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Clearcover vs Geico: Who has better car insurance?

Clearcover vs Geico

Our top pick: Metromile

  • Score cheaper than average rates
  • Enjoy online tools and app for quotes, claims and policy management
  • Choose from basic coverage options for a smooth experience
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Low rates are the name of the game for these two cost-conscious companies. Both stick to online customer service, allowing them to keep rates low for customers. Clearcover stays unique in its no-frills coverage, speedy claims estimates and local service in a handful of states. Geico offers a truckload of discounts along with coverage extras as a nationwide provider.

Which discount provider offers the best coverage, value and customer service to meet your needs?




About the provider
About the brand Get instant online support and score a low rate thanks to online data that sets premiums automatically. Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.
States served
States served AZ, CA, GA, IL, IN, LA, MD, MO, NE, OH, OK, PA, TX, UT, VA & WI All 50 states


Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection No
Accident forgiveness
Accident forgiveness No Yes
Rideshare coverage
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance No Yes
Claims methods
Claims methods online
Payment schedule
Payment schedule 6 months
12 months
6 months


Anti-theft device discount
Anti theft device discount Yes Yes, up to 25%
Bundling discount
Bundling discount Yes Varies
Home owner discount
Home owner discount Yes No
Military discount
Military discount Yes Yes, up to 15%
Multi car discount
Multi car discount Yes Yes, up to 25%
Paid in full discount
Paid in full discount No Yes
Safety device discount
Safety device discount Yes Yes, up to 15%
Safe driver discount
Safe driver discount Yes Yes, Varies by state
Special employment discount
Special employment discount No Yes
Student discount
Student discount No Yes, up to 15%
Usage based discount
Usage based discount No No
Learn more
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Bottom line

Need low cost coverage with an experienced provider? Geico might be your best bet. On the other hand, Clearcover keeps rates low with minimal advertising, online-based service and standard coverage in a few states. Not ready to decide? Discover more providers who can fit your car insurance needs.

Compare alternatives to Clearcover and Geico

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

Compare up to 4 providers

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