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Clearcover vs Metromile: Who has better car insurance?

Clearcover vs Metromile

Updated

Fact checked

These two new companies have a modern approach to car insurance, but that plays out in very different ways. Metromile is known for its affordable coverage for low mileage and safe drivers, letting you pay only for the miles you drive. It provides all the necessities plus a few add-ons, and it tosses an easy claims process into the mix. Clearcover also stands for low cost insurance because of its minimal way of doing business online. This company sticks to basic coverage and doesn’t track your mileage like Metromile.

Between these two affordable options, which one has the right coverage, discounts, and benefits for you?

 

Clearcover

Metromile

OVERVIEW

OVERVIEW
About the provider
About the brand Get instant online support and score a low rate thanks to online data that sets premiums automatically. Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
States served
States served AZ, CA, IL, LA, OH, TX, UT and WI AZ, CA, IL, NJ, OR, PA, VA, WA

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection No Yes
Accident forgiveness
Accident forgiveness No No
Rideshare coverage
Rideshare coverage Yes No (they used to offer the service but they are no longer accepting new applications)
SR-22 insurance
SR-22 insurance No
Yes
Claims methods
Claims methods online
email
phone
Online
Phone
Payment schedule
Payment schedule 6 months
Monthly
monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes No
Military discount
Military discount Yes No
Multi car discount
Multi car discount Yes Yes
Paid in full discount
Paid in full discount No Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes No
Special employment discount
Special employment discount No No
Student discount
Student discount No No
Usage based discount
Usage based discount No Yes
Learn more
Learn more

Compare alternatives to Clearcover vs Metromile

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
Assurance
Optional
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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Compare up to 4 providers

Bottom line

Don’t drive much or want to get steep discounts for safe driving? Metromile might be for you. Yet Clearcover offers affordable car insurance for drivers with standard mileage and basic coverage needs.

Curious about other options? Compare multiple providers to find the best one for you.

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