Clearcover vs Metromile: Who has better car insurance?

Clearcover vs Metromile

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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 A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service. Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
States served
States served AZ, CA, IL, UT AZ, CA, IL, NJ, OR, PA, VA, WA
User satisfaction
User satisfaction 5 stars Not rated
JD Power ratings
JD Power ratings 5 stars 5 stars

COVERAGE

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

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount No Yes
Home owner discount
Home owner discount No No
Military discount
Military discount Yes No
Multi car discount
Multi car discount Yes Yes
Paid in full discount
Paid in full discount Depends on provider
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
Other discounts
Other discounts Seat belt use
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
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Geico
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Gabi
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Liberty Mutual
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Clearcover
Optional
No
AZ, CA, IL, UT
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.

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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