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Clearcover vs Metromile: Who has better car insurance?

Clearcover vs Metromile

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?




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, GA, IL, IN, LA, MD, MO, NE, OH, OK, PA, TX, UT, VA & WI AZ, CA, IL, NJ, OR, PA, VA, WA


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
Payment schedule
Payment schedule 6 months


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 Yes
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
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

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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