How Clearcover Rates Auto Insurance

How we read Clearcover's filing

Everything on this page traces to one primary document: Clearcover's own Arizona personal-auto rate manual on file with the state, SERFF tracking CLEA-134142856, effective July 15, 2024. We pulled the clean, approved rate pages — not a tracked-changes draft — and transcribed each factor by hand rather than estimating a number or copying one from another comparison site. That distinction matters. A filed rate manual is the document a carrier must submit to and justify with the regulator before it can charge a single premium, so the figures here are what Clearcover actually filed, not a marketing summary or a national average. As the Insurance Information Institute explains, an auto premium is built from a base rate multiplied by a chain of filed factors for the driver, the vehicle, the coverage, and more; what reading the filing adds is the exact multipliers, which we quote in full below.

Because each figure keeps its carrier, state, SERFF number, and effective date, any reader can trace it straight back to the source.

Household makeup matters

Clearcover's filed household factor blends marital status, the number of drivers, and (where the state permits) gender. In Arizona a single-male, one-driver household carries a 0.9608 factor and a single-female one-driver household 1.0404; adding a second driver raises the factor to 1.1335 (about 13% more).

Why the channel you buy through is even allowed to change the price

A rating factor that depends on how you bought the policy can feel unfair, so it is worth being precise about what it is. Clearcover's channel offset reflects the carrier's acquisition cost for each channel — what it pays to obtain a customer through a lead vendor, a price-comparison site, or its own app — which is a real, filed cost difference, not a penalty aimed at any individual. Insurers must file these factors with the state and demonstrate they are not unfairly discriminatory before they can use them; in Arizona that oversight sits with the Department of Insurance and Financial Institutions, which reviews and approves the rate pages these numbers come from.

The practical takeaway for a shopper is simple and actionable: because the same risk can carry a different filed offset depending on the channel, it is worth getting Clearcover's price more than one way — through its app or direct site as well as any comparison tool — and comparing. The gap here (2.0441 on the lead channel versus 1.8044 direct) is roughly 13 percent on the bodily-injury portion for an identical driver, a difference created by nothing but how the policy was acquired.

Continuous coverage is the biggest lever you actually control

Of everything in Clearcover's filing, the factor a typical shopper can most directly influence is continuous coverage. The filed values are stark: a lapse of more than 30 days forfeits the discount entirely and pays the full 1.0000, while long, unbroken tenure reaches Clearcover's best band near 0.8493 — roughly a 15 percent swing on the affected portion of the rate for never letting coverage drop. Unlike your age or your vehicle's symbol, this is a factor you set by behavior: keeping a policy in force, setting a new policy to start the day the old one ends, and avoiding even a short gap when you switch carriers. A lapse also tends to compound, because it can push you into a higher-risk classification elsewhere in the rate on top of forfeiting the loyalty band.

If you take one action after reading this page, make it protecting your continuous coverage — it is the cheapest discount in the filing and the one most within your reach.

How Clearcover's rating varies by state (Arizona, Georgia, Illinois)

Because each state is its own filing, Clearcover's distribution-channel factors are not the same everywhere — and Georgia is a clean example. Where Arizona files a handful of channels, Clearcover's Georgia rate pages (edition 06/02/2025) file five, and the bodily-injury capped-offset factor runs from 1.4915 through an independent agency — Georgia's cheapest channel — up to 1.7749 through a price-comparison site, with direct (1.5677), national accounts (1.5344), and lead (1.7691) in between. Two things stand out against Arizona. First, the cheapest way to buy flips: Georgia rewards the independent-agency channel most, while Arizona's filing leans on its direct channel (1.8044) as the low end. Second, the overall magnitudes are lower in Georgia — even Georgia's priciest channel (1.7749) sits below Arizona's lead-channel offset of 2.0441.

The practical takeaway is the one the filings keep teaching: how and where you buy Clearcover changes the filed rate, and the best channel depends on your state — so it is worth getting the price more than one way and comparing your own real quote rather than assuming the app or a comparison site is cheapest. For Georgia specifically, our dedicated Clearcover Georgia rating page reads the full five-channel capped-offset table coverage by coverage (bodily injury, property damage, and collision). Illinois is a telling contrast: Clearcover's Illinois rate pages (edition 11/01/2024) file a single rating offset by coverage — a bodily-injury offset of 2.3387, property damage 2.7760, collision 2.2504 — and do not split that offset by distribution channel at all, so the channel spread that drives Arizona and Georgia pricing simply does not exist in Illinois.

That is the deeper lesson: a carrier's rating architecture itself is filed state by state, so "how Clearcover rates" is really "how Clearcover rates in your state" — the only reliable answer is your own quote where you live.

How to read a filed rating factor

Every number on this page is a multiplier, and the trick to reading them is the number 1.0000. A factor of exactly 1.0000 is neutral: it leaves that part of the base rate unchanged. A factor above 1.0000 raises the price for that characteristic, and a factor below it lowers the price. So when Clearcover's filing shows a 0.9608 household factor for a single-male one-driver household, that driver's household characteristic shaves a few percent off; a 1.1335 factor for adding a second driver adds about 13 percent. These factors do not act alone — a premium is the base rate multiplied through the whole chain of them — so a single factor below 1.0000 does not guarantee a cheap policy, and one above it does not doom you to an expensive one.

What the chain does guarantee is transparency: because each link is filed and public, you can see exactly which characteristics Clearcover rewards and which it surcharges, rather than guessing from a single quoted price. That is the entire point of reading the filing instead of a marketing page.

The limits of this filed data

Two honest caveats belong on every carrier page. First, these are Clearcover's Arizona filed values. The company writes across a multi-state footprint and files different numbers in each state, so the factors here should never be read as national — a Clearcover driver in another state is rated from that state's filing. Second, these are filed rating relativities, not quotes: they show how a factor moves a price up or down relative to the base, but your actual premium depends on the base rates in effect and every other factor in your profile. We do not estimate premiums or dress a single filed factor up as a market average. Because personal-auto rate manuals are public records governed by Arizona Revised Statutes Title 20, anyone can verify a figure by reading the filing, which is exactly what we did.

When Clearcover amends this filing, the honest move is to re-transcribe the new numbers, not to let a stale factor drift into folklore.