How Clearcover Rates Car Insurance in Georgia

Clearcover (NAIC 16524) is a digital-first insurer, and its Georgia auto rates live in a filed, regulator-approved manual whose defining feature is a distribution-channel offset that prices the same driver differently by how the policy is bought. Because Clearcover files a separate rate manual in every state, its Georgia numbers are its own; "how Clearcover rates" always means "in your state." This page reads the Georgia filing coverage by coverage, every figure hand-transcribed and cited, and it pairs with our main Clearcover page for the cross-state picture.

In Georgia, how you buy the policy changes the price of every coverage

The heart of Clearcover's Georgia filing is a table it calls the Capped Offset Factor, and its defining feature is that the offset is split by distribution channel — the path through which the policy was sold. Georgia files five channels: independent agency, national accounts, direct, lead, and price-comparison. For bodily-injury coverage the filed offset runs from 1.4915 through an independent agency (Georgia's cheapest channel) up through 1.5344 national accounts and 1.5677 direct, to 1.7691 on the lead channel and 1.7749 on price-comparison at the top. That is a spread of about 19 percent on the bodily-injury portion of the rate for the very same driver — created by nothing but how the policy was acquired.

What Georgia's coverage rules mean for a Clearcover quote

Those filed factors attach to the coverages Georgia law actually makes you buy. Georgia requires every registered vehicle to carry at least 25/50/25 liability — $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage — and it is an at-fault (tort) state with no Personal Injury Protection requirement (the full rules are in our Georgia car-insurance requirements guide). That matters for reading this filing in two ways. First, bodily injury and property damage are mandatory in Georgia, so Clearcover's BI and PD channel offsets touch every Georgia policy — there is no opting out of the coverages those factors price. Second, collision is optional under state law (though a lender will require it on a financed car), so the collision offsets above apply only if you carry that coverage.

Georgia law also requires insurers to offer uninsured/underinsured motorist coverage unless you reject it in writing under O.C.G.A. § 33-7-11; Clearcover's filing carries its own channel offsets for those coverages too, on the same pattern shown here.

How to read a filed capped-offset factor

Every number on this page is a multiplier, and the key to reading it 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. That is why Clearcover's Georgia bodily-injury offsets (all between about 1.49 and 1.78) increase the base bodily-injury rate, while its collision offsets (all between about 0.67 and 0.81) reduce the base collision rate — the base rates the offsets apply to are different for each coverage, so you cannot compare a BI factor against a collision factor directly.

These factors also do not act alone: a premium is the base rate multiplied through the whole chain of them (driver, vehicle, territory, coverage, and more), so a single offset below 1.0000 does not guarantee a cheap policy and one above it does not doom you to an expensive one. What the chain guarantees 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.

Credit and financial responsibility in Clearcover's Georgia rating

Beyond channel, Clearcover's filed structure includes a financial-responsibility component used in tier placement where state law permits. Most auto insurers rely on a credit-based insurance score — a score derived from elements of your credit history that the industry has found correlate with the likelihood and size of future claims. The Federal Trade Commission, in its report to Congress, found that credit-based insurance scores are predictive of claims risk and are used widely in auto pricing, while noting the significant public debate over their fairness. Georgia permits credit-based insurance scoring within regulated limits, so for a Georgia driver this factor can move the price meaningfully in either direction — one more reason to compare your own real quote rather than assume a headline rate applies to you.

The limits of this filed data

Two honest caveats belong on every carrier page. First, these are Clearcover's Georgia filed values, edition June 2, 2025 — the company files different numbers in every state, so nothing here should be read as national, and a Clearcover driver outside Georgia is rated from that state's own 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 Georgia base rates in effect and every other factor in your profile — territory, vehicle, driving record, coverage limits, and deductible. We do not estimate premiums or dress a single filed factor up as a market average. Because personal-auto rate manuals are public records, anyone can verify a figure by reading the filing, which is exactly what we did.

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