How Clearcover Rates Car Insurance in Texas
Clearcover's filed Texas rate manual (SERFF CLEA-134747274, effective February 16, 2026) prices the same driver through a chain of filed factors, and three are unusually easy to act on. Paying in full files a 0.9373 factor versus 1.0000 on installments, and binding the policy about a week early pushes that to 0.8623. A credit-based insurance score moves the rate across 50 filed levels, from a 1.0000 reference down to 0.4344 at the top tier. Adding a second driver files 1.1335, about 13 percent more. This page reads that Texas filing factor by factor.
Clearcover (NAIC 16524) is a digital-first insurer whose Texas auto rates sit in a filed, state-approved manual built around a handful of unusually controllable levers — how you pay, when you bind the policy, your credit, and your household. Every state Clearcover writes is a separate filing, so these Texas numbers apply to Texas alone. This page walks the Texas manual factor by factor, each figure hand-transcribed and cited to the filing, and links to our main Clearcover page for how Texas compares with its other states.
How we read Clearcover's Texas filing
Every figure here comes from a single primary source: Clearcover's Texas rate manual filed with the state as SERFF CLEA-134747274 (the Auto 2026 filing, effective for new business on February 16, 2026). We read the clean approved rate pages and hand-transcribed each value — our full approach is on the methodology page. The reason we work from the filing rather than an aggregator is that a Texas rate manual is a public, regulator-vetted document: Clearcover must justify these exact numbers to the Texas Department of Insurance before it can charge a premium, and every figure below keeps its SERFF number and effective date, so you can pull the same document and check it yourself.
Key data
What this means for you: the filed rates for this factor span 0.43× to 1.15× — the highest-rated profile pays roughly 2.6× what the lowest-rated pays for this one factor, before everything else on your policy.
| Factor | Filed value | Est. on $1,200 | Source |
|---|---|---|---|
| Billing factor — pay in full, bound 0-2 days before effective, established renewals (Clearcover, TX) (Discount · filed Rate/Rule · eff Feb 2026) | 0.9373× | ≈ $1,125 | Clearcover Insurance Company — TX PPA filing CLEA-134747274, eff. Feb 16, 2026 (Texas Department of Insurance via SERFF Filing Access) · Jun 2026Filed rate · SERFF #CLEA-134747274 · effective Feb 16, 2026 · reviewed by Jason Wootton, NPN 7694718 |
| Billing factor — installments, baseline (Clearcover, TX) (Discount · filed Rate/Rule · eff Feb 2026) | 1.0000× | ≈ $1,200 | Clearcover Insurance Company — TX PPA filing CLEA-134747274, eff. Feb 16, 2026 (Texas Department of Insurance via SERFF Filing Access) · Jun 2026Filed rate · SERFF #CLEA-134747274 · effective Feb 16, 2026 · reviewed by Jason Wootton, NPN 7694718 |
| Billing factor — pay in full, bound 7+ days before effective, first term (max discount) (Clearcover, TX) (Discount · filed Rate/Rule · eff Feb 2026) | 0.8623× | ≈ $1,035 | Clearcover Insurance Company — TX PPA filing CLEA-134747274, eff. Feb 16, 2026 (Texas Department of Insurance via SERFF Filing Access) · Jun 2026Filed rate · SERFF #CLEA-134747274 · effective Feb 16, 2026 · reviewed by Jason Wootton, NPN 7694718 |
| Insurance-score factor — reference tier, Level 1 baseline (Clearcover, TX) (Factor · filed Rate/Rule · eff Feb 2026) | 1.0000× | ≈ $1,200 | Clearcover Insurance Company — TX PPA filing CLEA-134747274, eff. Feb 16, 2026 (Texas Department of Insurance via SERFF Filing Access) · Jun 2026Filed rate · SERFF #CLEA-134747274 · effective Feb 16, 2026 · reviewed by Jason Wootton, NPN 7694718 |
| Insurance-score factor — Level 40, continuous (Clearcover, TX) (Factor · filed Rate/Rule · eff Feb 2026) | 0.5150× | ≈ $618 | Clearcover Insurance Company — TX PPA filing CLEA-134747274, eff. Feb 16, 2026 (Texas Department of Insurance via SERFF Filing Access) · Jun 2026Filed rate · SERFF #CLEA-134747274 · effective Feb 16, 2026 · reviewed by Jason Wootton, NPN 7694718 |
| Insurance-score factor — top-discount tier, Level 50 continuous (Clearcover, TX) (Factor · filed Rate/Rule · eff Feb 2026) | 0.4344× | ≈ $521 | Clearcover Insurance Company — TX PPA filing CLEA-134747274, eff. Feb 16, 2026 (Texas Department of Insurance via SERFF Filing Access) · Jun 2026Filed rate · SERFF #CLEA-134747274 · effective Feb 16, 2026 · reviewed by Jason Wootton, NPN 7694718 |
| Household factor — married female, 1 driver, baseline (Clearcover, TX) (Discount · filed Rate/Rule · eff Feb 2026) | 1.0000× | ≈ $1,200 | Clearcover Insurance Company — TX PPA filing CLEA-134747274, eff. Feb 16, 2026 (Texas Department of Insurance via SERFF Filing Access) · Jun 2026Filed rate · SERFF #CLEA-134747274 · effective Feb 16, 2026 · reviewed by Jason Wootton, NPN 7694718 |
| Household factor — married female, adding a 2nd driver (Clearcover, TX) (Discount · filed Rate/Rule · eff Feb 2026) | 1.1335× | ≈ $1,360 | Clearcover Insurance Company — TX PPA filing CLEA-134747274, eff. Feb 16, 2026 (Texas Department of Insurance via SERFF Filing Access) · Jun 2026Filed rate · SERFF #CLEA-134747274 · effective Feb 16, 2026 · reviewed by Jason Wootton, NPN 7694718 |
| Household factor — married female, 3 drivers on policy (Clearcover, TX) (Discount · filed Rate/Rule · eff Feb 2026) | 1.1487× | ≈ $1,378 | Clearcover Insurance Company — TX PPA filing CLEA-134747274, eff. Feb 16, 2026 (Texas Department of Insurance via SERFF Filing Access) · Jun 2026Filed rate · SERFF #CLEA-134747274 · effective Feb 16, 2026 · reviewed by Jason Wootton, NPN 7694718 |
Illustrative only — each filed factor applied to a $1,200 baseline premium (the 1.00 reference), not a quote. Your actual premium depends on the insurer's base rate and your full profile.
Paying in full — and a few days early — is a real filed discount in Texas
The most actionable lever in Clearcover's Texas filing is how you pay. Its Billing Discount table prices the payment method directly: paying the policy in full files a 0.9373 factor against a 1.0000 baseline for installments — about a 6 percent reduction on that step of the rate, for nothing more than paying up front. The same table adds a second dimension most drivers never think about: how many days before the policy's effective date you lock it in. Bind the same day and there is no timing credit; bind it about a week or more ahead and, combined with paying in full, the filed factor reaches its best value of 0.8623. Both are filed, both are yours to choose, and neither depends on your record or your car — which makes them the cheapest levers a Texas shopper can actually pull.
Credit-based insurance score: a 50-level curve
The factor with the widest range in Clearcover's Texas filing is its Financial Responsibility Discount — a credit-based insurance score. The filing lays it out as 50 levels, from a Level 1 reference of 1.0000 down through Level 40 at 0.5150 to the top tier, Level 50 at 0.4344 — meaning the strongest score files roughly 57 percent below the reference on that part of the rate. A credit-based insurance score is derived from elements of your credit history the industry has found correlate with the likelihood and size of future claims; the Federal Trade Commission, in its report to Congress, found these scores are predictive of claims risk and widely used in auto pricing, while noting the significant debate over their fairness.
Texas permits credit-based insurance scoring within regulated limits, and it is not fixed — it improves as you pay on time and reduce balances, so it is a lever you can move over months.
Adding a driver to a Texas policy
The third lever is who else is on the policy. Clearcover's Texas Household Composite Factor is indexed by marital status, gender, the number of drivers, non-named household members, and vehicles; reading the bodily-injury column, a one-driver household files a 1.0000 baseline, adding a second driver files 1.1335 — about a 13 percent increase — and a third driver files 1.1487. Notably, the add-a-second-driver factor of 1.1335 is identical to the value Clearcover files in Arizona, one of the few places its filed structure is consistent across states. Unlike paying in full, this lever is not really a choice — you insure the drivers in your household — but it is worth knowing that the biggest step is adding the second driver, and that who you add (above all their age and record) moves the rest of the rate far more than the household factor itself.
What Texas's coverage rules mean for a Clearcover quote
Those filed factors attach to the coverages Texas law makes you carry. Texas requires every driver to carry at least 30/60/25 liability — $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage — under the Motor Vehicle Safety Responsibility Act, and it is an at-fault (tort) state. That matters for reading this filing: bodily injury and property damage are mandatory in Texas, so the payment, credit, and household factors above apply to coverages every Texas policy must carry — there is no opting out of them. The Texas Department of Motor Vehicles ties proof of that coverage to your registration, so the filed rate you pay is for coverage the state is actively checking you carry.
How to read a filed 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 below 1.0000 lowers the price for that characteristic, and a factor above it raises the price. That is why Clearcover's Texas pay-in-full factor (0.9373) and strong-credit tiers (down to 0.4344) reduce their parts of the rate, while the add-a-driver factor (1.1335) increases its part. These factors 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 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 guarantees is transparency: because each link is filed and public, you can see exactly which characteristics Clearcover rewards and which it surcharges.
How Clearcover's Texas rating compares with its other states
Reading one state's filing is most useful in contrast with another. Against Arizona, two of Texas's levers line up almost exactly: the pay-in-full billing factor is 0.9373 in both states, and the add-a-second-driver household factor is 1.1335 in both — a rare case of Clearcover filing the same relativity across jurisdictions. The credit curves are close in shape too, though not identical: Texas bottoms out at 0.4344 at Level 50 while Arizona files 0.4163 at its top tier, so a top-credit driver earns a marginally deeper discount in Arizona. Against Georgia, the contrast is structural: Clearcover's Georgia filing leads with a distribution-channel offset that Texas does not foreground, which is exactly why a per-state page exists — a carrier's rating architecture, not just its numbers, is filed state by state. You can see the states side by side on our main Clearcover page.
Who Clearcover fits in Texas
Clearcover's filed Texas structure rewards drivers who can pay in full, plan a few days ahead, and carry a strong credit-based insurance score — the app-comfortable, financially-organized, continuous-coverage book a digital-first insurtech is built around. The single most valuable thing a Texas shopper can do is capture the levers that are actually in their control: pay in full if you can, quote a couple of weeks before your start date rather than on the last day, and keep your credit-based score improving. As with any carrier, the cheapest option depends on your full profile and the rest of the rating chain, and the National Association of Insurance Commissioners is blunt that comparing several carriers is the most reliable way to find a competitive price. Compare your real Texas rate before deciding, and see how Clearcover stacks up on our Fast Auto Score.
The limits of this filed data
Two boundaries are worth stating plainly about the Texas numbers here. The first is scope: these come from Clearcover's Auto 2026 Texas filing (effective February 16, 2026) and describe Texas alone — the billing, credit, and household levers above are set state by state, so a Clearcover driver in another state is rated from a different manual entirely. The second is what a factor is and is not: these are filed relativities, not a price. The pay-in-full or credit factor tells you how one slice of the rate moves, but your Texas premium is the base rate carried through territory, vehicle, record, limits, and deductible as well — so no single number here is your quote.
We transcribe rather than estimate, and when Clearcover refiles its Texas rates the only honest response is to read the new filing and update these figures, not to let a 2026 value quietly become folklore.
Frequently asked questions
Does Clearcover give a discount for paying in full in Texas?
Yes. Clearcover's filed Texas rate manual (SERFF CLEA-134747274) files a 0.9373 factor for paying in full versus 1.0000 on installments — about 6 percent off that step of the rate. If you also bind the policy about a week before it starts, the filed factor reaches its best value of 0.8623.
How much does credit affect a Clearcover rate in Texas?
A lot, over the full range. Clearcover's Texas Financial Responsibility Discount is a 50-level credit-based insurance score, from a 1.0000 reference at Level 1 down to 0.4344 at Level 50 — the strongest score files roughly 57 percent below the reference. Texas permits credit-based insurance scoring within regulated limits.
How much does adding a driver cost with Clearcover in Texas?
Clearcover's Texas Household Composite Factor files a 1.0000 baseline for a one-driver household and 1.1335 when a second driver is added — about 13 percent more on that step — rising to 1.1487 for a third driver. Who you add (their age and record) moves the rest of the rate far more than the household factor itself.
What car insurance does Texas require, and does Clearcover cover it?
Texas requires at least 30/60/25 liability: $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage, under the Motor Vehicle Safety Responsibility Act. Those coverages are mandatory, so Clearcover's filed Texas factors apply to coverage every Texas policy must carry.
Is Clearcover's Texas pricing the same as its Arizona pricing?
Partly. Two levers match exactly — the pay-in-full billing factor (0.9373) and the add-a-second-driver household factor (1.1335) are identical in both states. But the credit curve differs slightly: Texas bottoms out at 0.4344 at its top tier versus Arizona's 0.4163, so a top-credit driver earns a marginally deeper discount in Arizona.
Does shopping early actually lower a Clearcover rate in Texas?
In this filing, yes. The Billing Discount table prices how many days before the effective date you bind the policy. Same-day gives no timing credit; binding about a week or more ahead, combined with paying in full, reaches the best filed factor of 0.8623 — so planning a couple of weeks out is worth real money.
Are these Clearcover Texas numbers the actual price I will pay?
No. They are filed rating relativities (multipliers), not quotes. Your Texas premium is the base rate multiplied through the whole chain of factors — territory, vehicle, record, limits, and deductible — so the only way to know your price is to compare your own real quote.
Is Clearcover a real insurance company in Texas?
Yes. Clearcover Insurance Company is a licensed carrier (NAIC 16524) that files rates with the Texas Department of Insurance. This page is built entirely from its public Texas rate filing, SERFF tracking CLEA-134747274, the Auto 2026 filing effective February 16, 2026.
Sources cited
- Clearcover Insurance Company — TX PPA filing CLEA-134747274, eff. Feb 16, 2026 (Texas Department of Insurance via SERFF Filing Access) — captured Jun 2026
- Texas Department of Insurance — auto insurance — captured Jul 2026
- Insurance Information Institute (III) — what determines the price of auto insurance — captured Jul 2026
- National Association of Insurance Commissioners (NAIC) — auto insurance — captured Jul 2026
- Federal Trade Commission — credit-based insurance scores — captured Jul 2026
- Texas Transportation Code Ch. 601 (Motor Vehicle Safety Responsibility Act) — captured Jul 2026
- Texas Department of Motor Vehicles — insurance requirements — captured Jul 2026
How we research this
We transcribed these factors by hand from Clearcover's clean Texas rate pages (Billing Discount, Financial Responsibility Discount, and Household Composite Factor) in SERFF filing CLEA-134747274, and cite that filing on every figure. Each value was verbatim-verified against the source PDF, and one ambiguous redlined row was excluded rather than guessed. We do not estimate or compute premiums; factors shown are filed rating relativities, not quotes.
