Clearcover Auto Insurance Review 2025
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Clearcover
Clearcover offers a digital-first user experience in 19 states, but sells only auto policies.- User-friendly app.
- Offers rideshare insurance.
- Not available in all states.
- Sells only auto insurance.
NerdWallet was not able to rate Clearcover for overall performance because there is no financial strength rating information available for the company. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
Founded in 2016, Clearcover provides user-friendly online tools and boasts it can issue payment for eligible claims in seven minutes. The company is strictly an auto insurance provider and does not offer home or renters insurance.
Drivers seeking an in-person experience should look elsewhere. Clearcover only sells policies to consumers by phone and website.
» MORE: The best car insurance companies
Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.
- How we review auto insurance reviews
In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:
Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.
Compare to other insurers
Not Rated |  NerdWallet rating 4.5/5 |  NerdWallet rating 4.5/5 |
Discounts Average set of discounts | Discounts Great set of discounts | Discounts Great set of discounts |
Ease of use Average | Ease of use Above average | Ease of use Above average |
NAIC complaints Far more than expected | NAIC complaints Close to expected | NAIC complaints Close to expected |
Bottom line Clearcover offers a digital-first user experience in 19 states, but sells only auto policies. | Bottom line With nationwide availability and a raft of discounts, GEICO is a popular, and often affordable, choice for car insurance. | Bottom line With plenty of coverage options and discounts, this auto insurance giant is worth a look. |
Where Clearcover stands out
Digital-first experience. Users who prefer doing everything online will love Clearcover's highly-rated app and seamless website experience.
Quick claims process. Clearcover makes the claims process easy, letting customers submit and track claims through its app. Generally, most claims are paid out in less than a week. Clearcover's quickest payout was made in seven minutes, according to their website.
Where Clearcover falls short
Limited state availability. Clearcover is offered in only 19 states nationwide.
No opportunities to bundle insurance. Product offerings are limited to auto insurance, so if you're looking to get all your insurance products from one place, you may want to look at other companies. However, you can buy home, condo and renters insurance from other insurers through Clearcover's independent agents and may earn a bundling discount.
Clearcover auto insurance coverage
When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
Clearcover offers typical car insurance coverage options such as liability, comprehensive and collision insurance. It also sells:
Alternate transportation coverage, which pays for you to get around by rideshare, public transit or a rental car if your vehicle is unusable.
Rideshare insurance, which covers you while driving for Uber and Lyft, provides coverage when your app is on but you haven’t agreed yet to pick up a passenger. (Clearcover’s rideshare coverage doesn’t protect you if you are working for a delivery service like GrubHub or DoorDash.)
» MORE: Compare car insurance rates
Auto insurance discounts
You may be able to save on auto insurance by:
Meeting Clearcover’s standards for being a safe driver.
Paying your policy in full upfront.
Receiving all documents electronically.
Owning a car with safety features.
Being a member of the military.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.
Complaints
Clearcover had far more than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
More about Clearcover auto insurance
Website: Customers can learn insurance basics through the company’s blog and get a quote on its website, but most other tasks are done through Clearcover’s app.
App: Clearcover has put most of its digital efforts toward its app, which has high ratings from users. You can pay your bill, file and track claims and view your policy and ID card through the app. You can also talk to customer service directly through the app if you have questions or want to update your policy.
Other insurance from Clearcover
Clearcover sells only auto policies directly. It also sells, home, renters and condo insurance through third-parties.
Frequently asked questions
How do I get a quote from Clearcover?
How do I get a quote from Clearcover?
Clearcover lets you get a quote online or by phone at 855-444-1875.
Does Clearcover offer policies nationwide?
Does Clearcover offer policies nationwide?
Currently, Clearcover sells auto insurance in 19 states:
Alabama.
Arizona.
Georgia.
Illinois.
Indiana.
Kentucky.
Louisiana.
Maryland.
Mississippi.
Missouri.
Nebraska.
Ohio.
Oklahoma.
Pennsylvania.
Texas.
Utah.
Virginia.
West Virginia.
Wisconsin.
Does Clearcover offer rideshare insurance?
Does Clearcover offer rideshare insurance?
Yes, it does. However, rideshare coverage from Clearcover won’t protect you if you’re working for a delivery service like DoorDash.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
2025 auto insurance survey methodology
The opt-in survey of 7,503 U.S. adults ages 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2024. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy within the past 12 months, with at least some changes to the original policy. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.
Only brands with 100 or more qualifying respondents are reported. Of those respondents: 300 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were Geico customers, 100 were USAA customers, 157 were AAA customers, 100 were Liberty Mutual customers, 100 were American Family customers, 100 were Farmers customers, 100 were Travelers customers and 101 were Nationwide customers.
