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Clearcover Auto Insurance Review 2024
Lead Writer | Auto insurance
Isabel is a lead writer at NerdWallet covering auto insurance. She's also got a knack for finding stories buried in data. Previously, Isabel worked as a personal finance writer for Morning Brew’s Money Scoop and as a markets reporter at Forbes, where she covered everything from fintech and crypto to billionaires and IPOs. Isabel earned her bachelor’s degrees in journalism and economics from Boston University, where she fostered a passion for throwing intimidating jargon out the window to make financial topics accessible to all. She is originally from Mexico City and is currently based in Brooklyn, New York.
Assigning Editor | Auto insurance, home insurance, other insurance
Lacie Glover spent more than five years covering health care costs and all types of insurance as a NerdWallet writer before becoming an assistant assigning editor in 2019 and later an assigning editor on the insurance team. As a writer, her work was featured in The Associated Press, The Motley Fool and U.S. News & World Report. Lacie is a NerdWallet authority on insurance products and loves data, analytics and solving SEO mysteries.
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. 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
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
NAIC complaintsRatings 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- User-friendly app.
- Offers rideshare insurance.
Cons
- Not available in all states.
- Sells only auto insurance.
Clearcover
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
NAIC complaintsRatings 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- User-friendly app.
- Offers rideshare insurance.
Cons
- 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
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
Current Product
NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. 5.0 /5 | NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. 4.5 /5 | |
Complaints to NAIC 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far more than expected | Complaints to NAIC 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Close to expected | Complaints to NAIC 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Close to expected |
Ease of use Ratings are determined by our editorial team. Our "ease of use" category looks at factors such as website transparency and how easy it is to file a claim. Average | Ease of use Ratings are determined by our editorial team. Our "ease of use" category looks at factors such as website transparency and how easy it is to file a claim. Above average | Ease of use Ratings are determined by our editorial team. Our "ease of use" category looks at factors such as website transparency and how easy it is to file a claim. Above average |
Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Very few discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts |
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, Clearcover's partner, Hippo, sells home and condo insurance.
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.
Clearcover lets you get a quote online or by phone at 855-444-1875.
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.
Yes, it does. However, rideshare coverage from Clearcover won’t protect you if you’re working for a delivery service like DoorDash.
Clearcover lets you get a quote online or by phone at 855-444-1875.
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.
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.
In this review . . .