Clearcover Auto Insurance Review 2024
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Clearcover
Discounts
Ease of use
NAIC complaints
Clearcover
Discounts
Ease of use
NAIC complaints
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
Compare to other insurers
Current Product
|  |  |
|---|---|---|
NerdWallet rating 4.5 /5 | NerdWallet rating 4.5 /5 | |
Complaints to NAIC Far more than expected | Complaints to NAIC Close to expected | Complaints to NAIC Close to expected |
Ease of use Average | Ease of use Above average | Ease of use Above average |
Discounts Average set of discounts | Discounts Great set of discounts | Discounts 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, 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.
Buying multiple policies from Clearcover and its partners.
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.
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.
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