Clearcover
- User-friendly app.
- Offers rideshare insurance.
- Not available in all states.
- Sells only auto insurance.
NerdWallet's take on Clearcover auto insurance
Clearcover earned 3.4 stars out of 5 for delivering a great digital experience across its website and mobile app, but the company lost points due to a high rate of customer complaints.
Best for: Drivers who appreciate a mobile-focused insurer.
Not ideal for: Drivers who want a variety of coverage options.
Where Clearcover auto insurance stands out
Digital experience. Clearcover’s website is easy to navigate and includes a dedicated blog to teach drivers about insurance. The company’s app has excellent customer review scores, as well, which suggests it is equally beneficial for drivers.
Discount options. Clearcover offers a great variety of discounts, and even separates the “safety features” topic into separate discounts for different items such as seat belts and anti-lock brakes.
Where Clearcover auto insurance falls short
Limited coverage options. Every driver has different insurance needs, which is why we pay attention to the coverage options that insurers offer. Clearcover only has two coverage add-ons available, which might not be enough for a lot of drivers.
See what you could save on car insurance
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Clearcover auto insurance discounts
Depending on your state, you may be able to save on auto insurance by:
Meeting Clearcover’s standards for being a safe driver.
Insuring more than one vehicle on your policy.
Insuring a new vehicle that is fewer than three years old.
Paying your policy in full upfront.
Getting a policy with a future effective date. (This may require additional eligibility requirements.)
Receiving all documents electronically.
Maintaining continuous insurance without any gaps in coverage.
Completing a defensive driving course and meeting your state’s eligibility requirements.
Owning a car with safety features. (Clearcover lists different discounts for seat belts, passive restraints, anti-lock brakes and also anti-theft features.)
Having a certain amount of driving experience.
Being placed with Clearcover from a qualifying partner organization.
Maintaining a certain level of financial responsibility.
Being a member or a veteran of the military, with an additional discount if you are deployed.
We understand that some drivers prioritize finding the cheapest auto insurance rates possible. You can see average minimum car insurance rates by company and state in our cheap car insurance article.
Clearcover auto insurance coverage
Clearcover's full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
Clearcover also offers some types of optional coverage, such as:
Alternate transportation coverage, or rental car reimbursement, pays your transportation expenses while your vehicle is in the shop as part of a covered claim.
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.)
When shopping for car insurance, it's important to understand what coverage you want and what you’re required to buy. Most states require a minimum amount of car insurance to drive a vehicle, but if you can afford it, we recommend getting full coverage insurance instead. Only carrying the minimum amount may not be enough to cover everything if you cause an accident.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Is Clearcover a good insurance company?
State regulators received far more than the expected number of customer complaints about Clearcover auto insurance, relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. This score is generally a good indication of how well a company meets the needs of drivers.
More information about Clearcover auto insurance
Customer service: Call 855-444-1875 or use the website’s chat feature.
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.
Mobile app: Clearcover’s mobile app 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.
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM 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 the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
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 in every state?
Does Clearcover offer policies in every state?
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 2022-2024. 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 2022 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.
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.
