Clearcover Auto Insurance Review 2022

Jun 2, 2022

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Our Take

The bottom line:

Clearcover offers a digital-first user experience in 20 states, but sells only auto policies.

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Clearcover Auto Insurance
Clearcover
NAIC complaints
No data
Ease of use
Average
Discounts
Very few discounts

Pros & Cons

Pros

  • User-friendly app.
  • Offers rideshare insurance.

Cons

  • Not available in all states.
  • Sells only auto insurance.

Full Review

Founded in 2016, Clearcover provides user-friendly online tools and boasts it can issue payment for eligible claims in seven minutes. Clearcover is strictly an auto insurance provider and does not offer home or renters insurance.

Drivers seeking an in-person experience should look elsewhere. Clearcover sells policies directly to consumers, on the phone and through its app.

Clearcover is best for drivers who:

  • Are looking for a digital-first auto insurance company.

  • Aren't interested in bundling insurance.

  • Appreciate a no-nonsense claims process with quick turnaround for payouts.

Clearcover auto insurance coverage

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy type; it's a combination of coverage types, like liability, collision and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:

Coverage type

What it pays for

Required?

Bodily injury and property damage liability

Costs for injuries, deaths or property damage from an accident you caused.

Typically required.

Uninsured or underinsured motorist coverage

Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all.

Often required.

Collision coverage

Repair expenses from traffic-related accidents, regardless of who's at fault.

A car loan or lease may require it.

Comprehensive coverage

Repair costs from events outside of your control, including weather events, hitting an animal while driving, theft and vandalism.

A car loan or lease may require it.

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 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.

Auto insurance discounts

Clearcover’s auto insurance discounts include:

  • Safe-driving discount.

  • Discount for paying in full upfront.

  • Paperless discount.

  • Discount if your car has safety features.

  • Military discount.

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Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

Complaints 

Clearcover had no complaints to state regulators for auto insurance, according to three years’ worth of data from the National Association of Insurance Commissioners. However, Fortegra, Clearcover’s insurance carrier partner in California, had far more than the expected number of complaints for auto insurance.

More about Clearcover 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, but its partner, Hippo, offers home and condo insurance.

Methodology

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. 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. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Frequently asked questions