Clearcover Auto Insurance Review 2023

Kayda Norman
By Kayda Norman 

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Our Take

The bottom line:

Clearcover offers a digital-first user experience in 19 states but sells only auto policies.

Clearcover Auto Insurance
NAIC complaints
Far more than expected
Ease of use
Below average
Very few discounts

Pros & Cons


  • User-friendly app.
  • Offers rideshare insurance.


  • 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. 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.

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.

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.

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.)

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.

🤓Nerdy Tip

First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.


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 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.


Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. 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.

Frequently asked questions