Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

By Ross Martin

Updated January 1, 2022

Edited By Renata Balasco

Clearcover insurance review

Table of contents:

Clearcover car insurance review
Where is Clearcover available?
Clearcover car insurance coverages
Clearcover discounts
Clearcover mobile app
Is Clearcover right for you?

3.5 Rating from The Zebra

Clearcover is a car insurance company founded in 2016. Describing itself as the “digital insurance for the digital consumer,” the company places a focus on technology and customer service. Through its mobile app, Clearcover promises an easy claims process and affordable auto insurance rates. The company does not employ conventional insurance agents, so those wanting a personalized agent experience may not like Clearcover. Drivers without a smartphone are not encouraged to seek coverage from this company. Clearcover is a relative newcomer in the insurance space, though the company has recently expanded its presence to ten U.S. states.

Read our Clearcover insurance review to see if it's the right car insurance company for you.

Get a Quote

J.D. Power Rating — N/A: J.D. Power has not yet rated this company.
Financial strength — N/A: AM Best has not yet rated this company.
NAIC Rating — Fewer complaints than average: The National Association of Insurance Commissioners (NAIC) registered fewer complaints than average for Clearcover.

Get a Quote

Where is Clearcover available?

Clearcover is in the process of expanding its footprint. The company sells policies in the following states:

Insurance company	Available states
Clearcover	AZ, CA, IL, LA, NE, OH, OK, TX, UT, WI

Car insurance options through Clearcover

Clearcover provides all the auto insurance options that you would expect from most major carriers, including bodily injury and property damage liability, medical payments, comprehensive and collision coverage, uninsured motorist coverage (property damage) and uninsured/underinsured motorist coverage (bodily injury). Clearcover doesn’t have an extensive list of additional coverages (otherwise known as endorsements) but many drivers may consider the following coverage add-ons helpful.

Rideshare coverage: Clearcover provides rideshare coverage for Uber or Lyft drivers. However, this endorsement does not extend to delivery driver services such as Uber Eats, Doordash, or Grubhub.
Alternate transportation coverage: Though many other carriers offer similar coverage in the form of rental car reimbursement, Clearcover has expanded this coverage somewhat, providing a daily allowance for transportation costs after a covered claim that renders your vehicle undrivable. This covers costs associated with public transportation, ridesharing services, or rental cars.
Roadside assistance: Roadside assistance can help if you find yourself stranded due to a mechanical or electrical malfunction. This typically covers towing, flat tires, dead batteries and similar circumstances.

Clearcover car insurance discounts

Clearcover doesn’t list very many car insurance discounts on its website. The company claims to offer drivers the lowest possible rate at the onset of each policy. Clearcover advises that drivers can maintain lower rates by keeping a safe driving record, paying your insurance premium upfront, and investing in certain vehicle safety features.

The one discount Clearcover doescall out is its active military personnel discount, offering service members a 15% discount. Active duty armed service members in Louisiana receive 25% off on their insurance premiums.

Clearcover mobile app

As a technology-driven insurance company, Clearcover's website and mobile app are rich with features and relatively easy to use. The app boasts high reviews from both the Apple Store and Google Play, both at 4.7 out of 5 stars, as of September 2020. Clearcover also touts an award for outstanding achievement in mobile development.

The Clearcover mobile app allows policyholders to easily store their ID cards, review their coverage options, and even file claims. The claims process is done primarily through the mobile app. After submitting your claim, policyholders are contacted by a claims adjuster to continue with the next steps. The company says most claims are settled within one week.

The app also provides easy access to Clearcover’s roadside assistance progress, Honk. With online bill-pay and a number of other features, the Clearcover app offers a relatively easy way of handling your car insurance.

Additional lines of insurance

Clearcover does not offer homeowners or renters insurance. However, Clearcover partners with Hippo, another technology-focused insurance company, that can provide homeowners insurance.

Is Clearcover insurance right for you?

Clearcover is a growing company and a promising new player in the insurance space. Some may find the company’s young age worrisome, as Clearcover does not yet have outside ratings from trusted sources such as J.D. Power or AM Best. However, Clearcover's customer reviews are largely favorable and its rating from the Better Business Bureau is high.

If you are currently concerned about your insurance rates, the best thing to do is to compare quotes. The Zebra can help you find a new car insurance policy with better coverage and competitive rates. Enter your ZIP below to compare auto insurance quotes side-by-side from the nation’s top carriers.

Weigh your options and get the best value from your next insurance policy.

Car
insurance

Home
insurance

ZIP code

! This ZIP code is invalid.

No junk mail. No spam calls. Free quotes.

Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple Dollar, The Balance, Car and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance.

Learn more about Ross Martin

The Zebra
Most Popular Insurance Companies
Clearcover Insurance Review

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.

Clearcover Insurance Review