Does Clearcover offer the coverage you’re looking for?
Clearcover is a technology-focused insurance underwriter that provides convenient, accessible car insurance aimed at digital consumers with a variety of policy needs. Founded in Chicago in 2016, Clearcover is currently available in 20 states and continues to grow across the U.S. Though it’s a relatively new brand, Clearcover car insurance is already one of our top picks for affordable auto insurance companies.
Affordable options: With an average annual cost of $1,119, Clearcover offers many affordable auto insurance policies.
Digital-first technology: Clearcover is a young, tech-savvy brand that’s intended to meet the auto insurance needs of digital natives. This means its website and app are well designed, easy to use, and offer many helpful features including a digital insurance ID card, an online claims system, and a system for scheduling repair appointments.
Great customer service: Clearcover offers both live chat and telephone options to reach its team of customer advocates. The Better Business Bureau gave Clearcover an A+ rating and many consumer reviews cite positive experiences and helpful customer service agents.
Not available in most U.S. states: Though Clearcover plans to expand further, it is currently only available in Alabama, Arizona, California, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Nebraska, Ohio, Oklahoma, Pennsylvania, Texas, Utah, Virginia, West Virginia, and Wisconsin.
Customer complaints: Of the nine customer complaints the National Association of Insurance Commissioners lists for Clearcover, four list policy cancellations as the cause of the complaint. NAIC’s complaint index indicates that Clearcover is the subject of 3.54 times more complaints than would be expected from its market share. Nine complaints are a small sample size to judge from, so take this information with a grain of salt.
To find a provider with a better NAIC rating, check out the best auto insurance providers.
Our AutoInsurance.com market analysis has found that the average annual cost for Clearcover auto insurance is $1,119.
When shopping for insurance, keep in mind that your personal rate will depend on factors like your driving record, age, address, and the type and age of car you drive. Your individual cost will also depend on the type of insurance you purchase, such as whether you stick to the legal minimum level of insurance your state requires or whether you purchase more thorough coverage.
Clearcover approaches discounts differently than many other companies, building them into its pricing so that customers don’t have to research and select discounts in order to save.1 While Clearcover does not provide specific discounts other than its military discount (see below), the company advertises savings based on the following factors:
Are you looking for a military discount? Clearcover offers a 15 percent discount to active duty military personnel in the following states:
In Louisiana, Clearcover offers a 25 percent discount to both active duty military personnel and to their children who are under the age of 25. This makes Clearcover one of our best sources of auto insurance for military and veterans.
As of October 2022, Clearcover provides auto insurance in the states listed below:
Clearcover’s website states that it is working to expand its auto insurance coverage into more states.
There are multiple ways to get in touch with Clearcover, which primarily offers digital options for customer service:
Clearcover offers a mobile app for convenient, on-the-go use by both iOS and Android users. The app is highly rated, with a 4.8 average score from more than 8,400 Apple App Store reviews and an average score of 4.6 from more than 3,300 Google Play Store reviews. Many reviews describe the app as intuitive and easy to use. Check out the list below for the services Clearcover’s mobile app offers:
Clearcover is a relatively new insurance company. It was founded in 2016 by entrepreneurs Kyle Nakatsuji and Derek Brigham, both of whom previously held leadership roles at American Family Insurance. The company’s headquarters are located in Chicago, Illinois, though many of its employees work remotely.
Clearcover is a tech-first company that uses artificial intelligence to maximize the efficiency of claims processing and pass those savings on to its customers. Its proprietary machine-learning technology is called ClearAI. It uses a driver’s policy history, along with information from the first notice of loss ( the document that starts the claim process), to reduce fraud and to resolve and pay claims quickly.4
Clearcover itself does not offer any forms of insurance aside from automobile insurance. However, Clearcover refers its customers who are looking for homeowners insurance to its partner, Hippo, a digital-first provider of homeowners insurance and smart home security systems. Hippo advertises an up to 25 percent discount for customers who buy a homeowners insurance policy through this partnership with Clearcover.5
Unlike many other insurance companies, which offer 12-month-long insurance contracts, Clearcover offers six-month policies, which the company says allow it to evaluate customer driving history more often. This also means that you’re not locked into a policy for a full year, so you may be able to decline to renew your policy rather than cancel it.
If you’re looking to cancel your policy, Clearcover offers two methods to contact its customer advocates to do so. You can either use the live chat function of the Clearcover mobile app or call 855-444-1875 during business hours.
Yes, Clearcover is good at paying claims. The company’s machine learning-powered digital claim filing system allows it to resolve and pay claims quickly.
No, Clearcover does not offer insurance in New York as of October 2022.
No, Clearcover will not immediately cancel your insurance if you miss a payment. If you miss a scheduled payment, Clearcover will mail you a letter and email you to let you know the upcoming deadline for when it will cancel your policy if you haven’t paid yet.
Coverage discounts. Clearcover Insurance Company. (2022).
Clearcover, Inc. Better Business Bureau. (2022).
Results by Complaint Index. National Complaint Index Report. (2022).
Clearcover Unveils Clear Claims™ — The Fastest Digital Auto Insurance Claims Process. Newswires. (2020, Oct 21).
Smart Coverage for Homeowners. Hippo Enterprises Inc. (2022).