Clearcover Auto Insurance Review for 2024
You can buy Clearcover auto insurance in 15 states throughout the country. Kyle Nakatsuji founded Clearcover in 2016 to provide simple, affordable coverage and an easy-to-follow claims process with the fastest payouts in the business. The Better Business Bureau has accredited Clearcover with an A, and the company has a complaint index of zero from the National Association of Insurance Commissioners.
- You can buy standard auto insurance and a few add-ons from Clearcover insurance in 15 states across the country
- Kyle Nakatsuji and Derek Brigham founded Clearcover in 2016 to offer simple coverage options and the fastest claims payouts in the insurance industry, with an average of a one-week turnaround
- Clearcover consistently receives positive customer service reviews, and the Better Business Bureau accredits the company with an A
Shopping for auto insurance can be overwhelming, but we’ve got what you need to make an informed decision. With helpful information like this Clearcover auto insurance review, you’ll get the basics so you can decide what’s suitable for your needs.
Who owns Clearcover insurance, and how long has the company been in business? How do you contact Clearcover? What are average Clearcover auto insurance rates? We’ve got that and other information. Spend a few minutes reading this Clearcover auto insurance review to find out where you can buy coverage and more.
When you shop for insurance, whether it’s Clearcover auto insurance or some other insurance company, saving on your rates is important. You can save by using your ZIP code in our rate comparison tool to get free quotes from companies in your area.
What are average Clearcover auto insurance rates?
Since Clearcover doesn’t publish its rates, we don’t have average auto insurance rates for the company. However, one of Clearcover’s primary goals is to offer rates that are as affordable as possible.
So what makes affordable Clearcover auto insurance possible? One of the ways the company does this is by preemptively folding most of the standard discounts into your rates. In addition, as a small company, it may have the freedom to offer lower Clearcover auto insurance quotes.
What do we mean by this? Essentially, as a small company, Clearcover can better tailor rates to individual drivers and be choosier about which drivers it insures. This means companies like Clearcover can avoid insuring high-risk drivers, thereby keeping overall base rates lower.
Where can you get Clearcover auto insurance?
You can buy Clearcover auto insurance in a few different states across the country. Take a look at this table to see if it’s available in your state.
States Where You Can Buy Clearcover Insurance
| State | Clearcover Is Available |
|---|---|
| Alaska | No |
| Alabama | No |
| Arkansas | No |
| Arizona | Yes |
| California | Yes |
| Colorado | No |
| Connecticut | No |
| District of Columbia | No |
| Delaware | No |
| Florida | No |
| Georgia | Yes |
| Hawaii | No |
| Iowa | No |
| Idaho | No |
| Illinois | Yes |
| Indiana | Yes |
| Kansas | No |
| Kentucky | No |
| Louisiana | Yes |
| Maine | No |
| Maryland | Yes |
| Massachusetts | No |
| Michigan | No |
| Minnesota | No |
| Missouri | Yes |
| Mississippi | No |
| Montana | No |
| North Carolina | No |
| North Dakota | No |
| Nebraska | Yes |
| New Hampshire | No |
| New Jersey | No |
| New Mexico | No |
| Nevada | No |
| New York | No |
| Ohio | Yes |
| Oklahoma | Yes |
| Oregon | No |
| Pennsylvania | Yes |
| Rhode Island | No |
| South Carolina | No |
| South Dakota | No |
| Tennessee | No |
| Texas | Yes |
| Utah | Yes |
| Virginia | No |
| Vermont | No |
| Washington | No |
| West Virginia | No |
| Wisconsin | Yes |
| Wyoming | No |
Don’t worry if you don’t live in one of the 15 states where Clearcover is currently sold. The company is planning to expand and eventually intends to sell coverage in every state in the country.
What are the company ratings for Clearcover?
It makes sense to look at availability, coverage options, and rates as you shop for auto insurance. All of this information will play into your decision-making process. There are a couple of other data points to consider, which can be a bit more complex to find and understand, so we’ve done it for you.
Customer service ratings and financial stability can help you differentiate between auto insurance companies better.
The Better Business Bureau (BBB) is one source we often use to assess customer service for auto insurance companies. We pulled the following information from the BBB regarding Clearcover:
- Accredited with an A rating
- Received 3.9 out of five stars for customer reviews
Another source for customer service data is the National Association of Insurance Commissioners (NAIC). The NAIC collects complaint data across the insurance industry and uses it to calculate a complaint index. You can use this complaint index to evaluate whether a company receives greater or fewer complaints than average.
Take a look at this table for the complaint data on Clearcover auto insurance.
NAIC Clearcover Auto Insurance Complaint Data
| Complaint Data | 2018 | 2019 | 2020 |
|---|---|---|---|
| Total Number of Complaints | 0.00% | 0.00% | 0.00% |
| Annual Premiums | $0 | $2,161,616 | $21,178,748 |
| Share of Premiums U.S. Market | 0.001% | 0.001% | 0.001% |
| Share of Complaints in the U.S. Market | 0.00% | 0.00% | 0.00% |
| Complaint Index | 0 | 0 | 0 |
Even with the company’s growth over the past three years (indicated by the increase in annual premiums), the complaint data for Clearcover has remained at zero, which is a positive sign for the company’s customer service.
A.M. Best is a financial rating company that specializes in the insurance industry. The company collects data to generate a rating score indicating whether an insurance company is likely to pay outstanding obligations. A.M. Best hasn’t yet provided a financial rating for Clearcover auto insurance.
What coverage options does Clearcover offer?
Clearcover focuses on basic coverage auto insurance options to keep offerings simple and reduce confusion. Auto insurance coverage options include:
- Liability coverage
- Uninsured/Underinsured motorist coverage
- Medical Payments (MedPay) coverage
- Collision coverage
- Comprehensive coverage
The company website offers a simple process for buying coverage, which we’ll talk about more in a later section. You’ll only be able to purchase six-month auto insurance policies from Clearcover because it enables the company to more regularly review driver history and keeps rates lower for all covered drivers.
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Does Clearcover auto insurance offer any add-ons?
There are a few extra add-ons you can get through Clearcover auto insurance. Read through the following few sections to learn more.
Roadside Assistance
You can buy roadside assistance as an add-on from Clearcover. It’s up to you whether or not you use the service Clearcover contracts with (Honk) or choose your own roadside assistance service.
With Honk, you’ll get coverage for a maximum of three incidents in a rolling six-month period. You can use the Clearcover app to call for assistance or dial the customer service helpline at 855-444-1875. If you’d prefer to use your own choice for roadside assistance, you’ll get up to $50 in reimbursement from Clearcover.
Alternate Transportation
Clearcover offers an alternate transportation add-on. This is often referred to as rental reimbursement, and it applies if you’re in an accident or your vehicle is damaged in another covered incident, and it’s in the shop for repairs. You can use the alternate transportation add-on to cover the cost of your preferred method of transportation (rental car, rideshare, etc.).
If you opt to purchase this add-on, you’ll receive $30 per day, with a maximum of $900 per incident.
Rideshare Endorsement
Rideshare driving is divided into three categories:
- Period 1 – You’re logged into the rideshare app but haven’t accepted any rides
- Period 2 – You’re logged into the rideshare app, you’ve accepted a ride, and you are driving to pick up the rider.
- Period 3 – You’re logged into the rideshare app, you’ve picked up the rider, and are driving them to their selected destination.
If you’re a rideshare driver, Clearcover offers a rideshare endorsement add-on for Period 1, but you won’t be able to get any add-ons from Clearcover for Periods 2 or 3. This is usually when the rideshare company’s coverage kicks in.
Are there any discounts or other perks available?
To offer the lowest rates possible, Clearcover incorporates most of the major discounts in your rates already. This means you most likely won’t get any additional discounts.
There are a couple of limited exceptions. Members of the military will qualify for a 15% discount. Residents of Louisiana in the military or have children at home who are under the age of 25 will receive a 25% discount.
How do you buy and manage a Clearcover auto insurance policy?
You can buy Clearcover auto insurance through the company website. If you’re not sure how much coverage you need, you can use the company’s “60-Second Coverage Wizard” to decide.
After you’ve settled on the appropriate level of coverage given your situation, driving habits, etc., you’ll have the option to click “Complete my Quote.” The next step is to provide the personal information Clearcover needs to generate your quote. This can include information like your age, what kind of vehicle you drive, and more.
Once you’ve received your quote, you can purchase coverage or take a little time to think about your options.
How do you file a claim with Clearcover?
Clearcover makes it easy to file a claim through the company app. If you need to file a claim, you’ll select the option to do so in the app and answer a couple of questions about the incident. Finally, you’ll take some photos of the accident through the app, which will be tied to your claim.
Clearcover offers the fastest claims process available. The average time from filing to payout is one week, and the quickest payment was actually completed in seven minutes, an industry record.
Clearcover uses a proprietary machine learning model to review your coverage, assess your claim, and determine if your case will receive an accelerated payment or if it requires additional evaluation.
What are the pros and cons of Clearcover auto insurance?
To better determine whether Clearcover is right for you, it’s always a good idea to create a list of pros and cons. And to help you with this effort, we’ve made a quick pros and cons list, based on our research on the company. Take a look.
Pros:
- All Clearcover services and policy management can be accessed and completed through the company app.
- Customers rate the Clearcover app with a 4.7 out of five stars.
- You can also use Clearcover’s rental reimbursement coverage for rideshare services if you’d prefer to book rides rather than rent a car when your vehicle is in the shop.
- The claims process is fast and easy, and in most cases, you’ll get a payout from the company quickly.
Cons:
- Clearcover is only available in 15 states, so if you don’t live in one of those states, you can’t buy coverage from the company.
- Clearcover only offers auto insurance, so insurance bundling isn’t an option.
- Face-to-face communications are not available with Clearcover (you can only communicate with the company through the app, online, or over the phone)
Pros and cons lists are typically unique to individual needs, so your list may look a little different than ours.
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What else should you know about Clearcover auto insurance?
Kyle Nakatsuji and Derek Brigham started Clearcover auto insurance in 2016 to address issues they saw in the insurance industry. Specifically, they wanted to build a company that offered simple, affordable coverage with solid customer service and a quick, straightforward claims process. And so far, the company has delivered.
Clearcover Auto Insurance: The Bottom Line
You can buy a Clearcover auto insurance company policy in 15 states. The company continues to expand and plans to sell coverage in all 50 states and the District of Columbia in the near future. You can buy basic auto insurance coverage and a few add-on options from Clearcover.
Clearcover’s goal is to offer simple and affordable coverage options. The company has a reputation for solid customer service, with zero logged NAIC complaints and a high level of customer satisfaction.
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