How Is Clearcover’s Auto Insurance?
Last Updated on January 7, 2026
Shopping for car insurance can feel overwhelming. With dozens of providers (and wildly different pricing models), the best way to find a good fit is to compare multiple quotes—including smaller or regional companies you may not have heard of. Clearcover is a digital-first auto insurer that tries to make buying and using car insurance simpler through an app-based experience and streamlined claims.
Below is an updated look at Clearcover’s availability, coverages, pricing approach, discounts, customer service, and financial stability—plus who Clearcover tends to be best for.
Our Rating of Clearcover Auto Insurance
3.9
out of 5
★★★★☆
Summary
Bottom line: Clearcover can be a good fit if you want an app-first experience and standard coverages, but you’ll need to confirm state availability and read endorsements carefully before switching.
Clearcover is a Chicago-based, digital-first auto insurance company designed around online tools and an app for quoting, policy management, and starting claims. It offers core auto coverages like liability, collision, comprehensive, UM/UIM, and state-dependent medical coverages, with optional add-ons such as roadside assistance and rental/alternate transportation where available. The main limitations highlighted are that Clearcover is only open for new policies in select states (as listed in the article), and certain endorsements—like rideshare—have important restrictions, including that the rideshare endorsement does not extend coverage for delivery driving.
Best for
- Drivers who prefer app-based policy management and online service
- Shoppers who want standard coverages and are comparing multiple quotes
- Rideshare drivers who need Period 1 coverage in eligible situations (Uber/Lyft)
Not ideal for
- Drivers who want in-person offices or face-to-face service
- People who live in states where Clearcover isn’t open for new business
- Delivery drivers expecting rideshare coverage to apply to food or item delivery
- Our Rating of Clearcover Auto Insurance
- About Clearcover Car Insurance
- What Types of Car Insurance Does Clearcover Offer?
- Does Clearcover Cover Rideshare Driving?
- What Is Clearcover’s Pricing Like?
- Does Clearcover Offer Discounts?
- Is Clearcover Financially Stable?
- Customer Service and Claims Experience
- How to Get a Quote From Clearcover
- Advantages of Clearcover
- Disadvantages of Clearcover
- Clearcover Pros and Cons
- FAQs on Clearcover Car Insurance
About Clearcover Car Insurance
Clearcover is a digital-first auto insurance company based in Chicago. Instead of relying on a large in-office footprint, Clearcover leans on an app, online tools, and automation to help customers get quotes, manage policies, and file claims.
Important: Clearcover’s state availability and product details can change over time. If you’re shopping for a new policy, the most accurate source is Clearcover’s current list of states open for new business.
Where Is Clearcover Available?
As of early 2026, Clearcover reports it is open for new business in the following states:
- Alabama
- Arizona
- Florida
- Georgia
- Illinois
- Indiana
- Kentucky
- Louisiana
- Maryland
- Mississippi
- Missouri
- Nebraska
- Ohio
- Oklahoma
- Texas
- Utah
- Virginia
- West Virginia
- Wisconsin
If you already have an active policy, Clearcover notes your coverage can extend while driving in the U.S., U.S. territories, and Canada (details depend on your policy terms).
What Types of Car Insurance Does Clearcover Offer?
Clearcover offers the core coverages most drivers need. Like any insurer, exact options and limits depend on your state, vehicle, and underwriting rules.
| Coverage Type | What It Helps Pay For | Is It Required? |
|---|---|---|
| Liability (Bodily Injury) | Injuries you cause to others in an at-fault accident | Yes (minimum limits vary by state) — learn more about bodily injury liability coverage. |
| Liability (Property Damage) | Damage you cause to another person’s property (usually their vehicle) | Yes — learn more about property damage liability coverage. |
| Collision | Repairs to your vehicle after a covered crash (subject to your deductible) | No (but often required by lenders/leases) |
| Comprehensive | Non-collision losses like theft, vandalism, hail, and animal strikes (subject to deductible) | No (but often required by lenders/leases) |
| Medical Payments / PIP (State Dependent) | Covered medical expenses for you and passengers (varies by state) | Sometimes (depends on state) |
| Uninsured / Underinsured Motorist (UM/UIM) | Costs if you’re hit by a driver with no insurance or not enough insurance | Sometimes (depends on state) |
| Roadside Assistance (Optional) | Help with towing, lockouts, jump-starts, and similar services (details vary) | No |
| Rental / Alternate Transportation (Optional) | Helps cover transportation costs after a covered loss, such as rental reimbursement (availability varies) | No |
Medical Bills After an Accident
Depending on your state and what you choose, coverages like MedPay or PIP may help with costs such as hospital bills, rehabilitation, and other related expenses. Some policies can also help with physical therapy after an accident. In severe cases, certain coverages may help with funeral costs after a fatal accident, depending on the policy and circumstances.
Does Clearcover Cover Rideshare Driving?
Clearcover offers a rideshare endorsement in eligible situations, which is designed to extend your coverage during “Period 1” (when the rideshare app is on, but you haven’t accepted a ride yet). If you’re driving for Uber or Lyft, this is exactly the gap many drivers need to fill—here’s a deeper explainer on rideshare coverage for Uber and Lyft.
Heads up: Clearcover states its rideshare endorsement does not extend coverage for food or item delivery (e.g., delivery apps). If you do delivery driving, confirm your coverage in writing before relying on any policy.
What Is Clearcover’s Pricing Like?
Clearcover often markets itself as affordable, but the reality is the same as every insurer: prices vary based on your driving record, vehicle, garaging address, coverage limits, deductibles, and state rules. Some drivers will see very competitive quotes; others won’t.
If you’re comparing rates in a high-cost market, you may also want to read why pricing can spike in certain regions (for example, why car insurance is so expensive in California).
Does Clearcover Offer Discounts?
Clearcover does offer discounts—but they’re often described as being applied automatically during quoting instead of making you hunt through a long checklist. Clearcover says it may price in savings tied to things like safe driving, vehicle safety features, electronic documents, and paying upfront.
To understand how discounts work across insurers (and which ones are most valuable), check our guide to the best auto insurance discounts.
Is Clearcover Financially Stable?
Clearcover notes it is rated by Demotech (and not currently rated by A.M. Best). Clearcover also lists policy underwriting that can vary by state. For example, Clearcover states that policies may be underwritten by Clearcover Insurance Company or, in certain states, other listed underwriting companies.
If you like doing extra homework before buying, look for the underwriting company name on your quote documents or declarations page, then cross-check it through your state insurance department and the insurer’s ratings where available.
Customer Service and Claims Experience
Clearcover is built for customers who prefer online and app-based service. You can typically handle common tasks—billing, documents, and changes—without visiting a local office.
How to File a Claim
Clearcover encourages customers to file claims in the app. If you’re new to claims, here’s our walkthrough on the proper way to file an insurance claim after an accident. Clearcover also allows claim filing by phone, and it states claim filing services are available 24/7 (actual handling timelines vary by claim).
Once you’re insured, you can keep a digital ID card handy—here’s what to know about electronic proof of car insurance and when it’s accepted.
Customer Complaints: What to Watch For
Complaint metrics like the NAIC complaint index can be a useful signal—but they can also vary by state and by the specific underwriting entity on your policy. The right takeaway isn’t “avoid at all costs”; it’s “shop carefully and read your documents.” If you want broad savings strategies beyond picking a carrier, see our top ways to save on auto insurance.
How to Get a Quote From Clearcover
You can start a quote online, and if you buy a policy, you’ll generally manage it through the app. Clearcover also supports certain agent/partner channels, depending on your state and shopping path.
Once you’re covered, you’ll typically be able to access policy documents and your digital proof of insurance in the app. (If you’ve ever misplaced your physical card, you’ll appreciate having a backup—here’s what a car insurance card is and what it shows.)
Advantages of Clearcover
- App-first experience: Great for drivers who want to handle everything digitally.
- Fast claim start: App-based claim filing can be convenient and quick to initiate.
- Competitive pricing for some drivers: Worth quoting if you’re comparing cheapest auto insurance companies for your profile.
Disadvantages of Clearcover
- Limited availability: Not offered in every state, and availability can change.
- No in-person offices: Not ideal if you prefer face-to-face service.
- Fewer specialty add-ons than some big carriers: If you need niche options, compare against insurers with more auto insurance add-ons.
Clearcover Pros and Cons
| Pros | Cons |
|---|---|
| Simple, digital-first buying and policy management | Not available everywhere |
| App-based claims and document access | No local offices for in-person help |
| Can be competitively priced for some driver profiles | Complaint metrics can vary by state/entity—do your homework |
| Optional rideshare endorsement in eligible situations | Rideshare endorsement does not apply to delivery driving |
