How Is Clearcover’s Auto Insurance?
Last Updated on October 22, 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
2.1
out of 5
★★☆☆☆
Summary
Bottom line: Clearcover may suit drivers who want an app-first experience and standard coverages, but it draws far more complaints than expected for its size, and 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
- Sources
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 change, and its own help center currently carries two different state lists. Before you shop, check Clearcover’s list of states open for new business yourself.
Where Is Clearcover Available?
Read on October 4, 2026, Clearcover’s help center listed these states as open for new business:
- Alabama
- Arizona
- Florida (listed on one Clearcover page, not the other)
- Georgia
- Illinois
- Indiana
- Kentucky
- Louisiana
- Maryland
- Mississippi
- Missouri
- Nebraska
- Ohio
- Oklahoma
- Texas
- Utah
- Virginia
- West Virginia
- Wisconsin (listed on one Clearcover page, not the other)
The two notes matter. Clearcover publishes two help-center pages about availability and neither is dated. One lists Florida and leaves out Wisconsin; the other lists Wisconsin and leaves out Florida. The other 17 states appear on both. If you live in Florida or Wisconsin, start a quote and let the ZIP code settle it.
California is a separate case. Clearcover services California policies that already exist, but it doesn’t list California as open for new business.
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.
Clearcover doesn’t publish which states the endorsement is sold in. It tells you to ask a representative whether your policy is eligible.
Heads up: Clearcover names the apps. Its help center says the rideshare endorsement “does not cover UberEats, Grubhub, DoorDash, Postmates, Instacart, or any other delivery driving service.” If you do delivery driving, this endorsement won’t help you, and you need a policy or endorsement written for delivery work.
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, and they’re generally applied during quoting instead of making you hunt through a long checklist. Clearcover doesn’t publish a discount page, but its documented discounts cover safe driving, more than one vehicle, a vehicle under three years old, paying in full, setting a future start date, paperless documents, continuous prior coverage, a defensive driving course, vehicle safety features, years of driving experience, membership in a partner organization, and military or veteran status.
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 used to carry a Financial Stability Rating from Demotech, but Demotech withdrew it on April 9, 2026, and now shows Clearcover Insurance Company as NR, or not rated. Clearcover isn’t rated by A.M. Best either. So there is currently no third-party financial strength rating on the company.
Which company actually writes your policy depends on where you live. Clearcover names four: Clearcover Insurance Company (NAIC 16524), Clearcover Inter-Insurance Exchange (NAIC 17733), Old American County Mutual Fire Insurance Company in Texas (NAIC 29378), and Response Indemnity Company of California (NAIC 10970). Response Indemnity, which writes Clearcover’s existing California policies, is the only one of the four with an A.M. Best rating. A.M. Best upgraded it to A (Excellent) effective July 31, 2026. Look for the name on your quote documents or declarations page, then check it with your state insurance department.
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. You can also file at clearcover.com/claims, or call claims associates at 855-444-1875. Clearcover’s help center gives those phone hours as Monday to Friday, 8 a.m. to 7 p.m. Central, so phone claims are not round the clock. Clearcover says eligible claims can be paid in as little as seven minutes, though that’s its best case rather than an average.
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
Here is the record, and it cuts both ways. As of October 4, 2026, the Better Business Bureau gave Clearcover, Inc. an A+ rating and listed it as BBB accredited since November 2017, with 47 complaints over the last three years and 13 closed in the last 12 months. On the regulator side, NerdWallet’s read of three years of NAIC data found Clearcover drew far more complaints than expected for a company its size. Those two measure different things. BBB grades how a business handles BBB complaints; the NAIC index counts regulator complaints against market share. Using NAIC complaint data for 2023 through 2025, we calculate a complaint index of 3.87 for Clearcover Insurance Company and Clearcover Inter-Insurance Exchange together, based on 82 confirmed complaints. An index of 1.00 is what companies of that size would be expected to draw, so Clearcover drew nearly four times as many. Read your documents, and keep your own records of every call. 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 sells through agents, depending on your state and shopping path. My advice is to run the quote, then download the app before you buy, because with this company the app is the service.
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: You file in the app, and Clearcover says eligible claims can be paid in as little as seven minutes.
- Competitive pricing for some drivers: Worth quoting if you’re comparing cheapest auto insurance companies for your profile.
Disadvantages of Clearcover
- Limited availability: Open for new business in fewer than 20 states, and Clearcover’s own two state lists don’t match.
- 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.
One more to weigh: Clearcover carries no financial strength rating right now, after Demotech withdrew its rating in April 2026.
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 | More NAIC complaints than expected for its size |
| Optional rideshare endorsement in eligible situations | Rideshare endorsement does not apply to delivery driving |
| BBB A+ and accredited since 2017 | No financial strength rating since April 2026 |
FAQs on Clearcover Car Insurance
Sources
Checked October 4, 2026
- Clearcover — Home Page
- Clearcover — Where Is Clearcover?
- Clearcover — States Where You Can Get a Clearcover Policy
- Clearcover — About Rideshare Coverage
- Clearcover — Claim Support
- Demotech — Clearcover Insurance Company, NAIC 16524
- Better Business Bureau — Clearcover, Inc. Profile
- NerdWallet — Clearcover Auto Insurance Review, December 22, 2025
- AM Best — Credit Rating Disclosure: Response Indemnity Company of California, July 31, 2026
- National Association of Insurance Commissioners — Consumer Insurance Search, Private Passenger Auto Complaints 2023-2025, October 14, 2026
