Clearcover auto insurance review: AI-powered policies and quick claims payouts

Woman driving a car with her dog in the passenger seatImage: Woman driving a car with her dog in the passenger seat
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Editors’ take: Clearcover auto insurance could be a good choice for people in select states looking for basic auto insurance coverage options and quick payouts. Clearcover’s machine learning capabilities and app-based experience make for a modern auto insurance experience, although the company’s higher-than-average complaint frequency may be a cause for concern. Clearcover might not be a great option for those looking to take advantage of plentiful bundling opportunities.


Clearcover auto insurance at a glance

Availability Available in 20 states
J.D. Power customer satisfaction ratings Not listed
Number of complaints in 2021 More than usual for an insurer of its size in the market, according to National Association of Insurance Commissioners data on Aug. 22, 2022
How to get an insurance quote Online or over the phone
How to submit a claim Through the mobile app or over the phone

Pros

  • Potentially fast payouts
  • App-based claims process
  • Coverage Wizard helps you get custom coverage

Cons

  • Not available in every state
  • More complaints than average
  • Basic coverage options

What you need to know about Clearcover auto insurance

Clearcover is an app-based auto insurance company that offers basic coverage options for drivers in 20 states. The company says its machine learning technology allows it to offer a simple claims process and pay out claims more quickly than traditional insurance companies can.

Clearcover doesn’t offer renters or homeowners insurance.

Fast payouts

Clearcover says it can pay out simple insurance claims more quickly than other insurers, with its fastest payout being made in just seven minutes. Why is Clearcover’s claims process so fast? The company says its machine-learning model, ClearAI, validates your coverage and assesses your eligibility for a payout.

Customers can use the Clearcover mobile app to answer questions, submit images related to their insurance claim and track their claim’s progress.

Coverage Wizard

Potential customers can use Clearcover’s Coverage Wizard tool to get coverage options and quotes based on their specific needs.

More complaints than average

According to the National Association of Insurance Commissioners on Aug. 22, 2022, Clearcover received more complaints than usual for an insurer of its size for its private passenger car insurance in 2021.

Auto coverage offered by Clearcover

Clearcover’s policy options are relatively standard compared to other auto insurance companies, with a few optional add-ons like rideshare coverage and alternate transportation reimbursement available.

Clearcover insurance policies are offered in six-month terms rather than 12-month terms. The company says this allows the company to evaluate your driving history more frequently. According to Clearcover, this could help you save money.

Clearcover offers the following coverage options:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Personal injury protection
  • Medical payments coverage
  • Uninsured and underinsured motorist coverage
  • Roadside assistance
  • Rideshare coverage
  • Alternate transportation — Clearcover will reimburse your expenses for renting a car or using a rideshare service like Uber or Lyft if you’re in a covered accident and can’t use your car.

Clearcover doesn’t offer gap insurance, mechanical breakdown insurance, pay-per-mile coverage, umbrella insurance, glass coverage or insurance for classic cars.

Auto insurance discounts offered by Clearcover

Clearcover auto insurance customers can save money on their insurance premium through the following discounts:

  • Safe driving
  • Vehicle safety features
  • Electronic payments
  • Paying upfront
  • Military personnel discount

Common question: Who owns Clearcover insurance?

Clearcover was founded in 2016 by Kyle Nakatsuji and Derek Brigham.

Common question: In which states does Clearcover offer coverage?

Clearcover is available in 20 states: Alabama, Arizona, California, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Nebraska, Ohio, Oklahoma, Pennsylvania, Texas, Utah, Virginia, West Virginia and Wisconsin.

Not sure if Clearcover auto insurance is right for you? Consider these alternatives.

  • Geico: This insurance company offers a wide range of policy discounts.
  • MetLife: The global insurer may be worth a look, as it offers numerous coverage options.

About the author: Sarah Sidlow is a freelance writer and editor based near Detroit. She has a master’s degree in journalism from Georgetown University. Sarah’s work has appeared in Luxembourg’s national newspaper, Washington City Paper… Read more.