Clearcover insurance review 2025
Policyholders who want a six-month car insurance policy and value a user-friendly digital experience might consider Clearcover as their company of choice.
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AutoAvg. annual premium for full coverage N/AAvg. annual premium for min coverage N/A
Compare Clearcover with other insurers
Lemonade and Root are comparable insurance companies to Clearcover. Here's how the three stack up:
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Featured
Clearcover
3.0
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 2.5Coverage 3.0Support 4.0 |
Lemonade
3.1
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 2.3Coverage 3.6Support 4.4 |
Root
3.4
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 3.0Coverage 3.8Support 3.9 |
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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If you're looking to manage your car insurance policy entirely on your phone, you may want to add Clearcover to your list of potential companies. Available in 19 states, Clearcover uses AI to speed up the claims process; it advertises that claims can be paid and settled in a matter of minutes. But, Clearcover customers on Reddit claim that while rates started off low, they continued to rise when policies were renewed. The company also has a higher number of complaints with the NAIC, which could be a red flag for some drivers.
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Lemonade offers a highly-rated app driven by artificial intelligence that allows you to manage your policy digitally. In addition to auto insurance, Lemonade offers home, renters, condo, pet and life insurance, making it more of a potential one-stop-shop than Clearcover. In addition, Lemonade is a Certified B Corporation, and the company's Giveback program donates excess premiums to charities of policyholders’ choice. Lemonade doesn't have agent offices, and some claims can be settled using an AI chatbot.
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Root may be worth a look as a choice for careful or low-mileage drivers. This insurance company requires all potential policyholders to complete a test drive via a mobile app in order to be offered an insurance quote. Your rates are based entirely on how well you drive, as tracked by Root’s advanced mobile app. Like Clearcover, it relies heavily on its digital experience, and it folds discounts into the premium as opposed to listing them separately. Root also offers home and renters insurance to those who have its auto coverage.
Read More
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Digital-only insurance company
Advertises cheap rates
Only auto insurance, no bundling
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Home, auto and renters available
Highly-rated mobile app
No agent offices, only digital
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Good for low mileage drivers
Home and renters bundles
Roadside assistance included
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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| No rates available | No rates available | No rates available |
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J.D. POWER AUTO SCORE
J.D. Power’s U.S. Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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Not Scored | Not Scored |
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AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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| No rates available | No rates available | No rates available |
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J.D. POWER HOME SCORE
J.D. Power’s U.S. Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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Not Scored |
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AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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Clearcover car insurance review
According to Bankrate’s analysis of Clearcover, drivers who want to save money on their car insurance premiums and who value a digital experience might consider Clearcover. On its website, the insurer advertises savings of up to $1,200 per year, but keep in mind that this will be different for everyone and savings are not guaranteed. Clearcover only writes six-month auto insurance policies, which may be well-suited for some drivers.
A relatively new company on the insurance scene, Clearcover aims to use AI technology to streamline auto insurance and save customers money in the process. The company earned a 3.0 Bankrate Score for its auto coverage, which indicates that it offers an innovative product and has strong digital tools. However, its lack of availability in some states and absence of third-party ratings held it back from earning a higher Bankrate Score.
When it comes to car insurance coverage, Clearcover offers a few types of optional coverage, like alternate transportation coverage, which covers the cost of renting a car, taking public transportation or using a rideshare app if your vehicle is in the shop. Rideshare coverage is also available.
Clearcover may be one of the best insurance companies if you are looking for a new and innovative carrier, but it is only available in 19 states. However, the company says it will be expanding into more states in the future.
Pros and cons of Clearcover car insurance
Clearcover may offer affordable car insurance options to tech-savvy policyholders. While it may be a good option for some drivers, it’s still worth considering the possible pros and cons of using Clearcover to insure your vehicle.
Pros
- Advertises cheap rates
- Easy-to-use mobile app
- AI technology may allow for faster claims payouts
Cons
- Policyholders need a smartphone for access
- Only available in 19 states
- No bundling available
Clearcover car insurance cost
At Bankrate, we look at data from Quadrant Information Services to determine average rates. However, rate data for Clearcover is not available. That said, the average cost of car insurance nationwide is $223 per month for full coverage, according to Bankrate’s analysis. Minimum coverage car insurance costs an average of $67 per month. Keep in mind that Clearcover only writes six-month auto policies, so knowing the national monthly average cost of a policy can be a helpful benchmark.
Insurance is a personalized product so the price you pay depends on unique factors like your vehicle, driving history, location, age and more. Because of this, your exact insurance premium will likely vary from the national average cost of car insurance.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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What are real-life customers saying about Clearcover?
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Frequently asked questions
What policyholders are saying about Clearcover
Clearcover has 50 reviews
Dive into community reviews below and see what others think about Clearcover.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
In collaboration with market research firm SliceMR, Bankrate surveyed over 3,000 insurance customers nationwide from 2024–2025, asking policyholders to rate their insurer's cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders' policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Policyholder Reviews
Methodology
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
