Clearcover Insurance Review (2026)
- Overall rating: good (3.3/5 stars)
- 70.6% of customers recommend Clearcover
- Digital experience score: Solid (4/5 stars)
Read more below to get a quote directly from Clearcover.
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Tara joined The Zebra in 2025, bringing 18 years of marketing and public relations experience with fintech and insurance brands. She specializes in c…
Credentials
- 18+ years of experience in the fintech & insurance industries
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Clearcover Insurance: A good choice for tech-first shoppers
Clearcover is a tech-driven insurer that promises a modern, app-based experience—but the results are a bit mixed. While it offers solid coverage options, discount opportunities are limited, and pricing is unavailable.
Customer service reviews vary, with some praising the ease of use and others citing frustrations during the claims process. Still, The Zebra gives Clearcover a good rating for its digital-first approach and growing potential.
-
Market Stability and Longevity: Established history suggests reliable long-term coverage.
-
Digital Document Access: Access policy documents and ID cards anytime from any device.
-
Transparency in Process and Timeline: Lack of transparency leaves you uncertain about claim status.
-
Average Processing Time: Slow processing delays reimbursement when you need funds.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Clearcover car insurance?
Accurate pricing information for Clearcover is limited, making it difficult to assess how its rates compare to the national average — currently around $1,084 for a 6-month policy. Since premiums vary based on factors like age, location, driving history, and vehicle type, the best way to determine if Clearcover fits your budget is to get a personalized quote and compare it with other options during your search.
See how Clearcover stacks up against competitors →
Discounts offered at Clearcover: only one
While Clearcover doesn’t list very many car insurance discounts on its website, the company indicates that a number of discounts are baked into each quote based on the customer's driving profile. Essentially, Clearcover aims to offer drivers the lowest possible rate at the onset of each policy.
- Active military personnel discount: Clearcover offers service members a 15% discount. Active duty armed service members in Louisiana receive 25% off on their insurance premiums, as do their children under 25.
The company advises that drivers can maintain lower rates by keeping a safe driving record, paying their insurance premium upfront and investing in certain vehicle safety features. Learn more about Clearcover's discount policies here.
Compare with other companies
See how Clearcover stacks up against similar companies
Cost: Unavailable
Customer satisfaction: Medium
Our take:
- Best for digitally adept customers
- Not available in all states
- Few optional coverages and discount opportunities
Cost: $563 for a six month auto policy
Customer satisfaction: Medium
Our take:
- More available than Clearcover
- Worse trust and reliability scores than Clearcover
- Similar customer service scores to Clearcover
Cost: $1,152 average cost for a six-month policy
Customer satisfaction: Medium
Our take:
- Better digital experience scores than Clearcover
- Better customer service scores than Clearcover
- Worse trust and reliability scores than Clearcover
Clearcover's customer service & claims experience: A mixed bag
Clearcover makes it easy to file a claim—but the experience after that often falls short. Customers report poor communication, slow processing times, and unclear timelines, along with dissatisfaction over how disputes are handled. That stands in contrast to the generally solid service from its agents and support team.
Easy access to great rates for coverage you want
"Extremely easy online access to coverage options from which you can choose that matches your particular needs at a cost that is lower than most other insurers." -Trustpilot
Good price, bad service
"Good price. But the service was bad after accident. It tooks months. I feel like my adjustor was trying very hard to move the claim along and I appreciated her efforts. However everything seemed to be delayed. Also, my refund was sent to entirely wrong email address." - Trustpilot
Terrible
"Devoutly incompetent and unreachable customer service department, the same with claim adjusters who contradict eachother. They dont give accurate information when you call them. You can call and be on hold for more than an hour and the call will drop. My experience was very regrettable with them." - Clearsurance
Clearcover Customer Survey results
70.6% of customers recommend Clearcover
The Zebra conducted a survey across 4,000+ users to gather ratings on major carriers' customer service, claims process, ease of use, and more. See how Clearcover was rated in individual categories by expanding the section below.[1]
Source: The Zebra
Claims process: An uncertain phase
Customers report an easy experience when filing a claim with Clearcover's app or online tools. However, once a claim is filed, the service quality declines, with below-average scores for transparency, communication, processing times, and the fairness of dispute resolution.
Coverage options: Flexible and customizable
Clearcover provides all the auto insurance options that you would expect from most major carriers, including bodily injury and property damage liability, medical payments, comprehensive, collision coverage and uninsured/underinsured motorist coverage.
Clearcover doesn’t have an extensive list of additional coverages (otherwise known as endorsements) but many drivers may consider the following coverage add-ons helpful:
Carrier pulse: Recent news from Clearcover
- Clearcover unveils insurance exchange to boost non-standard auto insurance market.[2]
Final thoughts: Is Clearcover right for you?
Clearcover is a growing company and a promising new player in the insurance space. Clearcover does not yet have outside ratings from trusted sources such as J.D. Power or AM Best. However, Clearcover's customer reviews are largely favorable and its rating from the Better Business Bureau is decent. Without average rates and limited information on coverages, it's difficult to say if Clearcover is right for your next insurance provider.
Frequently Asked Questions about Clearcover
Get quotes from Clearcover and other top companies
-
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
-
Anonymized User Survey. The Zebra
-
Clearcover unveils insurance exchange to boost non-standard auto insurance market. Fintech
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
