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Clearcover Insurance Review

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Pros and Cons

Pros

  • Pros
    Provides the fastest claims in the auto insurance sector.
  • Pros
    Provision to switch insurance even if you are currently involved with another insurance company.
  • Pros
    No obligation quotes.
  • Pros
    No complaints from the NAIC.
  • Pros
    Flexible billing process.
  • Pros
    Transparent pricing of insurance policies.
  • Pros
    Cheaper rates than competitors for drivers.
  • Pros
    Ideal for customers looking for digital insurance service.
  • Pros
    Significant discount schemes for customers with military background.

Cons

  • Cons
    Offers only auto insurance.
  • Cons
    Not yet available in every state.
  • Cons
    No in-person experience while contacting agents for policies and claims.
  • Cons
    No gap insurance.
  • Cons
    Accident benefits not provided.
  • Cons
    Does not offer usage-based insurance for drivers.
Liability Coverage
  • Bodily Injury
  • Property Damage
  • Vehicle Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • Medical Coverage
  • Uninsured/Underinsured Bodily Injury
  • Medical/Personal Injury
  • Specialty Coverage
  • Alternate Transportation
  • Road Side Assistance
  • Program NameFeatures
    Military Discounts
  • Members of the military have two options to choose from;
  • 15% for service members
  • 25% for active-duty armed service members in Louisiana
  • Other Discounts
  • Safe Driving Discounts
  • Discount for paying in total upfront
  • Paperless Discount
  • Discount available if the car has safety features
  • Sample of Customer Reviews

    4

    (5 Reviews)
    5
    (3)
    4
    (1)
    3
    (0)
    2
    (0)
    1
    (1)
    Reviews

    I found Clearcover to be honest and very fair with their pricing. For example, I was previously with State Farm with liability–only insurance. My quote from Clearcover insurance gave me equal liability but for just a few dollars more ($3 actually) they provided me with full coverage.

    I was able to easily take care of everything online within 10 minutes and by switching from Farmers Insurance, I was able to save over a hundred dollars and got better coverage. Highly recommended.

    So far so good! They gave me the best quote out of several and I’ve had no problems at all. Now I have not had any dealings with their customer service or any issues that required contact with them, so I can’t speak about that. The app works well and there are no issues there either. I will update my review in a few months!

    Signing up for a new policy was easy and nice. However, I would have liked to have been notified immediately when my credit card failed and given a chance to pay with another card… but instead, I had to sign up over again and it cost me $50 more… which made me a little upset.

    Horrible customer service. Possibly the worst I have ever dealt with. I had my payment not go through on the day it was due, due to a card mix up. I immediately added a different card to the file and the payment went through on the exact same day. I even received a confirmation email saying that the payment had been received. About a week later I received a letter saying they have now canceled my policy due to non-payment. I have been trying to get a hold of them for almost a month to try and sort it out and have not heard a single word from them.

    Source: Trustpilot, Clearcover

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    FAQs

    • Does Clearcover sell homeowners policies?

      On its own, Clearcover focuses solely on auto insurance. But it does offer homeowners policies in partnership with Hippo Insurance.

    • Can I get gap insurance from Clearcover?

      As far as we are aware, Clearcover does not sell gap insurance. You can only purchase car insurance policies from them.

    • Which states does Clearcover operate in?

      Clearcover currently operates in 20 states. They are: Alabama, Arizona, California, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Nebraska, Ohio, Oklahoma, Pennsylvania, Texas, Utah, Virginia, West Virginia, and Wisconsin. Two more states (Nevada and North Carolina) are on the way.

    • How do I apply for Clearcover insurance?

      You can visit their website and select the “Check Your Price” option on the top right corner of the page. You can also go to the “Switch” tab where you can check what kind of policy you require through the 60 Second Quote Wizard.

    • Does Clearcover provide Roadside Assistance?

      Yes. You can get it through the Clearcover mobile application, or call them using the number provided on their website.

    Author Display Picture
    Agency Height Team

    Updated on: June 18th, 2026

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