Clearcover vs Elephant: which is better for car insurance in 2026?
Across our six scoring categories, Clearcover comes out ahead in 0, Elephant in 1, with 5 too close to call. There is no overall score to compare, though: Clearcover does not publish enough of the underlying data to earn one, and we would rather leave it blank than build a number out of the two or three figures that happen to exist. Elephant is the better-documented of the two, which is not the same as being the better insurer for you. Judge these two on the categories where both have real figures — and on what they actually quote you.
Clearcover vs Elephant, side by side
Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.
Category by category
Price
Too close to callClearcover does not release public rate data, so there is no like-for-like premium to set against Elephant's Not published. That is a real gap in the comparison, not a rounding error — treat Clearcover's price as unknown until you have a quote in hand.
Clearcover is not included in the rate study behind every other premium in this review.
Elephant is not included in the rate study behind every other premium in this review.
Claims satisfaction
Too close to callNeither pulls ahead on claims satisfaction: Clearcover posts Not rated and Elephant Not rated, a difference too small to choose on.
Not in the J.D. Power claims study, which samples only the largest insurers.
Not in the J.D. Power claims study, which samples only the largest insurers.
Complaint record
Elephant aheadElephant takes complaint record on More than expected against Clearcover's Far more than expected.
Far more complaints than expected for its size.
More complaints than expected for its size — better than the other app-first insurers here, but still below par.
Financial strength
Too close to callNeither pulls ahead on financial strength: Clearcover posts Not published and Elephant Not published, a difference too small to choose on.
None. Clearcover carries no AM Best rating, and Demotech withdrew its financial strength rating in April 2026 — so no agency currently publishes an assessment of its ability to pay claims.
No AM Best rating we could verify, and no alternative rating found.
Discounts
Too close to callNeither pulls ahead on discounts: Clearcover posts Not published and Elephant Not published, a difference too small to choose on.
No discount list we could read on Clearcover's own site.
No discount list we could read on Elephant's own site.
Digital experience
Too close to callNeither pulls ahead on digital experience: Clearcover posts Not published and Elephant Not published, a difference too small to choose on.
No app-store figures we could verify from a primary source.
No app-store figures we could verify from a primary source.
So which one?
Pick Clearcover if…
- You are among drivers who want a fast app-based purchase and will accept the rating gap.
- Availability fits: 18 states.
Pick Elephant if…
- You are among drivers in its eight states comparing it against other budget options.
- You want the lower complaint record — Elephant sits at More than expected.
- Availability fits: 8 states.
Clearcover vs Elephant, answered
The questions people ask before switching between these two.
Other comparisons
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Averages are a starting point. Your rate is the only number that decides it.