Clearcover auto insurance review 2026
A digital-first insurer in 18 states whose financial strength rating was withdrawn in April 2026, leaving it with none from either agency.
- Market share
- Outside NAIC top 25
- AM Best rating
- Not published
- Availability
- 18 states
A national average is not a quote. Compare Clearcover against 50+ insurers on your own ZIP, vehicle, and record.
How Clearcover scores
Each category is scored against a published figure, then weighted into the overall score. Where a figure is not published, we say so rather than estimate one.
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.
Strengths and trade-offs
What Clearcover does well
- Fast, genuinely app-native quote and claims process
- 18 states, a reasonable footprint for a digital-native insurer
Where it falls short
- No financial strength rating from any agency — Demotech withdrew its rating in April 2026
- Far more complaints than expected for its size
- No published average premium, so it cannot be price-compared in advance
- No discount list published on its own site
The full review
Clearcover sells auto insurance in 18 states through a digital-first model built around a fast app-based quote and claims process. On product design it is a credible modern insurer. On the question of whether it can pay, the published record has recently got worse rather than better.
The rating withdrawal
Clearcover has never carried an AM Best rating. It did hold a Demotech financial strength rating — and Demotech withdrew it in April 2026, leaving Clearcover listed as not rated. As of now no agency publishes an assessment of its ability to meet claims.
Root and Elephant have never held a rating. That can simply mean a company never sought one, which many small insurers do not.
A withdrawn rating means an agency had assessed the company and stopped. We are not in a position to say why, and we are not going to speculate — but the two situations are not equivalent, and a prospective customer should know which one this is.
The complaint record
Clearcover draws far more complaints than its size predicts. As with the other app-first insurers here, that band is shared across the category rather than unique to Clearcover — but it compounds rather than offsets the rating situation.
What we are not saying
None of this is a prediction that Clearcover will fail to pay a claim, and we have no basis for one. What we can say is narrower and still worth acting on: every other insurer in this review either holds a current financial strength rating or has one we simply could not read, and Clearcover is the only one where an agency actively stopped publishing an opinion.
The withdrawal of Clearcover's Demotech rating in April 2026 is the fact that governs this review. It now carries no independent financial strength assessment from any agency, and a withdrawn rating is a stronger signal than one that was never sought. Combined with the weakest complaint band we assign, that is difficult to look past whatever the app experience is like.
We only publish a composite score when enough of it rests on published figures — at least 70% of the scoring weight, including price. Clearcover falls below that: 5 of our six categories have no published figure (price, claims satisfaction, financial strength, discounts, digital experience). Averaging whatever is left would produce a confident-looking number built mostly on the categories that need no third-party study, and a carrier scored that way can easily outrank one we actually measured. The individual categories above are real; the missing ones are simply missing.
Compare Clearcover head-to-head
Every pairing gets its own side-by-side breakdown across the same six categories.
Clearcover questions, answered
The things people actually ask before switching.
Clearcover by state
Clearcover writes in 18 states. If yours is not listed, it is not an option there at any price.
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