Clearcover is a technology-driven car insurance company founded in 2016 and headquartered in Chicago, Illinois. The company uses an API-first, digital approach and artificial intelligence to offer affordable auto insurance with fast, app-based claims processing. Clearcover focuses on providing competitive rates by building efficiency into its technology stack, automatically factoring discounts into pricing rather than requiring customers to find them. ABOUT CLEARCOVER Clearcover was founded in 2016 by Kyle Nakatsuji and Derek Brigham with a mission to make car insurance smarter, faster, and more affordable through technology. The company operates as a digital-first auto insurer, managing the entire experience through its award-winning mobile app and website. Clearcover uses machine learning and AI to underwrite policies, process claims, and keep costs low. The company is known for its fast claims handling, using AI technology including its ClearAI tools to process eligible claims quickly, sometimes in as little as 30 minutes, with a reported record of seven minutes. Clearcover is available in a growing number of US states and continues to expand. The company holds an A (Exceptional) financial stability rating from Demotech and has been accredited by the Better Business Bureau since 2017. PRODUCTS OFFERED Clearcover focuses exclusively on personal auto insurance, offering standard coverage components including bodily injury and property damage liability, collision, comprehensive, uninsured and underinsured motorist, and medical payments. Add-on coverages include roadside assistance through HONK and rideshare coverage. Clearcover does not offer home, renters, or other insurance lines, concentrating solely on car insurance. KEY STRENGTHS Clearcover’s primary strengths include competitive pricing for full coverage, fast AI-powered claims processing, an award-winning mobile app, automatic discounts built into pricing, a fully digital experience designed for tech-comfortable drivers, and a streamlined quote process. The company’s API-first technology approach supports efficiency and affordability. CONSIDERATIONS Clearcover operates entirely digitally with no in-person agents, which may not suit drivers preferring traditional service. The company offers auto insurance only, without bundling opportunities across other lines. Availability is limited to certain states rather than nationwide. Customer reviews of the claims process are mixed, with some praising speed and others citing frustrations. Clearcover does not offer accident forgiveness or gap insurance, and its add-on options are more limited than some major insurers. STATES SERVED Clearcover operates in a growing number of US states, with availability expanding over time. The company sells policies on a six-month basis. Prospective customers should confirm current availability in their specific state through the Clearcover website or app before planning to enroll. CLEARCOVER CONTACT INFORMATION Website: https://clearcover.com Customer Service Phone: 855-444-1875 Customer Support Hours: Monday-Friday 8:00 AM-7:00 PM CT Headquarters: Chicago, Illinois (founded 2016) Facebook: https://www.facebook.com/clearcoverinc/ Instagram: https://www.instagram.com/clearcoverinc/ LinkedIn: https://www.linkedin.com/company/clearcover-inc Note: Contact details are provided for reference and were verified against Clearcover’s official support pages and public business listings at the time of writing. Always confirm current details on the official Clearcover website, as contact information can change.
