Who Is Clearcover?
Clearcover is a technology-driven auto insurance company headquartered in Chicago, Illinois. Founded in 2016, Clearcover was built from the ground up to deliver a better insurance experience by using technology to reduce operational costs and pass those savings directly to customers. They specialize exclusively in auto insurance and have earned a reputation for offering some of the most competitive rates in the markets they serve.
Better Choice Insurance Group partners with Clearcover because they give us another powerful option when quoting auto insurance — particularly for cost-conscious drivers who want solid coverage without the premium price tag of legacy carriers.
History & Heritage
Clearcover was co-founded in 2016 by Kyle Nakatsuji and Derek Brigham. Before starting Clearcover, Nakatsuji worked as a venture capitalist at American Family Ventures, where he invested in insurance technology companies. That experience gave him a front-row seat to the inefficiencies in the traditional insurance industry — and the conviction that technology could fix them.
The founding thesis was simple: traditional insurance companies spend too much on overhead, marketing, and legacy systems. Those costs get passed to customers in the form of higher premiums. By building a modern, technology-first insurance company, Clearcover could strip out unnecessary costs and offer the same coverage at a lower price.
Since launching, Clearcover has raised significant venture capital funding and reached unicorn status with a $1 billion valuation in 2021. They have expanded their coverage footprint across multiple states and continue to grow their presence through partnerships with independent agents like Better Choice Insurance Group. As a Chicago-based company, they are practically our neighbors — and we are proud to partner with a local innovator.
What Clearcover Is Known For
Lower Rates Through Technology
Clearcover's entire business model is built around using technology to reduce costs. By automating underwriting, policy management, and parts of the claims process, they operate with significantly lower overhead than traditional carriers. Those savings translate directly into lower premiums for customers.
Fast, App-Based Claims
Clearcover's mobile app allows you to file a claim 24/7, and most claims are paid in less than a week. The app-based claims process is designed to be fast and transparent, with real-time status tracking so you always know where your claim stands. For simple claims, much of the process is automated, which means faster resolution.
Mobile-First Experience
Everything about Clearcover is designed for the mobile experience. Their app lets you manage your policy, view your ID cards, make payments, file claims, and even request roadside assistance — all from your phone. If you prefer managing your life from your device rather than calling an 800 number, Clearcover is built for you.
Transparent, No-Frills Pricing
Clearcover does not rely on gimmicks, bundling incentives, or loyalty programs to attract customers. Their pricing is straightforward: they aim to give you the best rate they can from day one, based on your actual risk profile. What you see is what you get.
Roadside Assistance Built In
Clearcover offers roadside assistance as an add-on that can be requested directly through the app. If you are stranded, help is just a few taps away — no phone calls, no wait-time runarounds.
Why We Partner With Clearcover
Clearcover fills an important role on our carrier panel. When we are quoting auto insurance for clients who are primarily focused on getting the best rate, Clearcover frequently comes in at or near the top. Their technology-driven pricing model means they can often beat legacy carriers on price while still providing solid coverage.
We also appreciate that Clearcover is a local company. Based right here in Chicago, they understand the Illinois market deeply. Their rates reflect the realities of driving in our region, and their growth has been impressive to watch firsthand.
For clients who are comfortable managing their insurance through an app and value a streamlined, no-fuss experience, Clearcover is an outstanding choice. And because we are an independent agency, we can pair Clearcover auto insurance with home coverage from another carrier on our panel — giving you the best of both worlds.
Financial Strength: Demotech Rating — A (Exceptional)
Clearcover is rated by Demotech, an independent financial analysis firm that specializes in evaluating the financial stability of insurance carriers. Clearcover holds a Demotech A (Exceptional) rating, which indicates that they possess exceptional financial stability and demonstrate the ability to meet their obligations to policyholders regardless of economic conditions.
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Where We Write Clearcover Insurance
Better Choice Insurance Group offers Clearcover Insurance policies to homeowners and drivers across our service areas:
- Illinois: St. Charles, Naperville, Chicago, Aurora, Schaumburg
- Texas: San Antonio, Dallas, Houston, Austin, Fort Worth
- Indiana: Indianapolis, Carmel, Fishers
- Minnesota: Minneapolis, St. Paul, Bloomington