Clearcover API
Clearcover runs a partner-only API suite (Quote, Lead, Flow, Customer, Policy) gated to contracted distributors such as Experian and Goosehead. Policyholders get no API; policy, billing, and claims data live only in the app. No public sandbox, OpenAPI spec, or developer portal exists.
Frequently asked questions
Clearcover scores D+ on the API Report Card. Clearcover runs a partner-only API suite (Quote, Lead, Flow, Customer, Policy) gated to contracted distributors such as Experian and Goosehead. Policyholders get no API; policy, billing, and claims data live only in the app. No public sandbox, OpenAPI spec, or developer portal exists.
Without a usable official API, teams fall back on manual exports, file drops, or one-off vendor integrations. The other option is an unofficial API layer like Supergood that automates the authenticated web app directly.
Clearcover is a Chicago-headquartered direct-to-consumer auto insurance carrier founded in 2016 that positions itself as 'the smarter car insurance choice,' built around a mobile-first customer experience and an API-first, embedded distribution model.
Financial Services (Auto Insurance Carrier / Embedded Insurtech), Target market is U.S. personal-auto insurance shoppers, with a strong secondary focus on embedded distribution partners (auto dealers and OEMs, banks and financial-services brands, independent insurance agencies, and comparison-shopping platforms like Experian's auto insurance marketplace). A driver visits clearcover.com or a partner site (e.g., Experian's insurance marketplace, a Goosehead agent's quoting platform, or a co-branded landing page), enters basic vehicle and driver information, and receives a bindable Clearcover auto quote.
Clearcover is licensed in roughly 19 states with ~$63M in Q2 2025 direct written premiums (down ~18% YoY) and has raised more than $560M in venture funding to date, reaching a $1B unicorn valuation in 2021.
Yes, Clearcover holds full personal-auto insurance records for its policyholders: vehicle and VIN data, named-driver and household composition, coverage selections and limits, premium and payment history, declarations pages and ID cards, claims files with FNOL submissions, AI-assisted photo damage estimates and payouts, plus driver's license numbers and other regulated PII pulled in during the quote and bind flow.
~10 years old, founded 2016 in Chicago, IL by Kyle Nakatsuji (CEO) and Derek Brigham. Headquartered in Chicago.
No public consumer-facing API, individual policyholders cannot programmatically retrieve their policy, declarations page, billing history, claims status, or documents outside the Clearcover mobile app. Partner APIs (Quote, Lead, Flow, Customer, Policy, SmartLink) are gated to contracted distributors with no public sandbox, OpenAPI/Swagger spec, webhooks, rate-limit documentation, status page, or changelog listed on third-party API directories. Full sourced list under Sources below.
Common alternatives include Progressive, GEICO, State Farm, Allstate, Root Insurance, Lemonade (Car). Graded alternatives appear under "More from the report card" below.
Grades measure one thing: can a customer's engineering team get their own data out programmatically? We check six things (whether a real API exists, how access is gated, data coverage, auth quality, docs and developer experience, and stability) and roll them into a letter grade. Grades get re-verified, and they only move on evidence.
Yes. Supergood maintains an unofficial Clearcover API and MCP server so AI agents and internal tools can read and write Clearcover data. See the Clearcover integration docs at supergood.ai/docs/clearcover-api.