Auto Insurance Comparison
Clearcover vs National General
Side-by-side comparison of Clearcover vs National General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Clearcover edges ahead National General in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Clearcover | National General | |
|---|---|---|
| Overall score | 3.70 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| Best for | Clearcover is one of the cleaner digital-native carriers — competitive rates for clean records, well-designed mobile app, fast claims handling | National General is Allstate's non-standard and specialty subsidiary, acquired in 2021 |
| Read full review | Clearcover review → | National General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Clearcover | National General |
|---|---|---|
| Customer experience | 3.60 | 3.40 |
| Coverage breadth | 3.60 | 3.70 |
| Affordability | 3.90 | 3.60 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Clearcover
Full review →Pros
- Competitive rates for clean-record drivers in operating states
- Strong mobile app experience for quoting, policy management, and claims
- Fast claims handling for straightforward incidents
- Backed by venture capital and reinsurance partners
Cons
- Limited human support — designed for digital-first shoppers
- Available in only 23 states
- Less brand recognition and shorter operating history than mainstream carriers
National General
Full review →Pros
- Available in all 50 states for non-standard auto
- Strong specialty lines including RV and motorcycle insurance
- Backed by Allstate financial strength
- Accepts SR-22 and high-risk profiles
Cons
- Customer satisfaction trends below industry averages
- Not competitive for standard-risk drivers
- Coverage menu varies meaningfully by state and risk profile
Coverage at a glance
What each carrier offers in standard policies.
Clearcover
National General
The bottom line
Clearcover
Clearcover is worth a quote if you're comfortable with app-based service and have a clean driving record. For broader needs or those who prefer agent service, mainstream carriers fit better.
Read the full Clearcover reviewNational General
National General fits the non-standard niche or specialty needs (RV, motorcycle). Standard-risk auto shoppers will find better rates and service at mainstream carriers.
Read the full National General reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.