Clutch Insurance

The Car Insurance Guide

Overall Personalized Rating: 4.2/5 (Very Good)

Summary

Clutch Insurance is a regional insurance carrier operating in some big states like FL and TX. Clutch Insurance is focused on being a tireless advocate for great insurance pricing.

Key Benefits

Operates in big states servicing large portions of the US population
Developed a comparison shopping application for online buyers

Ratings Summary

Ratings Highlights

Overall Rating

Clutch Insurance operates in just a few states but uses technology to provide the best possible rates, service and user experience possible.

Pricing

Our auto Insurance agent respondents thought Clutch Insurance offered very competitive rates, particularly when it came to consumers that other insurance companies regard as risky, e.g., young drivers or drivers with accidents or tickets.

Handling Claims

Our auto Insurance agent respondents thought that handling claims was not Clutch Insurance's strong suit. If you have options and are very concerned with how claims are handled, you may want to explore other auto insurance companies.

Uninsured Drivers

Our auto Insurance agent respondents thought Clutch Insurance was the top choice when it came to uninsured drivers. Clutch Insurance provides uninsured drivers with competitively priced options when many other insurance companies won't provide a quote or at least a competitive quote.

Young Drivers

Our auto Insurance agent respondents thought Clutch Insurance was very competitive when it came to young drivers. Clutch Insurance provides young drivers with competitively priced options when many other insurance companies won't provide a quote or at least a competitive quote.

Bundling Auto with Other Insurance Types

Our auto insurance agent survey respondents ranked Clutch Insurance near the bottom when it came to bundled insurance products, like Auto and Home. For consumers seeking a one stop shop for all their insurance needs, other insurance companies are likely better options.

Drivers with Tickets/Accidents

If you have a challenged driving record, Clutch Insurance may be a great company to work with. Our auto insurance agent survey respondents ranked Clutch Insurance near the top for providing a good offering for consumers regarded as driving risks by other insurance companies.

Premium Driver

If you are a driver with a clean record and strong credit, other insurance companies are likely going to be a better match than Direct Auto. Direct Auto usually focuses on drivers who have trouble getting competitive offerings from the major US auto insurance companies, which is not this consumer segment.

Company Background

The company distributes its products through independent agents in Texas and Florida. It was founded in 1990 and is based in Miami, Florida and has an office in Austin, Texas.

The Car Insurance Guide's Reviews Methodology

The Car Insurance Guide uses a proprietary algorithm to evaluate the car insurance options presented. Factors reviewed and rated include pricing, handling of claims, age of driver, bundling, and driver type. These factors are evaluated and scored to provide an overall score for the carrier as well as being individually assessed to provide a detailed review of the fit of the carrier to the driver. The data comes from research The Car Insurance Guide conducts as an invite-only annual survey and from interviews with car insurance agents. Insights from experts, those whose job it is to understand and recommend the best insurance companies for their clients, is invaluable. Use of The Car Insurance Guide's 2025 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.