# InsurLink vs OTR Clutch

InsurLink and OTR Clutch both sit at 4.9 stars, but that hides the real split: 100% of InsurLink's written reviews are positive against 20% of OTR Clutch's. InsurLink also leads on iOS requirement (11.0 vs 16.4). OTR Clutch's advantage is ratings volume (194 vs 12). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.9 for InsurLink against 4.8 for OTR Clutch. That said, the two scores are not equally well evidenced: OTR Clutch has 194 ratings behind it against 12, so its average is the more settled of the two. Written reviews are what separate them: 100% of InsurLink's written reviews are positive against 20% of OTR Clutch's.

InsurLink ships an update every 2 months, OTR Clutch every 5 weeks. The most recent releases landed on October 20, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | InsurLink | OTR Clutch |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (12 ratings)](https://appshunter.io/ios/app/insurlink/id1462689482/reviews)** | [4.8 (194 ratings)](https://appshunter.io/ios/app/otr-clutch/id6445851199/reviews) |
| Number of ratings | 12 | **194** |
| Positive reviews | **100.0% of reviews** | 20.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 5 weeks** |
| Monetization | Free | Free |
| Size | 28 MB | 111 MB |
| Requires iOS | **11.0** | 16.4 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Vertafore Inc.](https://appshunter.io/developer/655755601) | [OTR Capital LLC](https://appshunter.io/developer/1031043529) |

## What reviewers say

### InsurLink

[App page](https://appshunter.io/ios/app/insurlink/id1462689482)

Access your insurance policy details, ID cards, and important documents on the go. Request policy changes and manage your team's information with secure login options.

**Highlights:** Auto ID Cards, Policy Details, Claims Access, Document Management, Request Policy Changes, Face/Touch ID Login, Offline Auto ID

**Features:** macOS Compatibility

**In-app purchases:** none


### OTR Clutch

[App page](https://appshunter.io/ios/app/otr-clutch/id6445851199)

This app offers an online banking solution tailored for trucking companies, providing unlimited cash back on debit purchases and helping to build business credit for financing options. It's a secure, FDIC-insured platform with no hidden fees or minimums.

**Highlights:** Unlimited cash back on debit purchases, Build business credit, Access to financing options, FDIC-insured banking, No fees, minimums, or credit checks, Integrates with OTR Solutions services

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is InsurLink free?

InsurLink is free to download, with no in-app purchases.

### Is OTR Clutch free?

OTR Clutch is free to download, with no in-app purchases.

### Which has better reviews, InsurLink or OTR Clutch?

InsurLink is rated higher. InsurLink averages 4.9 out of 5 from 12 ratings, while OTR Clutch averages 4.8 from 194 ratings.

### Do InsurLink or OTR Clutch have ads?

Neither InsurLink nor OTR Clutch shows ads.

### Which is updated more often, InsurLink or OTR Clutch?

InsurLink ships an update every 2 months, and OTR Clutch every 5 weeks. Most recently, InsurLink was updated on October 20, 2026 and OTR Clutch on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*