# OTR Clutch vs AIC

The clearest difference is rating: OTR Clutch at 4.8 against AIC's 4.1. OTR Clutch also leads on ratings volume (194 vs 16) and update cadence (every 5 weeks vs every 2 months). AIC's advantage is review sentiment (33% vs 20%). On price, ads, in-app purchases and monetization model there is nothing between them.

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

OTR Clutch holds the better App Store score, 4.8 against 4.1. That said, the two scores are not equally well evidenced: OTR Clutch has 194 ratings behind it against 16, so its average is the more settled of the two. Written reviews complicate that: 20% of OTR Clutch's written reviews are positive against 33% of AIC's, so the app with the better star average is not the one people write more warmly about.

OTR Clutch ships an update every 5 weeks, AIC every 2 months. The most recent releases landed on October 24, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | OTR Clutch | AIC |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (194 ratings)](https://appshunter.io/ios/app/otr-clutch/id6445851199/reviews)** | [4.1 (16 ratings)](https://appshunter.io/ios/app/aic-mobile/id6745966825/reviews) |
| Number of ratings | **194** | 16 |
| Positive reviews | 20.0% of reviews | **33.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 111 MB | 85 MB |
| Requires iOS | 16.4 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [OTR Capital LLC](https://appshunter.io/developer/1031043529) | [AICPolicyHolder](https://appshunter.io/developer/1352351511) |

## What reviewers say

### 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


### AIC

[App page](https://appshunter.io/ios/app/aic-mobile/id6745966825)

Manage your auto insurance policy with ease. Securely pay bills, access ID cards and policy details, view billing history, and contact your agent directly from your device.

**Highlights:** Pay bills securely, Store ID cards offline, View policy details, Access billing history, See upcoming bills, Contact your agent

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is OTR Clutch free?

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

### Is AIC free?

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

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

OTR Clutch is rated higher. OTR Clutch averages 4.8 out of 5 from 194 ratings, while AIC averages 4.1 from 16 ratings.

### Do OTR Clutch or AIC have ads?

Neither OTR Clutch nor AIC shows ads.

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

OTR Clutch ships an update every 5 weeks, and AIC every 2 months. Most recently, OTR Clutch was updated on October 24, 2026 and AIC on October 30, 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.*