A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jan 13, 2022

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Just What's Essential

  • Inshur offers rideshare coverage to drivers in New York City
  • In order to get Inshur coverage, you must have an Uber login but can drive for any rideshare company
  • Inshur’s rideshare coverage extends to personal use of your vehicle, so you only need one policy

Inshur car insurance is a convenient way to get TLC rideshare coverage in New York City. Coverage is completely digital, saving NYC rideshare drivers time and money.

While you can get affordable car insurance, you should still shop around before you buy Inshur car insurance. Compare multiple companies that offer rideshare coverage in NYC to find the best deal for you.

Continue reading our Inshur car insurance review to learn more. Enter your ZIP code before you begin to compare free car insurance quotes from companies in your area.

What is the Inshur car insurance company?

Although Inshur is based in the U.K., it only offers New York City car insurance to rideshare drivers. Inshur is completely digital, and drivers must use the Inshur app for just about everything. Not only can you get an Inshur car insurance quote, but you can also access your policy information and make payments.

In order to access the Inshur app, you must have an Uber login, although you can work for any rideshare company and qualify for coverage. You must also be at least 21 years old and have a vehicle with no more than seven seats to get coverage.

Inshur not only meets New York state car insurance requirements, but it also meets requirements set by the New York City Taxi & Limousine Commission (TLC). The TLC regulates all for-hire transportation in the city, including how old the vehicle can be and what state of repair it must be in.

While many car insurance companies offer TLC coverage, Inshur is the only 100% digital company that lets drivers handle everything quickly and conveniently online.

What are Inshur’s car insurance rates?

Inshur car insurance rates will vary by the driver but usually range between $250-$830 a month. Your personal factors such as age and driving record are used to calculate car insurance rates.

Your driving record indicates how risky you will be to insure. This is even more important when you consider that rideshare drivers spend much more time on the road than other drivers.

This table shows average annual rates based on your driving record from some of the top insurance companies out there. It will show you just how much your driving record affects your car insurance rates.

Average Annual Car Insurance Rates by Driving History
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding Violation
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
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In addition to the typical factors used to calculate rates, how long you’ve been driving for a rideshare and your police record are just a few other things looked at by the TLC to determine your rates.

Once your rates are set, you can pay for your coverage with either a debit or credit card. You can also choose to either pay your bill completely or break it into payments.

If you choose payments, you will need to pay a 15%-30% deposit. The remaining balance is broken up into 10 monthly payments.

What car insurance coverages does Inshur offer?

Inshur only offers rideshare coverage that meets the TLC requirements. However, your policy will extend coverage to personal use of your vehicle, meaning you don’t have to get multiple policies to use your car.

This table breaks down car insurance requirements mandated by the TLC.

TLC Car Insurance Coverage
CoverageMinimum Coverage AmountRequired?
Liability coverage per person$100,000Mandatory
Liability coverage per person$300,000Mandatory
Personal injury protection$200,000Mandatory
Property damage$10,000Mandatory
Collision protectionOptionalOptional
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TLC coverage requirements do not include coverage for damages to your vehicle. Since your car is your livelihood, consider adding collision and comprehensive coverage as well as the TLC minimum coverage.

Collision insurance pays for damages to your vehicle from an accident. On the other hand, comprehensive insurance pays for damages to your car from an incident other than an accident, such as theft, vandalism, fire, or flood. You need both to be fully covered for damages.

Keep in mind that if you lease your car or have a loan, you may not have a choice in the types of coverage you carry. Most lenders will require you to carry full coverage to protect their investment.

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How do you cancel Inshur car insurance?

Inshur’s cancellation policy isn’t available, but there are some basic steps you can follow to make switching car insurance companies as easy as possible.

Steps to canceling car insurance include:

  • Find out when your policy expires. Although not all car insurance companies charge a cancellation fee, some do. If you are near the end of your policy, it may be cheaper to just wait and switch at the end.
  • Shop around for new coverage. Each auto insurance company will charge a different rate, so compare multiple companies to see who can offer the best rates.
  • Get your new policy in place.
  • Let Inshur know you are leaving. You will need to know your policy number and when you want your coverage to end. Make sure you end your Inshur auto insurance at least a day or two after your new coverage goes into effect to avoid a lapse in coverage.

Allowing a lapse in car insurance can lead to fines, a driver’s license suspension, and having your car impounded. Not to mention, you will see much higher rates when you do get car insurance again.

How do you file a car insurance claim with Inshur?

Filing an accident claim with Inshur is easy. Although Inshur requires drivers to do most things through the app, you can’t actually file a claim that way. However, you can chat with customer service through the app to get the claims process started.

Having a Nexar dashcam can also make your claims process easier. If your dashcam is registered with Inshur, it can automatically send a video of the accident. This can kickstart your claims process since Inshur will already know what happened.

Inshur boasts that claims are completed within 10 days, but the claims process will be different for every accident.

What are the Inshur car insurance ratings?

Ratings for Inshur are as important as the rates and convenience offered. You need to know that your auto insurance company is trustworthy and will be there for you when you need it.

While A.M. Best rates companies on financial stability, Inshur hasn’t been around long enough to earn a rating. However, its underwrite Clear Blue earned an A- rating, showing an excellent ability to meet financial commitments.

Inshur was able to earn a customer interaction rating from the Better Business Bureau (BBB). However, Inshur received an F rating, mostly because it has not responded to all customer complaints.

The Inshur app rating is also important since drivers depend on it for account access and for insurance-related needs. The Inshur app received a 3.3/5 in the Google Play Store and a 4.7/5 in the Apple App Store.

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Inshur Car Insurance: The Bottom Line

Only TLC-certified rideshare drivers in New York City are covered by Inshur. Each driver’s rate will be different and will be determined by his or her age, driving history, and other factors.

Inshur is a fully digital company, and drivers are required to utilize the app for everything, including payment. Although this is useful, some users have reported issues with the app and are unable to access their policies.

You can get affordable Inshur car insurance based on your factors, and the company makes getting and using the coverage very easy. However, Inshur BBB ratings leave a lot to be desired.

Shop around before you settle on any car insurance. Compare rates and ratings to find the best company to meet your needs.

We hope you’ve learned all you need to know about Inshur auto insurance. Before you go, enter your ZIP code to compare car insurance quotes from companies near you for free.