Inshur Auto Insurance Review (2023)

Inshur auto insurance is exclusively available online to New York City rideshare drivers. Rates are based on personal characteristics such as your driving record and can start as low as $250 per month. Although all rideshare drivers are covered by Inshur, everything from getting quotes to paying your bill must be done through the Inshur app, which requires an Uber login. Both TLC and New York state coverage standards are met by Inshur car insurance.

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Oct 2, 2022

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Company Details
Address: 315 W36th St
City: New York
State: NY
ZIP Code: 10018
Phone Number: 1-866-446-7487
Year Founded: 2016
AM Best Rating: N/A
Company Rating 0 (0 reviews)

Inshur auto insurance is only available to rideshare drivers in New York City, and it meets all auto insurance requirements for drivers in the city.

Inshur is a new player in auto insurance and offers entirely digital access. Everything is done through the Inshur app, including getting a quote.

While Inshur isn’t rated well with the BBB, it boasts speed and convenience when compared to other companies offering rideshare coverage in NYC.

Drivers should shop around before buying Inshur auto insurance. Compare multiple companies to make sure you are getting your best deal.

Keep reading our Inshur auto insurance review to learn more. Enter your ZIP code now to compare free auto insurance quotes from companies in your area.

What is Inshur auto insurance?

Inshur only offers rideshare insurance to drivers in New York City. While Inshur is based in the U.K., coverage in the U.S. is available, but only in New York.

Insur is also completely digital. This means everything is done through the app, from Insur auto insurance quotes to managing your policy.

In order to sign up for the Inshur app, drivers must have an Uber login. This is a little confusing since Inshur offers coverage to all rideshare drivers, not just ones who drive for Uber.

Drivers must also be at least 21 years old and have a vehicle with no more than seven seats in order to get Inshur.

Coverage must also meet the New York Taxi & Limousine Commission (TLC) requirements. The TLC regulates all for-hire transportation in NYC, including rideshare.

Examples of TLC requirements include having a vehicle with no branding, and that is a model 2006 or newer.

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What are Inshur’s auto insurance rates?

Inshur auto insurance rates vary by the driver but usually fall between $250-$833 a month.

Inshur uses the usual factors that affect auto insurance to determine your rates. Your age, driving record, and ZIP code are a few of the factors that are combined to calculate your rates.

Since your driving record is perhaps the most important factor in what you pay for auto insurance, we will look at some sample rates reflecting that.

This table shows average annual rates for drivers based on driving records. Keep in mind these are just averages, and rates will vary by the driver.

Average Annual Auto 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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A clean driving record will get you much lower auto insurance rates, whether for personal or rideshare coverage.

In addition to your driving record, TLC insurance also looks at your police record, the number of years as a commercial driver, additional training, and other factors to determine your rates.

Drivers can choose to pay for their Inshur coverage upfront or by making 10 monthly payments with a down payment of 15%-30%.

It should also be noted that Inshur is one of the few auto insurance companies that don’t offer discounts. However, drivers can get a $25 gift card for referrals.

What auto insurance coverages does Inshur offer?

Auto insurance from Inshur meets the TLC coverage requirements, as well as New York state requirements for auto insurance.

This table outlines the coverages required by the TLC.

TLC Auto 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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Despite the extensive coverage required by the TLC, there is no requirement for coverage that protects your vehicle. Consider adding collision and comprehensive coverage to your Inshur policy.

Collision insurance covers damages to your vehicle that occur in an accident, and comprehensive insurance covers damages from other things like fire, theft, or vandalism.

Since Inshur auto insurance will cover personal use of your vehicle, you don’t need additional coverage. However, you want to make sure your vehicle is fully covered so that you don’t lose money if you are in an accident.

How do you cancel Inshur auto insurance?

While Inshur doesn’t give specific cancelation instructions, there are some basic steps to follow when canceling your Inshur auto insurance.

Steps to canceling Inshur auto insurance:

  • Find out when your Inshur policy ends. If the end date is coming soon, it may be easier to switch when your policy expires.
  • Shop around for new coverage. There are many companies that offer TLC insurance, but shopping from them can take time.
  • Finalize your new auto insurance. Make sure it begins a day or two before the Inshur policy ends.
  • Let Inshur know you’re leaving. Let them know the date you want your policy to end, and follow up to see if you are due a refund.

It’s very important that you have new coverage in place before you cancel your Inshur policy. A lapse in auto insurance can cause a lot of problems, including a possible driver’s license suspension and fines.

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How do you file an auto insurance claim with Inshur?

Even though Inshur does everything through the app, you can’t file a claim there. You have to call customer service to start the claims process.

Drivers with a Nexar dashcam may find the claim started before they even call. You can choose to have Nexar automatically upload accident recordings to Inshur, and Inshur may reach out to you to get the ball rolling.

Either way, the claims process is reported to only take 7-10 days to complete.

You should also think twice before filing a minor auto insurance claim. Since your rates can increase from a claim, it may be cheaper for you to pay for damages yourself.

What are the Inshur auto insurance ratings?

There are several different TLC insurers to choose from, so consider ratings as well as rates when picking an auto insurance company.

The Inshur auto insurance company hasn’t been around long enough to earn a rating from A.M. Best on financial stability. However, Inshur’s underwriter Clear Blue received an A- rating which shows excellent financial standing.

Inshur has been able to earn a rating from the Better Business Bureau (BBB) for customer interaction. Unfortunately, Inshur received an F rating, mainly for failing to respond to customer complaints.

Because Inshur depends heavily on its app, how well the app performs is also very important. However, the Inshur app only received a 3.3/5 rating in the Google Play Store. It did better in the Apple App Store and scored 4.7/5.

Inshur Auto Insurance: The Bottom Line

Inshur exclusively offers rideshare coverage to drivers in New York City. While it meets all TLC requirements, it does have low BBB ratings.

Inshur requires drivers to use its app for everything, and many drivers find affordable Inshur auto insurance along with convenience.

Compare rates and ratings before you pick a car insurance company. Every company will offer drivers different rates, so shop around.

Now that you know about Inshur auto insurance, you’re ready to look for rideshare coverage. Enter your ZIP code to compare quotes from car insurance companies near you for free.

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