Inshur Car Insurance Review (2022)

Inshur car 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 app, which requires an Uber login. TLC and New York state coverage standards are met by Inshur auto insurance.

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UPDATED: Dec 20, 2021

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  • Inshur car insurance is only available for rideshare drivers in New York City
  • Rates are between $250-$830 per month based on your personal factors
  • Inshur received an F rating with the BBB

If you drive for a rideshare company, you need special insurance to cover you while you’re working. Inshur offers digital TLC rideshare auto insurance in New York City. While other companies offer similar coverage, Inshur car insurance is much quicker and more convenient.

Shop around before you buy Inshur car insurance. Compare multiple companies to find the best coverage with the lowest rates for rideshare drivers.

Keep reading our Inshur car insurance review to learn more about the company. Enter your ZIP code before you begin to compare free car insurance quotes from nearby companies.

What is Inshur car insurance?

Although Inshur is based in the U.K., it offers rideshare coverage in New York City. Coverage is 100% digital, and Inshur depends exclusively on its app for all needs. In fact, you can only get an Inshur car insurance quote through the app.

Inshur underwrites policies directly in the United Kingdom and the Netherlands, but in New York City Clear Blue auto insurance underwrites Inshur coverage.

Only New York City drivers at least 21 years old with Uber driver login credentials and a vehicle with no more than seven seats are eligible for Inshur rideshare insurance.

Despite the fact that drivers must have an Uber account, they can also drive for other ridesharing companies such as Lyft.

Drivers must, however, meet all of the New York Taxi & Limousine Commission (TLC) vehicle requirements, which include having a clean car with no cosmetic damage and being model 2006 or newer.

Inshur is the first car insurance company in New York to offer TLC insurance online, allowing drivers to avoid the lengthy process of getting coverage.

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What are Inshur car insurance rates?

Inshur car insurance rates will vary by driver, but rates usually range between $250-$830 a month.

Like traditional car insurance companies, Inshur looks at the usual factors that affect rates like your age and driving record.

To give you an idea of how much your driving history affects your rates, take a look at this table that shows average annual rates from top companies.

Average Annual Car Insurance Rates Based on 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 usual factors, Inshur also looks at other information for rideshare rates. How long you’ve been a driver, any additional training, and your policy history are examples of what is used to calculate TLC rates.

Although many companies offer auto insurance discounts to help drivers save money, Inshur doesn’t have any discounts available. However, drivers can get a $25 gift card for referring other drivers.

Drivers can also pay for their coverage with a credit or debit card, and they can either pay the total upfront or make payments.

If you choose to make payments, and 15%-30% deposit is required. Then, the balance is broken up into 10 monthly payments.

What car insurance coverages does Inshur offer?

Inshur only offers rideshare coverage. That coverage meets all of the TLC requirements as well as requirements from the state of New York.

This table details the minimum TLC coverage required to drive for a rideshare company in New York City.

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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These minimum requirements don’t include any coverage to pay for damages to your vehicle. You will need to add collision and comprehensive coverage for your vehicle to be repaired.

Collision covers damages to your car from an accident. On the other hand, comprehensive covers damage to your car from damage other than an accident, such as fire, theft, and vandalism.

If you are leasing your vehicle or have a car loan, you probably don’t have the option of forgoing collision and comprehensive coverages. Most lenders require you to carry full coverage car insurance.

It’s also a good idea to have the extra coverages if your car is new or expensive. Repair and replacement costs are much higher on those vehicles, and you may not be able to pay for damages yourself.

Since your vehicle is also a source of income, it makes sense to have it fully covered to reduce your costs and downtime.

How do you cancel Inshur car insurance?

Inshur does not list specifics on how to cancel coverage or if there is a fee if you cancel before your policy expires.

However, if you do want to cancel Inshur auto insurance, you will want to have your new coverage in place before your Inshur car insurance ends. Otherwise, you will face a lapse in coverage which can lead to fines and your driver’s license being suspended.

Avoid these costly mistakes by starting your new coverage a day or two before your Inshur coverage ends.

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How do you file a car insurance claim with Inshur?

While Inshur uses the app for everything, it might surprise you to learn you can’t file your accident claim through the app. You can, however, chat with customer service through the app to start your claims process.

Another way to begin the claims process is with your dashcam. If you have a Nexar dashcam, the video of the accident can be automatically uploaded to Inshur. This cuts down on the time it takes to get your claim started.

Inshur’s goal is to have a claim completed in about a week, but timing will vary based on the type of accident.

It’s also a good idea to carefully consider whether or not you should file a claim. Filing a claim can raise your insurance rates significantly, so you might spend less money by paying for the repairs yourself.

What are the Inshur car insurance ratings?

When it comes to Inshur ratings, the company has a lot of room for improvement.

Inshur is too new to the insurance scene to earn a financial stability rating from A.M. Best. However, its underwrite Clear Blue received an A- rating, showing an excellent ability to meet financial obligations.

The Better Business Bureau (BBB) rated Inshur on customer interaction. Unfortunately, Inshur earned an F rating, mainly due to not responding to customer complaints.

How well the Inshur app rates is also important since drivers have to use the app for just about everything. This is another area where ratings are inconsistent.

Users in the Google Play Store gave the app a 3.3/5 rating, but Apple users gave a 4.7/5 rating.

Inshur Car Insurance: The Bottom Line

Rideshare coverage from Inshur is quick to get and convenient to use. However, Inshur’s ratings aren’t great so carefully consider if Inshur is right for you.

Inshur meets all of the NY TLC requirements, and coverage even extends to personal use of your vehicle. Although rates will vary, Inshur does let you either pay in full or make payments with a deposit.

Although some drivers can find affordable Inshur car insurance, ratings and availability mean this won’t be right for everyone.

Now that you know about Inshur auto insurance shop around to find the company that best meets your needs. Enter your ZIP code now to compare quotes from car insurance companies in your area for free.

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