Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jan 13, 2022

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Company Details
President: Dan Bratshpis
Address: 315 W 36th St
City: New York
State: NY
ZIP Code: 10018
Phone Number: 1-866-446-7487
Toll Free: No Toll Free Number Known
Year Founded: 2016
AM Best Rating: N/A
Company Rating 0 (0 reviews)

Inshur auto insurance is only available to New York City rideshare drivers. Although there are many options available, Inshur offers the most convenient digital coverage rideshare auto insurance in NYC.

While most insurance companies require drivers to get TLC coverage in person, Inshur lets drivers do everything from getting a quote to accessing their policies through the app. This saves drivers time and money.

However, shop around before you settle on an auto insurance company. Every company will offer different rates, so look at multiple companies to see who can offer you the best deal.

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

What is Inshur auto insurance?

Inshur is a totally digital auto insurance company that requires drivers to handle all insurance-related needs through the app. In fact, you can only get Inshur auto insurance quotes and access your policy information through the Inshur app.

Only New York City drivers over 21 with Uber driver login credentials and a vehicle with no more than seven seats are eligible for Inshur ridesharing insurance.

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

Inshur meets all of the requirements of the New York City Taxi & Limousine Commission, which regulates all for-hire transportation in the city. These requirements also include having a vehicle that is clean, with no cosmetic damage, and be model 2006 or newer.

Convenience is one of the major draws for Inshur. Inshur is the first auto insurance company in New York to offer TLC insurance online, allowing drivers to bypass the lengthy application process.

What are Inshur’s auto insurance rates?

While convenience is a major factor in choosing Inshur, rates are also very important.

How much is rideshare insurance from Inshur? Rates will vary by driver but usually range between $250-$830 a month.

Your personal factors such as age and driving record are used to calculate your car insurance rates. Although many factors are used, your driving record is by far the most important. It shows an auto insurance company how risky you are to insure.

This is especially true for rideshare drivers who spend a significant amount of time on the road.

To get an idea of just how important your driving record is, this table shows you average annual rates from top insurance companies. You may be surprised by the difference accidents, tickets, and DUIs can make.

Average Annual Auto Insurance Rates Based on Driving Record
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding Violation
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
GEICO$2,145.96$3,192.77$4,875.87$2,645.43
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
USAA$1,933.68$2,516.24$3,506.03$2,193.25
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Other factors that will affect your TLC and Inshur car insurance rates include your criminal record and how long you’ve been driving for a rideshare company.

For example, drivers with clean criminal and driving records who are older and have been driving with a rideshare company for a while will see lower rates.

Once your rates are determined, you can pay for your coverage with either a debit or credit card. You can also choose to pay in installments.

If you choose to make payments, you will have to pay a 15%-30% deposit. The remaining amount will be divided into 10 monthly installments.

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What auto insurance coverages does Inshur offer?

Inshur only offers rideshare coverage, but it does extend to personal use of your car. This means you don’t need multiple policies to use your vehicle as you wish.

Inshur also meets all TLC coverage requirements. This table shows you those minimum requirements that rideshare drivers in New York city must meet.

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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You may notice that these coverages do not extend to damages to your vehicle. Consider adding collision and comprehensive insurance to your policy so that your car is covered as well.

Collision helps pay for damages to your car from an accident, and comprehensive helps pay for damages not from an accident, such as vandalism, fire, theft, and floods.

Since your vehicle is how you make money, it makes sense that you fully cover your investment.

How do you file an auto insurance claim with Inshur?

It’s simple to file a claim with Inshur. Although drivers cannot file a claim immediately using the Inshur app, they can contact customer support to begin the process.

Drivers who have a Nexar dashcam registered with Inshur can see an even easier claims process because the dashcam can automatically upload accident videos. This expedites the claims process, and Inshur may even contact the driver first to initiate a claim.

The claims process is expected to take 7-10 days, and Inshur intends to allow drivers to file claims directly through the app at some point.

What are the Inshur auto insurance ratings?

Because the Inshur car insurance company hasn’t been active in the insurance market in the United States for very long, its ratings are limited.

Financial stability is rated by A.M. Best. Inshur does not have an A.M. Best ranking because it is still too new. Clear Blue, the company’s underwriting arm, has an A- rating from A.M. Best, indicating an excellent ability to meet its financial responsibilities.

Companies are rated by the Better Business Bureau (BBB) on how successfully they connect with their customers. Inshur is unaccredited and received an F rating, owing to its failure to react to all concerns.

App ratings are extremely significant in Inshur since users must accomplish everything through the app. The Google Play Store gave Inshur a 3.3/5 rating, while the Apple App Store gave it a 4.7/5.

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Inshur Auto Insurance: The Bottom Line

Inshur only offers rideshare coverage in New York City, and the coverage can extend to personal use of your vehicle. Also, Inshur meets all of the TLC coverage requirements, but drivers are encouraged to add collision and comprehensive insurance for full coverage.

Although drivers can get convenient and affordable Inshur auto insurance, the company and app ratings can be concerning.

Shop around before you buy Inshur auto insurance. Compare rates and ratings from multiple companies to find your best deal.

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