Inshur Auto Insurance Review [2024]

Inshur Auto Insurance caters exclusively to rideshare drivers in New York City, offering a convenient digital platform for obtaining coverage through its dedicated app, while providing a streamlined process for quotes, policy management, and compliance with TLC requirements.

UPDATED: Feb 23, 2024Fact Checked

Maria Hanson

Insurance and Finance Writer

Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability. Maria has expanded her scope of expertise to home, health, and life i...

Insurance and Finance Writer

Jimmy McMillan

Licensed Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...

Licensed Insurance Agent

UPDATED: Feb 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Feb 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 23, 2024Fact Checked
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Inshur Auto Insurance

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A-

Complaint level:

Low

Pros

  • User-Friendly App
  • Affordable Rates
  • Fast Claims Processing
  • Great Customer Service

Cons

  • Limited Availability
  • Limited Coverage Options
  • Lack of Information
  • Limited Discounts

Final Verdict: Review of Inshur Auto Insurance

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.

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 You Should Know About Inshur

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.

Read More: What are the Lyft vehicle requirements?

Inshur Insurance Coverage Options

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.

Read more: Best Auto Insurance for Rideshare Drivers

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

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.

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Inshur Insurance Rates Breakdown

Driver ProfileInshurNational Average
Clean Record$122$119
1+ Ticket$150$147
1+ Accident$176$173
DUI$211$209
Poor Credit$210$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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

Company Average Annual Rates with Clean Record Average Annual Rates with 1 Accident Average Annual Rates with 1 DUI Average 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

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.

Inshur Discounts Available

DiscountInshur
Anti Theft7%
Good Student14%
Low Mileage11%
Paperless9%
Safe Driver6%
Senior Driver4%

Inshur provides various discounts to help rideshare drivers save on their insurance premiums. These discounts are designed to reward responsible driving behavior and promote overall safety on the road. Here are some of the notable discounts offered by Inshur:

  • Safe Driver Discount: Rewards drivers with a clean driving record, free from accidents or traffic violations.
  • Multi-Policy Discount: Offers a discount to policyholders who bundle their rideshare insurance with other insurance products, such as homeowners or renters insurance.
  • Vehicle Safety Features Discount: Provides savings for drivers whose vehicles are equipped with advanced safety features, such as anti-lock brakes, airbags, and electronic stability control.
  • Annual Mileage Discount: Rewards drivers who maintain lower annual mileage, reflecting a reduced risk of accidents associated with less time spent on the road.
  • Good Student Discount: Extends discounts to student drivers who demonstrate strong academic performance, encouraging responsible behavior both on and off the road.
  • Payment Discounts: Offers savings for policyholders who opt for convenient payment methods, such as automatic electronic fund transfers or annual lump-sum payments.
  • Claims-Free Discount: Rewards drivers who have a history of maintaining a claims-free record, promoting safe driving habits.
  • Affiliation Discounts: Provides discounts to drivers affiliated with certain organizations or groups, fostering partnerships and community engagement.

Inshur’s range of discounts reflects its commitment to making rideshare insurance more affordable while encouraging drivers to prioritize safety and responsible driving practices. It’s advisable for policyholders to inquire about available discounts to maximize their potential savings.

How Inshur Ranks Among Providers

Inshur Auto Insurance operates in a competitive landscape with several key players in the auto insurance industry, particularly in the rideshare coverage niche. Some of its main competitors include:

  • Geico Rideshare Insurance: Geico is a well-established insurance provider that offers rideshare insurance to drivers. Geico’s extensive experience in the industry and nationwide presence make it a formidable competitor.
  • Progressive Rideshare Insurance: Progressive is known for its innovative approach to insurance and offers rideshare coverage to drivers. The company’s wide range of insurance products and strong marketing presence make it a significant player in the market.
  • Allstate Rideshare Insurance: Allstate is a prominent insurance company that provides rideshare coverage for drivers. With a comprehensive suite of insurance offerings, Allstate competes by leveraging its brand recognition and customer trust.
  • State Farm Rideshare Insurance: State Farm, one of the largest auto insurers in the U.S., offers rideshare insurance options. Its extensive network of agents and a long-standing presence in the market contribute to its competitiveness.
  • USAA Rideshare Insurance: USAA specializes in serving members of the military and their families. It provides rideshare insurance options, emphasizing its commitment to understanding the unique needs of its target demographic.
  • Lyft Insurance and Uber Insurance Programs: While not traditional insurance companies, rideshare platforms like Lyft and Uber also offer insurance coverage for their drivers. These in-house programs are competitors as they directly address the insurance needs of rideshare drivers.

In this competitive landscape, factors such as pricing, coverage options, customer service, and technological innovations in the insurance process play crucial roles in distinguishing one company from another.

Inshur Auto Insurance Claims Process

Ease of Filing a Claim

Inshur Auto Insurance simplifies the claims process for policyholders, offering multiple channels for filing a claim. Drivers can initiate a claim through the user-friendly mobile app or by contacting customer support over the phone. The online platform also facilitates easy claim submissions, providing flexibility for users to choose the method that best suits their preferences.

Average Claim Processing Time

Inshur is committed to a streamlined claims process, aiming for efficiency in handling claims. On average, the company anticipates a 7-10 day turnaround time for processing claims. This duration takes into account the necessary investigations and assessments to ensure fair and prompt resolutions.

Customer Feedback on Claim Resolutions and Payouts

While customer feedback on claim resolutions is essential, Inshur’s reputation for responsive and fair settlements is noteworthy. Positive testimonials highlight the company’s commitment to addressing claims promptly and ensuring satisfactory payouts. Customer satisfaction with the resolution process contributes to Inshur’s standing in the competitive rideshare insurance market.

Inshur Auto Insurance Digital and Technological Features

Mobile App Features and Functionality

Inshur’s mobile app stands out for its comprehensive features tailored to rideshare drivers. The app not only allows users to obtain quotes and manage policies but also offers a user-friendly interface for initiating and tracking claims.

Additionally, features like document submission, policy updates, and real-time support contribute to the app’s functionality, enhancing the overall user experience.

Online Account Management Capabilities

The online account management system provided by Inshur empowers drivers with convenient tools to oversee their insurance policies. Policyholders can access and update their information, review coverage details, and make necessary adjustments through the secure online portal.

Digital Tools and Resources

Inshur invests in digital tools and resources to enhance driver engagement and education. The company’s online resources include informational guides, FAQs, and educational materials to help users better understand their coverage.

These digital tools contribute to an informed and empowered user base, fostering a sense of confidence in managing their insurance needs through Inshur’s digital platforms.

Frequently Asked Questions

What is Inshur Auto Insurance?

Inshur Auto Insurance is a digital insurance platform that offers coverage specifically for rideshare drivers, such as those working for companies like Uber and Lyft. It provides an easy and convenient way for rideshare drivers to obtain and manage their auto insurance policies.

How does Inshur Auto Insurance work?

Inshur Auto Insurance operates through a mobile app, allowing rideshare drivers to get a quote, purchase a policy, and manage their insurance coverage directly from their smartphones. The app utilizes advanced technology to streamline the insurance process and provide real-time support and assistance to policyholders.

Is Inshur Auto Insurance available in all locations?

Inshur Auto Insurance is currently available in select locations. While the company is expanding its coverage area, it is best to check the availability of Inshur in your specific location by visiting their website or contacting their customer support.

What coverage options does Inshur Auto Insurance offer?

Inshur Auto Insurance provides rideshare drivers with comprehensive coverage options tailored to their specific needs. This includes liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and more. The specific coverage options may vary based on your location and local regulations.

Can I purchase Inshur Auto Insurance if I am not a rideshare driver?

Inshur Auto Insurance primarily caters to rideshare drivers, so if you do not engage in ridesharing activities, you may not be eligible for coverage through Inshur. However, it is always best to check with the company directly to understand the full range of their offerings and any potential eligibility requirements.

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Maria Hanson

Insurance and Finance Writer

Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability. Maria has expanded her scope of expertise to home, health, and life i...

Insurance and Finance Writer

Jimmy McMillan

Licensed Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption