Inshur Auto Insurance Review [2023]
Only rideshare drivers in New York City are covered by Inshur auto insurance. The cost of Inshur car insurance varies depending on the driver, but it can be as little as $250 per month. Inshur is an online-only company that covers all rideshare drivers, but to use the app, which does everything from providing rates to granting account access, you must have an Uber login. Despite the fact that Inshur provides insurance in the U.K. and the Netherlands, it currently solely covers New York.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Apr 29, 2023
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: Apr 29, 2023
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.
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Inshur Auto Insurance
Average monthly rate for good drivers:
N/AA.M. Best rating:
A-Complaint level:
LowPros
- User-Friendly App: Inshur has an easy-to-use mobile app that allows customers to get quotes, purchase policies, and file claims all in one place.
- Affordable Rates: Inshur is known for providing competitive rates, making it a great option for those on a budget.
- Fast Claims Processing: Inshur aims to process claims as quickly as possible, with some claims being processed in as little as 24 hours.
- Great Customer Service: Inshur has a dedicated customer service team that is available to help with any questions or concerns that customers may have.
Cons
- Limited Availability: Inshur is currently only available in a few cities in the United States, which can be limiting for some customers.
- Limited Coverage Options: Inshur only offers liability coverage, which means that customers will need to purchase additional coverage from another provider if they want more comprehensive coverage.
- Lack of Information: Inshur’s website and app are somewhat limited in terms of the information provided, which can make it difficult for customers to fully understand their coverage options.
- Limited Discounts: Inshur does not offer as many discounts as some other providers, which can be a drawback for those who are looking to save money on their auto insurance premiums.
The Bottom Line
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.
Is Inshur a Good Choice?
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 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.
Inshur 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.
| 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.
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Inshur 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.
| Coverage | Minimum Coverage Amount | Required? |
|---|---|---|
| Liability coverage per person | $100,000 | Mandatory |
| Liability coverage per person | $300,000 | Mandatory |
| Personal injury protection | $200,000 | Mandatory |
| Property damage | $10,000 | Mandatory |
| Collision protection | Optional | Optional |
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.
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.
Frequently Asked Questions
What is Inshur Auto Insurance?
Inshur is a mobile-based auto insurance company that allows users to purchase and manage their auto insurance policies through their mobile app.
Where is Inshur Auto Insurance available?
Inshur is currently available in select cities in the United States, including New York City, Jersey City, and Philadelphia.
What types of coverage does Inshur Auto Insurance offer?
Inshur only offers liability coverage, which covers damage or injury that the policyholder causes to others in an accident.
How do I get a quote from Inshur Auto Insurance?
To get a quote, simply download the Inshur app and enter your information. Inshur will provide you with a personalized quote based on your driving record and other factors.
How do I file a claim with Inshur Auto Insurance?
To file a claim, simply open the Inshur app and submit your claim details. Inshur’s claims team will then review your claim and provide you with updates on its status.
What payment options does Inshur Auto Insurance offer?
Inshur accepts payment via credit or debit card. Customers can choose to pay for their policy in full or set up a payment plan.
Does Inshur Auto Insurance offer any discounts?
Inshur does offer some discounts, including a safe driver discount for those with a clean driving record, and a multi-car discount for those with multiple vehicles on their policy.
Can I cancel my policy with Inshur Auto Insurance?
Yes, customers can cancel their policy at any time. However, they may be subject to cancellation fees depending on the state they live in.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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.
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