Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Dec 13, 2021

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

Inshur car insurance meets the New York City, New York car insurance rideshare driver requirements, and that’s the only place it’s sold.

Although Inshur coverage is a good option for rideshare drivers in NYC, it might not be for everyone since everything is totally digital. Finding affordable Inshur car insurance will depend on your personal factors.

Always shop around for car insurance. Each company will charge different rates, and comparison shopping is the only way to find a great deal.

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

What is Inshur car insurance?

Inshur only offers rideshare car insurance coverage to drivers in New York City. While Inshur is an international company, New York City is the only place in the U.S. to get Inshur car insurance.

Rideshare drivers in New York City must be licensed by the New York Taxi & Limousine Commission (TLC). The TLC regulates all for-hire drivers and requires all drivers and vehicles to meet certain requirements.

Inshur meets the TLC insurance requirements for rideshares.

However, drivers must be at least 21 years old, have a vehicle with no more than seven seats, and have an Uber login. While Inshur will offer coverage to all rideshare drivers no matter the company, they still must have a login with Uber.

In addition, the TLC requires rideshare drivers to have a vehicle with four doors, no cosmetic damage, and no branding. The vehicle must also be a 2006 model or newer, pass an emissions test, and be clean and well maintained.

Inshur is the first insurance company that allows you to get the TLC coverage you need completely digitally. This lets you avoid the long waits times traditionally seen by TLC drivers.

Drivers are expected to use the Inshur app for anything they need, including getting proof of insurance, changing insurance plans, adding vehicles, and getting a quote.

What are Inshur car insurance rates?

There are many factors that affect the cost of car insurance, such as your age and driving record. Those same factors determine the cost of your Inshur coverage.

Not only are the traditional factors looked at, but your rates will also depend on how long you have been driving for a rideshare company and if you have any additional training.

Inshur car insurance rates range between $250-$833 a month, but Inshur car insurance quotes will be different for each driver.

For an example, take a look at this table. It shows average annual rates for drivers based on driving history. Check out just how much of a difference your driving record makes.

Average Annual Car Insurance Rates by Driving History
CompanyClean Record1 Accident1 DUI1 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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Whether you are looking for personal or rideshare car insurance, you will pay much higher rates with accidents, tickets, and DUIs.

If your Inshur rates are too high to pay in full, you can split up the payments. You will have to pay a 15%-30% deposit, then pay the remainder in 10 monthly payments.

Unlike other car insurance companies, there are no Inshur discounts. However, you can get a $25 Amazon gift card for referring other drivers, and Inshur will waive the fee for adding a dashcam if it is a Nexar.

What car insurance coverages does Inshur offer?

Inshur only offers rideshare coverage in NYC, but it does extend to your personal use. So, think carefully about what coverages you choose.

Inshur car insurance coverages meet the TLC requirements as well as New York state requirements.

This table details the TLC insurance requirements.

TLC Car Insurance Coverages
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 required coverages do not pay for any damages to your vehicle. You will need to add collision and comprehensive coverages to handle damages to your car in an accident or non-collision incident.

If you have a car loan or lease your vehicle, you may not have a choice about adding collision and comprehensive insurance.

If you don’t think you could pay to repair or replace your vehicle yourself, adding coverage is a great option. Remember, this is not just your personal vehicle, but it’s also how you make money.

Any downtime without a running car will cost you money.

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How do you file a car insurance claim with Inshur?

Although Inshur is a 100% digital company, you need to speak with a person to file a claim. Simply go through the Inshur app to speak with a claims representative.

You can’t file a claim through the app yet, but Inshur is working to make it even easier to get your claim started.

Another way your accident claim can be started is with your Nexar dashcam. If you’ve registered your Nexar camera with Inshur, the accident video can be automatically uploaded.

Sometimes Inshur will actually reach out to you to begin the claims process once they receive the video.

The Inshur claims process should take around a week to complete, but it will depend on your individual situation.

Keep in mind, filing an accident claim can increase your car insurance rates. If you are able to pay for damages yourself, it will keep your car insurance rates low.

What are the Inshur car insurance ratings?

Ratings are a big part of choosing an insurance company. It’s important to understand if a company is financially sound, treats its customers well, and makes interaction easy.

Since the Inshur car insurance company hasn’t been around that long, it hasn’t been rated by A.M. Best.

However, Inshur’s underwriter Clear Blue has been rated on financial stability. Clear Blue received an A- rating from A.M. Best, showing an excellent ability to meet financial needs.

Although Inshur has been rated by the Better Business Bureau on customer interaction, the rating isn’t promising. In fact, the BBB gave Inshur an F rating due to its lack of response to complaints.

It’s also important to look at the ratings for the Inshur app since drivers are expected to use it for any needs. The Inshur app received a 3.3/5 in the Google Play Store, but it got a 4.7/5 in the Apple App Store.

Inshur Car Insurance: The Bottom Line

Inshur is a completely digital company that only offers rideshare coverage to drivers in New York City. Coverage offered by Inshur meets both the TLC requirements and the New York State requirements for car insurance.

However, app ratings aren’t great, which is a problem since drivers have to use the app for everything.

Shop around before you buy Inshur car insurance. There are many different companies that offer TLC insurance. Compare rates and ratings to find your best deal.

Now that you know about Inshur auto insurance, you’re ready to compare rideshare coverages. Enter your ZIP code now to compare free car insurance quotes from companies in your area today.