Inshur Car Insurance Review (2026)
Inshur 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 Inshur app, which requires an Uber login. TLC and New York state coverage standards are met by Inshur auto insurance.
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Table of Contents
Table of Contents
Licensed Insurance Agent
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...
Rachael Brennan
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Ty Stewart
Updated February 2025
- AM Best Rating: A-
- Monthly Rates From: $46-$120
- Types of Coverage: Auto
- Customer Service & Claims Number: +1 (866) 446-7487
Inshur is one of the few car insurance companies that offer rideshare coverage in New York City. In fact, Inshur car insurance is unique to the NYC rideshare offerings because drivers can apply online.
Even though Inshur makes it easier for drivers to get coverage, you should still shop around before you buy Inshur car insurance.
We’ll help you decide if Inshur is right for you with details on the company’s policies, rates, and reputation.
Keep reading our Inshur car insurance review to learn more. Before you begin, enter your ZIP code to compare free car insurance quotes from nearby companies.
Inshur Insurance Monthly Rates vs U.S. Average
| Coverage Type | Inshur | U.S. Average |
|---|---|---|
| Full Coverage | $120 | $119 |
| Minimum Coverage | $46 | $45 |
What are Inshur Car Insurance costs?
Traditional car insurance rates in New York, NY are high, but drivers may be able to find affordable Inshur car insurance rates for rideshare drivers. Inshur’s rates will be different for every driver but average between $250-$833 a month. Rates depend on a number of things, but the most important factor is your driving record.
Your driving record gives the insurance company an idea of how risky you are to insure. To see just how much your driving history affects your rates, take a look at this table. It details average rates from top car insurance companies.
Car Insurance Monthly Rates by Driving History
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
 | $318 | $373 | $415 | $521 |
 | $224 | $252 | $310 | $360 |
 | $288 | $339 | $376 | $393 |
 | $178 | $220 | $266 | $406 |
 | $397 | $475 | $517 | $634 |
 | $228 | $259 | $283 | $378 |
 | $282 | $333 | $398 | $330 |
 | $235 | $265 | $283 | $303 |
 | $287 | $355 | $357 | $478 |
 | $161 | $182 | $209 | $292 |
Other factors looked at by the TLC include your age and how long you’ve been driving with a rideshare company. As with standard car insurance, younger drivers with little experience or a bad driving record will pay much higher rates.
Read more: Standard Car Insurance Review
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What is Inshur car insurance?
Inshur only offers rideshare coverage for drivers in New York City. However, it differs from other companies in that Inshur is completely digital, and drivers are expected to use the app for most needs.
In fact, you have to use the app to get an Inshur car insurance quote. Drivers are required to have an Uber login to access the app, but they can drive for any rideshare company. (For more information, read our “Best Cheap Car Insurance Companies That Accept Rideshare“).
Drivers must also meet other requirements, such as being at least 21 years old and having a vehicle with no more than seven seats.
Rideshare drivers in New York must meet all state requirements, as well as specific requirements set by the New York City Taxi & Limousine Commission (TLC).
TLC requirements include having a vehicle with no cosmetic damage, no branding, and being a 2006 model year or newer.
Delving Into the Extensive Array of Coverage Choices Provided by Inshur Car Insurance
Inshur only offers rideshare coverage that meets the TLC requirements. This table shows you what coverage is required of rideshare drivers in NYC.
TLC Car Insurance Coverage
| 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 the TLC requirements don’t include coverage for your vehicle. You should consider adding collision and comprehensive coverages so that your car is fully covered.
Collision pays for damages to your vehicle from an accident. On the other hand, comprehensive pays for damages not from an accident, such as fire, theft, or vandalism.
Keep in mind that if you are leasing your car or have a loan you may already be required to carry those coverages.
Inshur Car Insurance Discounts: Saving on Rideshare Coverage
When considering car insurance options, one of the factors that can significantly impact your costs is the availability of discounts. Inshur Car Insurance offers various discounts to help rideshare drivers save on their coverage. These discounts can make insurance more affordable, and here some of the discounts offered by Inshur to help you make informed decisions about your coverage:
- Safe driver discounts: Inshur rewards safe driving behaviors. Drivers with clean records and a history of responsible driving can often qualify for lower rates.
- Multi-policy discounts: Inshur may offer discounts to policyholders who bundle their rideshare coverage with other insurance policies, such as homeowners or renters insurance.
- Claims-free discounts: Drivers who haven’t filed insurance claims may be eligible for discounts, as they are considered lower risk by the insurer.
- Vehicle safety features discounts: If your vehicle is equipped with safety features like anti-lock brakes, airbags, or an anti-theft system, you may qualify for discounts on your Inshur rideshare coverage.
- Good student discounts: If you’re a student, maintaining good grades can result in discounted rates with Inshur.
- Pay-in-full discounts: Choosing to pay your insurance premium in full, rather than in installments, may make you eligible for savings on your coverage.
- Telematics discounts: Inshur’s digital approach may include telematics programs that monitor your driving habits. Safe and responsible driving can lead to additional discounts.
- Affiliation discounts: Some affiliations or memberships, such as certain professional organizations, may make you eligible for unique discounts.
Inshur Car Insurance provides a range of discounts designed to help rideshare drivers save on their coverage. These discounts are tailored to various aspects of your driving profile, vehicle, and policy preferences.
When exploring your car insurance options, it’s essential to discuss available discounts with Inshur to determine which ones you qualify for, ultimately making your coverage more affordable. Keep in mind that the availability and terms of discounts may vary, so it’s advisable to consult with Inshur for the most up-to-date information on potential savings.
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A Close-Up on Inshur Insurance Company’s Claims Management
Ease of Filing a Claim
Inshur’s car insurance claims process is exclusively digital, and it operates through their mobile app. To initiate a claim, policyholders are required to use the Inshur app, which streamlines the entire process. However, it’s essential to note that access to the app necessitates an Uber login. This digital approach offers the convenience of filing claims and managing the process directly from your mobile device.
Average Claim Processing Time
Inshur aims to provide efficient claim processing for its policyholders. Most accident claims are reported to be completed within approximately 10 days. However, the specific processing time may vary depending on the circumstances and details of each claim. Inshur strives to expedite the claims resolution process to minimize inconvenience for its customers.
Customer Feedback on Claim Resolutions and Payouts
While Inshur’s car insurance claims process is largely digital, their customer feedback on claim resolutions and payouts has been mixed. The company’s ratings on various platforms, including the Better Business Bureau (BBB), suggest room for improvement in their customer interactions and responsiveness to complaints.
Prospective policyholders should consider both the convenience of the digital process and customer feedback when evaluating Inshur’s claims handling.
A Comprehensive Examination of Inshur’s Digital and Technological Capabilities
Mobile App Features and Functionality
Inshur’s digital approach relies heavily on its mobile app, which offers a range of features and functionalities. Policyholders can use the app to request quotes, manage policies, and, crucially, file claims.
Additionally, drivers with Nexar dashcams can benefit from automatic video uploads in the event of an accident, simplifying the claims process. The app is available on both the Google Play Store and the Apple App Store, with respective ratings of 3.3/5 and 4.7/5.
Online Account Management Capabilities
Inshur streamlines online account management for its policyholders, enabling them to access and update policy details through the app. This digital convenience provides customers with the ability to make payments, access essential documents, and keep their insurance matters well-organized—all from the comfort of their homes. It enhances control over insurance-related tasks and information.
Digital Tools and Resources
Inshur primarily focuses on providing the necessary digital tools for rideshare drivers in New York City. As such, their digital resources cater to the specific needs of this demographic. While their digital tools may not be as comprehensive as those offered by traditional insurers, they are tailored to simplify the insurance process for rideshare drivers in the city.
Inshur’s Customer Reviews
Inshur’s approach to car insurance has elicited diverse responses from customers. Some policyholders appreciate the convenience and affordability of their rideshare coverage, praising the ease of using the mobile app and obtaining cost-effective rates, particularly in the expensive New York City market.
However, there have been instances where customers expressed dissatisfaction with the company’s response to claims and customer service, citing a need for improvements in these areas. The digital-centric model has garnered mixed feedback, with some appreciating its efficiency and others desiring a more traditional approach.
Prospective policyholders may find it beneficial to weigh both the advantages and drawbacks from real customer experiences when considering Inshur as their insurance provider.
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Inshur Car Insurance History and Mission
Inshur’s journey as a car insurance provider with a unique digital twist began with a focus on meeting the needs of rideshare drivers in New York City. Founded to offer affordable and tailored coverage for this niche market, the company strives to simplify the insurance process through innovative technology.
Inshur’s mission revolves around providing drivers with access to transparent, cost-effective, and easy-to-use insurance solutions, enhancing the convenience and efficiency of their coverage experience.
While its history is relatively short, Inshur has quickly established itself as a player in the insurance industry, with a commitment to meeting the evolving demands of modern urban mobility and ensuring that drivers have the protection they require.
Inshur Car Insurance: The Bottom Line
Inshur offers convenient TLC coverage for as low as $250 a month. Inshur car insurance will also cover drivers for the personal use of their vehicles, so you don’t have to get multiple policies.
While Inshur car insurance rates may be low, its BBB and app ratings aren’t that great. This might mean it’s not the right company for you.
Compare multiple companies before you settle on a car insurance company. Look at rates and ratings to make the best choice for you.
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 local car insurance companies for free.
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