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...

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Written by Rachael Brennan
Licensed Agent for 15 Years Rachael Brennan

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Jun 29, 2022

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Key Takeaways

  • Inshur only offers rideshare coverage in NYC
  • The TLC regulates rideshare and other for-hire transportation in New York City
  • Inshur rates vary by the driver but can be as low as $250 a month

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.

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.

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.

What are Inshur car insurance rates?

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.

Average Annual Car Insurance Rates by Driving History
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding Violation
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
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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.

What car insurance coverages does Inshur offer?

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
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 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.

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How do you file a car insurance claim with Inshur?

While Inshur expects drivers to do most things through the app, claims have to be filed by speaking with customer service.

Drivers who have a Nexar dashcam may find the claims process even easier. If the camera is registered with Inshur, accident videos will be automatically uploaded. This can jumpstart the claims process.

Inshur reports that most accident claims are completed within 10 days, but times will vary depending on the details of the accident.

Also, remember that filing an accident claim can increase your car insurance rates. Carefully consider whether or not it will be cheaper for you to just pay for damages yourself.

What are the Inshur car insurance ratings?

Ratings let you know if you can depend on your car insurance company. Although the Inshur car insurance company hasn’t been around for very long, we can still get an idea of dependable it is.

Companies are rated on their financial stability by A.M. Best. Inshur does not have an A.M. Best ranking because it is still relatively new. However, Clear Blue, its underwriter, has an A- rating from A.M. Best, indicating that it has an excellent ability to meet financial obligations.

Companies are rated by the Better Business Bureau (BBB) based on how well they interact with customers. Inshur is not accredited and has a failing grade, owing to its failure to react to all complaints.

App ratings are critical since Inshur requires users to complete everything through the app. The Google Play Store gave the Inshur app a 3.3/5 rating, while the Apple App Store gave it a 4.7/5.

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.