Inshur Car Insurance Review & Ratings (2022)

Inshur car insurance offers digital coverage to rideshare drivers in New York City, with rates as low as $250 per month depending on the driver. While Inshur auto insurance fulfills TLC requirements for rideshares, it stands out from the competition because drivers can get coverage quickly online. Although Inshur's rates can be low and access is simple, its ratings are lacking.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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Company Details
Address: 315 W 36th St
City: New York
State: NY
ZIP Code: 10018
Phone Number: 1-866-446-7487
Year Founded: 2014
AM Best Rating: N/A
Company Rating 0 (0 reviews)

Inshur only offers car insurance to rideshare drivers in New York City. Not only does Inshur car insurance meet all state requirements, but it also meets specific requirements for rideshare drivers.

Inshur is completely digital, which lets drivers get coverage quickly, unlike other TLC insurers who require drivers to apply in person for coverage. Convenience and low rates make Inshur one of the top rideshare insurers in the city.

While drivers can find affordable Inshur car insurance, you should still shop around to find the best deal for you. Since each company will offer different rates, compare multiple companies to find the coverage you need with low rates.

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

What is the Inshur car insurance company?

Inshur is a 100% digital car insurance company based in the U.K. It only offers rideshare coverage in New York City and meets all state requirements. Since the company is digital, everything from Inshur car insurance quotes to accessing policy information is handled through the app.

Inshur also meets all of the requirements set by the New York City Taxi & Limousine Commission (TLC), which regulates all for-hire transportation in the city. TLC requirements also include having a vehicle in good condition with no branding.

In order to get Inshur coverage, drivers must be at least 21 years old, have a car with no more than seven seats, and have an Uber login. While drivers can work with any rideshare company, an Uber login is necessary to access the Inshur app.

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What are Inshur’s car insurance rates?

While Inshur rates range between $250-$830 on average, they will vary for each driver.

How are car insurance rates determined? Inshur looks at the traditional factors that affect car insurance rates, such as age and driving record.

Your driving record is the most significant factor when it comes to your rates. It shows your car insurance company how risky you are to insure.

This table shows how much your driving record affects your rates. Drivers with accidents, tickets, and DUIs will pay significantly more than drivers with a clean record.

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
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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Since rideshare drivers spend so much time on the road, it makes sense that your driving record will be extremely important to car insurance companies.

With Inshur, you can pay for your insurance with a credit or debit card. You can also either pay for your coverage up front or make payments. If you choose to make payments, you will have to pay a 15%-30% deposit, and the balance will be divided into 10 monthly payments.

Although there are no Inshur car insurance discounts, you can get a $25 gift card for referrals.

What car insurance coverages does Inshur offer?

Inshur offers rideshare coverage that meets the TLC coverage requirements.

This table shows what car insurance requirements are for rideshare drivers in New York City.

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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While these coverages will pay for damages to other vehicles if you cause an accident, they won’t pay for damage to your vehicle.

Consider adding collision and comprehensive coverages to your policy in order to be fully covered. Collision helps pay for damages caused by an accident, and comprehensive covers damage not from an accident like fire, vandalism, and theft.

If you have a car loan or lease a car, you probably won’t have a choice about carrying full coverage.

How do you cancel Inshur car insurance?

Although Inshur doesn’t list cancellation information, there are some basic steps you can take to make the process as easy as possible.

First, find out when your policy expires and if there are any cancellation fees. It may be cheaper and easier to switch car insurance companies when your policy ends.

Next, shop around for new coverage. Every company will offer different rates, so compare multiple companies to find your best deal. Once you decide on your company, get your new policy in place.

Finally, let Inshur know you are leaving. You will need your policy number and the date you want your coverage to end. Make sure your end date is after your new policy goes into effect. Allowing your coverage to lapse can lead to fines and a higher rate when you do get car insurance again.

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How do you file a car insurance claim with Inshur?

Although you can’t file a claim through the Inshur app, the process is still pretty easy. You can speak with a customer service representative through the app to begin your claims process.

Drivers with a Nexar dashcam have another route to opening a claim. If your dashcam is registered with Inshur, the accident video can be uploaded automatically. This can get a jumpstart on the claims process.

Inshur reports that most claims take around 10 days to completely process, but timing will vary.

It’s also important that you carefully consider whether you should file an auto insurance claim. In some cases, claims can raise your car insurance rates for around three years. It may be cheaper for you to pay for your damages out of pocket.

What are the Inshur car insurance ratings?

When it comes to insurance, company ratings are just as important as rates. You need to know that you can depend on your insurance company when you need it.

Although Inshur is too new to get a financial stability rating from A.M. Best, its underwriter Clear Blue has an A- rating showing an excellent ability to meet financial commitments.

The Better Business Bureau (BBB) rates companies on how well they interact with customers. Inshur is not accredited and has an F rating, mainly due to not responding to all complaints.

Since Inshur requires users to do everything through the app, app ratings are very important. The Inshur app received a 4.7/5 in the Apple App Store and a 3.3/5 in the Google Play Store.

Inshur Car Insurance: The Bottom Line

Only TLC-certified rideshare drivers in New York City are covered by Inshur. Each driver’s rate will be different and will be determined by his or her age, driving history, and other criteria.

Inshur is a fully digital company, and drivers are required to use the app for everything, including payment. Although this is useful, some users have reported issues with the app and are unable to access their data.

Before you buy Inshur car insurance, do some research. To find the company that best matches your needs, compare rates and ratings.

We hope you now know all you need to about Inshur auto insurance. Before you leave, enter your ZIP code to get free car insurance quotes from local companies.

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