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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Jun 29, 2022

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The Truth in a Nutshell

  • Inshur car insurance is only available online and is only for rideshare drivers in New York City
  • Rideshare coverage in NYC must meet all TLC requirements
  • Inshur doesn’t have great BBB and Google Play Store ratings

Many drivers out there wonder why insurance is so expensive and how to get lower rates. That’s especially hard for rideshare drivers due to the higher risk. If you drive for a rideshare company in New York City, Inshur car insurance offers cheap coverage that meets your needs.

Inshur is a completely digital car insurance company that’s based in the U.K. and only offers rideshare coverage in New York City. While rates are lower with Inshur, the real draw is convenience.

Although many drivers can find affordable Inshur car insurance, be aware that ratings are inconsistent. Compare rates and ratings before you settle on a car insurance company.

Keep reading our Inshur car insurance review to learn more about the company. Before you get started, enter your ZIP code to compare free car insurance quotes from companies in your area.

What is the Inshur car insurance company?

Inshur has only been around since 2016, and it only offers rideshare coverage for drivers in New York City.

The company is completely digital, and everything from getting an Inshur car insurance quote to viewing your policy information is done through the app.

Although Inshur offers coverage to all rideshare drivers in NYC, they must have an Uber login to create an account.

Inshur’s rideshare coverage meets the minimum requirements of the New York Taxi & Limousine Commission (TLC). The TLC regulates all for-hire transportation in the city.

Traditionally, TLC insurance has been difficult to obtain, requiring drivers to spend valuable time meeting in person to get quotes and coverage.

Inshur has streamlined that process with its online presence. Drivers can now get coverage that meets the TLC requirements in a matter of minutes.

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What are Inshur car insurance rates?

Rideshare drivers need more than just personal car insurance to be fully covered. It may surprise you to learn that your personal coverage does not extend to being on the clock as a driver.

Inshur rideshare coverage averages between $250-$800 a month, depending on your personal factors such as your driving record.

Your driving record is very important since it gives the insurance company an idea of how risky you are as a driver.

This table shows average annual rates by top companies based on your driving record. It will show you just how much your driving impacts your rates.

Average Annual Car Insurance Rates Based on Driving History
Insurance CompaniesAverage Annual Rates with a Clean Driving RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One 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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Drivers with accidents, tickets, and DUIs pay much higher rates for car insurance. This carries over to rideshare coverage as well.

What car insurance coverages does Inshur offer?

Inshur only offers rideshare car insurance that meets the TLC requirements. However, it does allow drivers to use the vehicle for personal use and still be covered.

This table details coverage that rideshare drivers are required to carry.

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 collision and comprehensive coverages are not required. This means that if you just get the minimum coverage, your vehicle damage won’t be covered.

Collision insurance pays for damages to your vehicle from an accident. Comprehensive, on the other hand, pays for damages not from an accident, such as fire, theft, and vandalism.

Also, you may not have a choice in carrying these two coverages. If you lease your vehicle or have a car loan, you’ll be required to carry collision and comprehensive.

It’s also a good idea to add them if you have a newer or expensive car. Repairs or replacement costs will be very high, and you may not have the money to pay for the entire cost.

Consider adding collision and comprehensive coverage to your Inshur policy. Otherwise, you will be paying for damages yourself.

In addition to coverage requirements, drivers must meet personal and vehicle requirements as well.

A few of the requirements are that drivers must be at least 21 years old, have a vehicle that seats no more than seven, and the vehicle must be in good condition with no branding.

How do you cancel Inshur car insurance?

Inshur doesn’t list specifics for how to cancel coverage or if there is a fee to do so.

However, there are certain steps to follow when you cancel any car insurance to avoid headaches.

Steps to canceling car insurance are:

  • Find out when your Inshur policy expires and if there will be a cancelation fee. If your policy ends soon, consider just waiting until then to switch car insurance companies.
  • Shop around for new coverage. If you drive for a rideshare company in NYC, you may be more limited in companies that can offer coverage that fits your needs.
  • Once you make a decision, get your new policy started. Begin your new coverage a day or two before your Inshur policy ends to avoid a costly lapse in coverage.
  • Let Inshur know you are leaving. Find out if you are due a refund if you’ve paid in advance.

Is it bad to let insurance coverage lapse? Allowing your insurance to lapse, even for a day or two, can cost you time and money. Driving without valid car insurance can lead to fines, higher insurance rates when you do get coverage, and even having your license suspended.

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How do you file a car insurance claim with Inshur?

If you’re in an accident, you need confidence that your claim will be handled quickly and easily.

That’s why Inshur makes it very easy to file a claim. Although the company is completely digital, you do need to speak with customer service in the app to start a claim.

Another way you can start an Inshur claim is with your dashcam. If you have a Nexar dashcam, a video of the accident can be automatically uploaded to Inshur. This makes it very easy to get your claim started.

Inshur’s goal is to have your claim paid out in around a week. Drivers can get repairs done quickly and be back on the road.

However, think twice before you file an accident claim. In some cases, filing a claim will raise your car insurance rates. Carefully consider whether or not it will be cheaper in the long run for you to pay for repairs yourself.

What are the Inshur car insurance ratings?

When it comes to ratings, Inshur has mixed results.

The Inshur car insurance company hasn’t been around long enough to earn a financial strength rating from A.M. Best yet. However, its underwriter Clear Blue has received an A- rating, showing an excellent ability to meet financial commitments.

Although Inshur has earned a rating from the Better Business Bureau (BBB), it leaves a lot to be desired. The BBB rated Inshur on customer interaction, and the company received an F rating. This low score is mainly because it doesn’t have a good track record of responding to customer complaints.

App ratings are also very important since Inshur requires drivers to exclusively use the app for everything. Those reviews are also inconsistent.

Users in the Apple App Store gave the Inshur app a 4.7/5 rating, while users in the Google Play Store only gave the app a 3.3/5 rating.

Inshur Car Insurance: The Bottom Line

Inshur car insurance is completely digital, and drivers have to do everything in the app. While Inshur is generally cheaper, it does have mixed ratings.

Although Inshur is based in the U.K., it only offers rideshare coverage in New York City. Also, the Inshur auto insurance meets the requirements for the TLC as well as New York state law.

Before you buy Inshur car insurance, shop around to find your best deal. Compare multiple companies to find low rates with great coverage.

We hope you’ve learned all you need to know about Inshur. Before you leave, enter your ZIP code to compare quotes from car insurance companies near you for free.