Inshur Car Insurance Review [2024]

Inshur car insurance is only offered online to New York City rideshare drivers. Your monthly rate is determined by personal characteristics like your driving record, and it can be as low as $250. Although Inshur auto insurance covers all rideshare drivers, everything from getting quotes to paying your bill must be done through the Inshur app, which requires an Uber login. Inshur meets all TLC and New York state requirements.

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Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

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Jeffrey Manola

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Jeffrey Manola is an experienced insurance agent who founded and His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...

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UPDATED: May 5, 2024

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

Inshur car insurance is only available for rideshare drivers in New York City, even though the company is multi-national. Inshur coverage meets all TLC requirements, and coverage extends to the personal use of your vehicle.

Shop around before you buy Inshur car insurance. The best auto insurance companies out there will all evaluate your factors differently and offer various rates.

Keep reading our Inshur car insurance review to learn more about the company’s rates and ratings. Enter your ZIP code to compare free car insurance quotes from nearby companies.

What is Inshur car insurance?

Inshur offers totally digital car insurance for rideshare drivers in New York City. The Inshur car insurance company is based in the U.K. and has only been around since 2016.

The New York Taxi & Limousine Commission (TLC) regulates all for-hire transportation in the city. Inshur meets all of those requirements and the New York state requirements as well.

In order to qualify for Inshur car insurance, you must be at least 21 years old and have a car with no more than seven seats.

Although Inshur offers coverage to all rideshare drivers no matter what company they work for, drivers have to have an Uber login to access the app.

The app is used for everything from getting Inshur car insurance quotes to showing your proof of insurance.

The main draw of Inshur coverage is that everything is done very quickly online. With other companies, rideshare drivers must take valuable time to meet in person with agents to get coverage.

What are Inshur car insurance rates?

In addition to convenience, Inshur also offers low rates. Inshur car insurance rates usually fall between $250 – $830 a month, but rates will vary by the driver.

Inshur uses standard factors that determine your car insurance rates, such as your age, driving record, and where you live.

This table shows you how your driving history affects your insurance rates from top companies. Drivers with tickets, accidents, and DUIs will pay much higher rates.

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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In addition to your driving record, the TLC also looks at other factors like how long you’ve been a driver, any additional training you’ve received, and if you have a police record when determining rates.

Although Inshur doesn’t offer any car insurance discounts, drivers can get a $25 gift card for referrals.

What car insurance coverages does Inshur offer?

Inshur only offers rideshare coverage, but the coverage does extend to personal use of your vehicle.

The rideshare coverage meets all of the TLC minimum requirements. This table details those requirements.

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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Although these coverages are important, there is no coverage required that will pay for damages to your car. You will need to add collision and comprehensive coverages for your car to be repaired.

Collision covers damages to your car from an accident. Comprehensive covers non-accident damages, such as those resulting from fire, theft, and vandalism.

You may not have a choice about adding the above coverage to your policy. If you lease your car or have a loan, most lenders require you to carry full coverage.

It’s also a good idea to carry the extras if you have a newer or expensive car. Without collision and comprehensive, you will be left paying for repairs or a vehicle replacement yourself.

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How do you cancel Inshur car insurance?

While Inshur doesn’t list specific details on how to cancel your car insurance, there are some basic steps to follow with any company.

First, find out when your policy ends. Depending on the company, you may be charged a fee to cancel early.

Next, shop around for new coverage. Every company will offer different rates, so compare them to find the coverage with the lowest rates.

Then, get your new coverage started at least a day before your old policy ends. This helps you avoid a lapse in coverage, which can lead to fines and having your license suspended.

Finally, let Inshur know you are leaving. You will need your policy number and the date you want your coverage to end. Also, find out if you will be due a refund if you paid in advance.

How do you file a car insurance claim with Inshur?

Although Inshur requires drivers to use the app exclusively, you can’t actually file a claim in the app. However, you can chat with customer service in the app to start a claim.

Also, if you have a Nexar dashcam that is registered with Inshur, your accident video can automatically be uploaded. This makes it faster to get your claim started.

Keep in mind, filing an accident claim can raise your car insurance rates. Carefully consider whether or not it will be cheaper for you to pay for damages than pay higher rates.

What are the Inshur car insurance ratings?

When it comes to ratings, Inshur has an iffy track record. Ratings are mixed on whether or not Inshur is a dependable company.

While Inshur hasn’t been around long enough to earn a financial strength rating from A.M. Best, its underwriter Clear Blue has. Clear Blue received an A- rating, showing an excellent ability to meet obligations.

On the other hand, Inshur did earn a rating from the Better Business Bureau (BBB) for customer interaction. The company received an F rating, largely due to not responding to customers.

App ratings are also very important since you need to use the app for all things Inshur-related. Although Google Play Store users gave the app a 3.3/5 rating, users in the Apple App Store gave the app a 4.7/5 rating.

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Inshur Car Insurance: The Bottom Line

Inshur auto insurance meets TLC and state requirements, but it doesn’t include insurance to cover your vehicle. Consider adding collision and comprehensive so that damages to your car are covered.

Although the Inshur app requires an Uber login, coverage is extended to all rideshare drivers in New York City.

You can find affordable Inshur car insurance, but company ratings aren’t that good. Compare rates and ratings from multiple companies to find the best deal for you.

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

Frequently Asked Questions

What type of insurance does Inshur provide?

Inshur offers digital car insurance specifically designed for rideshare drivers in New York City.

How are Inshur car insurance rates determined?

Inshur calculates rates based on personal factors such as driving record, age, and location. Rates can range from as low as $250 per month.

What coverages are included in Inshur car insurance?

Inshur provides rideshare coverage that meets the requirements set by the TLC (New York Taxi & Limousine Commission). However, additional coverage like collision and comprehensive is necessary for damages to your own vehicle.

How can I cancel my Inshur car insurance policy?

To cancel your Inshur car insurance policy, you should determine your policy end date, shop around for alternative coverage, start the new coverage before the old policy ends, and notify Inshur about your cancellation request.

How do I file a car insurance claim with Inshur?

While you cannot file a claim directly through the app, you can initiate the claim process by contacting customer service within the app or utilizing the registered Nexar dashcam for faster claim handling.

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