Inshur Auto Insurance Review [2022]

Inshur auto insurance is completely digital and is only offered to New York City rideshare drivers. Rates are determined by a variety of factors, including your driving record, and can start as low as $250 per month. Although Inshur covers all rideshare drivers, getting quotes and paying your bill must be done through the Inshur app, which requires an Uber login. Inshur car insurance meets New York state and TLC coverage requirements.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 10, 2022

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Company Details
Address: 315 W36th St
City: New York
State: SC
ZIP Code: 10018
Phone Number: 1-866-446-7487
Website: inshur.com/us/
Year Founded: 2016
AM Best Rating: N/A
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When it comes to the best auto insurance companies for rideshare drivers in New York, Inshur tops the list. In addition to low Inshur auto insurance rates, convenient access to policies makes the company one of the top insurers.

Inshur is entirely digital, and drivers can manage their accounts, including making payments and obtaining proof of insurance, through the app.

Although drivers can find affordable Inshur auto insurance, the company is not rated by A.M. Best and has a failing BBB rating.

Before you buy Inshur auto insurance, shop around to find a company that offers the rates and ratings you need. To find your best deal, compare several companies.

Keep reading our Inshur auto insurance review to learn more about the company. Enter your ZIP code before you begin to compare free auto insurance quotes from nearby companies.

What is Inshur auto insurance?

The Inshur auto insurance company only offers rideshare coverage to drivers in New York City. Because the company is completely digital, drivers must use the app for any needs, such as getting an Inshur auto insurance quote and account management.

You must also have an Uber login to access the app, but Inshur offers coverage to all rideshare drivers who are over 21 years old and have a vehicle with seven seats or less.

Although many insurance companies meet the requirements set by the New York City Taxi & Limousine Commission (TLC), Inshur stands out because it lets drivers get coverage online.

Most TLC insurers require drivers to apply in person, and the process to get coverage can be lengthy. However, Inshur allows everything to be done online, and drivers can get coverage quickly.

What are Inshur’s auto insurance rates?

Inshur auto insurance rates range between $250-$830 a month, but rates will be different for each driver. Inshur uses the traditional factors to calculate rates, such as age and driving record.

However, your driving history is the most significant factor looked at. It shows an insurance company how risky you are to insure. This is doubly important for rideshare drivers since they spend so much time on the road.

To give you an idea of how much your driving record can impact your rates, look at this table. It shows average annual rates from top companies.

Average Annual Auto 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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There are other factors that are also used to determine your rates. Some personal factors used to calculate TLC rates include your age and how long you’ve been driving for a rideshare company.

You will also use the Inshur app to make your payment with a credit or debit card. You can either pay in full or make payments.

If you choose to make payments, you will have to pay a deposit of 15%-30% of your rates. The remaining balance will be divided into 10 monthly payments.

What auto insurance coverages does Inshur offer?

Inshur only offers rideshare coverage. However, that coverage does extend to personal use of your vehicle, so you don’t need multiple policies.

Inshur also meets all of the TLC coverage requirements. This table shows you exactly what is required by the TLC.

TLC Auto 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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In addition to the required coverage, it’s also a good idea to add collision and comprehensive coverages. These coverages help pay for damages to your vehicle, while the minimum requirements don’t cover your car.

If you have a loan or lease your vehicle, you probably don’t have a choice to add collision and comprehensive coverages. Most lenders require you to carry full coverage auto insurance to protect their investment.

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How do you cancel Inshur auto insurance?

While Inshur doesn’t go into detail about its cancellation policy, there are some basic steps to follow to ensure switching companies is as easy as possible.

First, find out when your current coverage ends. Although most insurance companies allow you to cancel without a charge, there may be a fee for ending your policy early. If you are close to your end date, it may be better to just wait to switch.

Next, get your new coverage in place. Compare multiple companies to find the best deal for you. Once you decide on your company, get your new coverage started.

Finally, let Inshur know you are leaving. Make sure your cancellation date is a day or two later than when your new policy begins to avoid a lapse in coverage.

Allowing a lapse in coverage can lead to fines as well as higher insurance rates when your new coverage starts.

How do you file an auto insurance claim with Inshur?

Filing a claim with Inshur is pretty easy. Begin the claims process by speaking with customer service through the Inshur app. Although Inshur requires drivers to use the app for just about everything, you can’t actually file a claim with it.

You may be tempted to file a claim for any damage to your vehicle, but you should think twice. Filing a claim can raise your auto insurance rates for years. It may be cheaper for you to pay for damages yourself rather than suffer through higher rates for a long time.

What are the Inshur auto insurance ratings?

Inshur hasn’t been active in the insurance market in the United States for very long, which may have an impact on its ratings.

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 successfully they engage with customers. Inshur is not accredited and has an F rating, owing to its failure to respond to all concerns.

App ratings are very important 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.

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Inshur Auto Insurance: The Bottom Line

Inshur only offers coverage to rideshare drivers in New York City and meets TLC requirements. Rates will be different for each driver and are calculated based on age, driving record, and other factors such as how long you’ve been driving for a rideshare company.

Inshur is 100% digital, and drivers have to use the app for everything, including making payments. Although that can be very convenient, some users report problems with the app and can’t access their accounts.

Shop around before you choose rideshare insurance from Inshur. Compare rates and ratings to pick the company that meets your needs.

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

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