Inshur Auto Insurance Review (2022)

Inshur auto insurance is only available for rideshare drivers in New York City. Inshur auto insurance rates will vary by the driver but can be as low as $250 a month. Inshur is an online-only auto insurance company offering coverage to all rideshare drivers, but you must have an Uber login to use the app that does everything from giving quotes to allowing account access. Although Inshur offers insurance across the U.K. and the Netherlands, in the U.S. it's only available in New York.

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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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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 29, 2022

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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: 2028
AM Best Rating: N/A

Inshur auto insurance is a newer insurance company that offers rideshare insurance to drivers in New York City who meet certain requirements, such as age and having an Uber login.

Inshur is completely digital, and drivers can take care of account activities, such as making payments and getting proof of insurance, through the app.

Although you can find affordable Inshur auto insurance, the company isn’t rated with A.M. Best and has a very poor BBB rating.

More: Western Mass Auto Insurance Review

Shop around before you buy Inshur auto insurance to find a company with the rates and ratings you need. Compare multiple companies to find your best deal.

Keep reading to learn more about Inshur car insurance. Before you scroll down, enter your ZIP code to compare free auto insurance quotes from companies in your area.

What is the Inshur auto insurance company?

Inshur is a 100% online insurance company. As a result, drivers can get Inshur auto insurance quotes only through the app and must handle all insurance needs through the app as well.

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The Inshur auto insurance company only offers coverage in the U.K., Netherlands, and New York City. Clear Ble underwrites coverage in the U.S.

Inshur only offers rideshare insurance to New York City drivers who are over 21, have Uber driver login credentials, and have a vehicle with no more than seven seats.

Even though drivers need an Uber login, they can drive for other rideshares such as Lyft.

More: The Zebra Auto Insurance Review (2022)

However, drivers have to meet all of the New York Taxi & Limousine Commission (TLC) vehicle requirements, such as having a clean vehicle with no cosmetic damage, and that is model year 2006 or newer.

Inshur is the first auto insurance company in New York to allow drivers to get TLC insurance online. That means avoiding the long process usually needed to get coverage.

Inshur is completely digital, so your insurance documents will be emailed to you and are also available through the app. Additionally, you can renew your policy, add drivers, and update your vehicle information through the app.

What are Inshur’s auto insurance rates?

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Inshur car insurance rates will vary by driver, but rates usually range between $3,000-$10,000 a year or $250-$833 a month.

Age of the driver, how long they have been driving for a rideshare company, and driving record will all be used to determine rates.

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.

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

Although Inshur doesn’t have discounts, drivers can get a $25 Amazon gift card for referring other drivers.

What factors affect Inshur auto insurance rates?

There are many factors that affect auto insurance rates, and Inshur uses the same factors to calculate rates for its rideshare drivers.

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Common factors used to calculate rates include your age, driving record, ZIP code, and even your credit score.

Hands down, the greatest factor looked at by auto insurance companies is your driving record. Your driving record gives insurance companies an idea of how risky you are to insure.

This table shows you just how much your driving record affects your auto insurance rates.

Average Annual Auto Insurance Rates Based on Driving History
Insurance CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One Speeding ViolationAverage Annual Rates with One DUI
American Family$2,693.61$3,722.75$3,025.74$4,330.24
Liberty Mutual$4,774.30$6,204.78$5,701.26$7,613.48
State Farm$2,821.18$3,396.01$3,186.01$3,636.80
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Drivers with an accident, ticket, or DUI will pay much higher rates than a driver with a clean driving record.

That holds true for drivers needing rideshare insurance as well. Your Inshur auto insurance rates will vary based on the normal factors used to calculate rates.

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What auto insurance coverages does Inshur offer?

Inshur only offers auto insurance to rideshare drivers in New York City. The coverages offered by Inshur meet the requirements of the TLC.

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This table details the TLC coverage requirements.

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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As you can see, there is no requirement for collision coverage. This means if you only get the minimum TLC coverage required, your auto insurance won’t fix damages to your vehicle if you are in an accident.

You might consider adding collision coverage if:

  • You lease your vehicle or have a car loan. Most lenders require you to carry liability, collision, and comprehensive coverage.
  • You can’t pay for repairs to your vehicle yourself. If you can afford to pay out-of-pocket for damages to your car, you may be able to skip collision coverage.
  • Your vehicle is old or not worth much money. Replacement costs on a newer vehicle are high, and paying for that yourself may not be an option.

Keep in mind that any coverage you purchase with Inshur will carry over into personal use of your vehicle as well as when you are driving for a rideshare company.

How do you file an auto insurance claim with Inshur?

Filing a claim with Inshur is pretty easy. Although drivers can’t file a claim directly using the Inshur app, they can speak with customer service through the app to get a claim started.

If drivers have a Nexar dashcam and have registered it with Inshur, the video can be sent directly to Inshur. This speeds up the claims process, and Inshur may even reach out first to the driver to get a claim started.

The target for the claims process is 7-10 days, and Inshur plans to allow drivers the ability to file claims directly in the app at some point.

What are the Inshur auto insurance ratings?

Inshur hasn’t been on the insurance scene in the U.S. for very long, which can affect its ratings.

A.M. Best rates companies on financial stability. Since Inshur is relatively new, it does not have an A.M. Best rating. However, its underwriting company Clear Blue has an A- rating with A.M. Best, showing an excellent ability to meet financial obligations.

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 3.9/5 in the Google Play Store and a 4.7/5 in the Apple App Store.

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Inshur Auto Insurance: The Bottom Line

Inshur only offers coverage to rideshare drivers in New York City that meets TLC requirements. Rates will be different for each driver and are calculated based on age, driving record, and other factors.

Inshur is completely 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 information.

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

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

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