Inshur Car Insurance Review & Complaints

Inshur car insurance is only available to rideshare drivers in New York City. Rates are as low as $250 a month but vary by driver. Inshur auto insurance is only offered online, and drivers must use the app for everything including getting a quote. Inshur is offered to all rideshare drivers in NYC, but you have to have an Uber login to get quotes and access your account.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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 insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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The Highlights

  • Inshur car insurance is only available for rideshare drivers in New York City
  • Coverage from Inshur extends to personal use of your vehicle as well
  • Drivers must be at least 21 years old and have a car with less than seven seats to qualify for Inshur coverage

Inshur car insurance is only offered online and only to rideshare drivers in New York City. Ratings aren’t that great, but ease of signing up and use makes it one of the best car insurance companies for rideshare drivers in NYC.

It’s possible to find affordable Inshur car insurance, but you should still shop around. Compare companies that offer rideshare coverage in addition to personal use coverage.

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

What is Inshur car insurance?

Inshur is a completely digital car insurance company that only offers coverage to rideshare drivers in New York City. Although the company also operates in the U.K., it offers extremely limited coverage in the U.S.

In order to qualify for Inshur coverage, drivers must be at least 21 years old, have a vehicle with no more than seven seats, and have an Uber login.

Although drivers can work for any rideshare, Inshur requires an Uber login to access the app where all insurance information is stored.

Drivers also must meet all vehicle requirements from the New York Taxi & Limousine Commission (TLC), such as having a clean vehicle with no cosmetic damage. Vehicles also can’t be older than 2006.

Because Inshur is entirely digital, your insurance documentation is emailed to you and accessible via the app. You can also use the app to renew your policy, add drivers, and update your vehicles.

What are Inshur car insurance rates?

Inshur car insurance rates vary depending on the individual, but they often range from $3,000 to $10,000 per year or $250 to $833 per month.

Rates will be determined by the driver’s age, length of time driving for a ridesharing company, and driving record.

You’ll also use the Inshur app to make a credit or debit card payment. You have the option of paying in full or in installments.

If you opt to pay in installments, you will be required to pay a deposit of 15% to 30% of your monthly rates. The remaining sum is spread out over ten months.

Although Inshur does not offer any car insurance discounts, drivers who refer other drivers can receive a $25 Amazon gift card.

How are Inshur car insurance rates calculated?

Inshur car insurance quotes are calculated using the standard factors that affect car insurance rates.

Car insurance companies look at your age, where you live, the vehicle you drive, and even your credit score to determine your rates.

Perhaps the biggest factor used to calculate your rates is your driving history. Your driving record shows just how risky you are to insure.

This table shows the average rates based on driving history. You may be surprised to see how much extra you will pay for bad driving.

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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Drivers with accidents, tickets, and DUIs will pay much higher rates than drivers with a clean record.

If you drive for a rideshare company, it’s especially important that you are a safe driver.

What car insurance coverages are offered by Inshur?

Inshur offers car insurance coverage that meets the TLC requirements in New York City. While the company doesn’t offer personal car insurance separately, the rideshare coverage offered does extend to personal use of your vehicle.

This table shows you TLC coverage 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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TLC requires drivers to carry liability coverage, but that doesn’t pay for damages to your vehicle. You would need to add collision coverage to help pay for repairs or replacement of your car.

Consider adding collision coverage if:

  • You lease a car
  • You have a loan on your car
  • Repair to your vehicle can’t be paid out-of-pocket
  • You have an older car that isn’t expensive to replace

Your vehicle is not just used for your pleasure, but it’s how you make money. Consider adding coverages that will help you continue to earn a paycheck and make it easier for you to get back on the road after an accident.

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How do you cancel Inshur car insurance?

Inshur doesn’t offer any details of its cancellation process online. However, the process is generally the same for all companies. The only things that are up in the air are if you have to pay a cancellation fee and if you get a refund if you prepay.

Because Inshur offers rideshare insurance that will also cover personal use, it can be tricky to switch companies. You will need to find a company that meets the TLC requirements as well as fits your personal needs.

Once you do find a car insurance company to switch to, be sure to start your new policy a day or two before your Inshur policy end. This prevents a costly lapse in coverage that can cost you fines and a driver’s license suspension.

How do you file a car insurance claim with Inshur?

If you are in a car accident, it’s pretty easy to start a claim with Inshur. However, you won’t be able to file the claim in the app where everything else is done.

The company is working on adding the ability to file a claim to its app, but for now, drivers have to call customer service.

If you have a Nexar dashcam, the process can be even easier. Your video uploads directly to Inshur if the camera is registered with them. This can speed up your claims process.

Inshur boasts that claims are handled in around 7-10 days, making the claims process very quick.

What are the Inshur Car insurance ratings?

Most drivers concentrate on rates when they are looking for car insurance. However, ratings are just as important because you need to be sure your insurance company is there when you need them.

A.M. Best rates companies on financial stability, but Inshur hasn’t been around long enough to earn a rating. The Inshur underwriter Clear Blue received an A- rating showing an excellent ability to meet financial obligations.

Inshur has been rated by the Better Business Bureau (BBB), which rates businesses on how well they interact with customers. However, Inshur received an F rating mainly because it doesn’t respond to complaints.

Drivers are expected to use the Inshur app for all insurance needs, so app ratings are also very important. The Insure 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 Car Insurance: The Bottom Line

Inshur car insurance offers rideshare drivers an easy option to meet TLC requirements in New York City.

Although rates are about average, the process of signing up and actual usage of the Inshur app is very easy.

Before you buy Inshur car insurance, shop around to make sure you are getting the best deal. Compare multiple car insurance companies to see who can offer you the coverage you need with low rates.

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

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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