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Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Nov 29, 2023

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Inshur Car Insurance Review (2024)

  • Inshur car insurance is only available in New York City and caters to the needs of taxi, limousine, delivery, and rideshare drivers
  • Rideshare drivers in New York City must meet the state and the New York Taxi & Limousine Commission insurance requirements
  • Inshur insurance quotes are higher than average because New York City car insurance rates are among the most expensive in the state

If you’re a rideshare driver, you may be wondering — what company insures Uber? Uber and other rideshare companies require drivers to carry additional auto insurance coverage. Fortunately, if you live in New York, you can shop with Inshur car insurance to find more affordable rates.

Inshur car insurance is only available to drivers in New York City and operates exclusively online. This means it can offer cheaper car insurance rates to rideshare drivers. Read our guide now to learn more about Inshur’s coverage and compare Inshur car insurance rates against some of the best car insurance companies in the country.

Read on to learn more about Inshur car insurance. If you’re ready to compare rideshare car insurance quotes, enter your ZIP code above to get free quotes from local companies today.

Do I need Inshur car insurance?

If you live in New York City and work as a taxi, limousine, delivery, or rideshare driver, you need specialized insurance coverage and licensing to operate legally. You must also meet the state’s minimum insurance requirements, which include liability coverage, uninsured motorist protection, and personal injury protection (PIP).

The New York Taxi & Limousine Commission (TLC) determines the type of insurance coverage rideshare drivers need. If you drive for Uber, Lyft, or any other rideshare or delivery service in New York City, you must meet the TLC’s requirements.

To help ease this process for drivers who want to get to work quickly, Inshur car insurance company provides policies that meet the NYC and TLC requirements. Drivers can sign up online and pay for coverage in three minutes or less.

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How much are Inshur car insurance rates?

New York car insurance is among the most expensive in the country. Your Inshur car insurance rates are likely to be more expensive than average, but you can reduce your costs by maintaining a good driving record.

Take a look at the table below to see how New York City car insurance rates compare to other cities in New York:

CityAverage Annual Rates
West Seneca$1,232.58
Long Beach$1,282.72
Niagra Falls$1,365.70
New Rochelle$1,389.41
White Plains$1,710.85
West Seneca$2,044.00
Mount Vernon$2,098.72
New York City$2,133.60

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New York City has the second-most expensive rates in the state, averaging around $177/mo ($2,133/yr). And your Inshur car insurance quotes will be more expensive than this since rideshare drivers are required to carry specialized coverage. 

However, it’s a strong base to give you an idea of how expensive your rideshare insurance will be. And your age, the age of your vehicle, and how long you’ve been a rideshare driver will also impact how auto insurance rates are determined. For example, if you plan to buy a brand new car, your Inshur car insurance rates will be cheaper.

Does Inshur offer car insurance discounts?

No, Inshur does not offer auto insurance discounts. But, drivers can receive a $25 Amazon gift card for referring other drivers.

What kind of car insurance coverage does Inshur offer?

Inshur provides the liability and comprehensive policies rideshare drivers need in New York City. Liability will only cover damages and injuries sustained by the other party involved in the accident, but comprehensive insurance will provide more coverage.

Inshur comprehensive car insurance for delivery drivers includes:

  • Windshield coverage
  • Accidental damages sustained in a collision or accident
  • Malicious damages caused by vandals or sustained in an accident
  • Fire, flood, theft, and vandalism damages

Inshur also provides Foreign Use coverage. Since Inshur operates in the UK, the Netherlands, and the United States, drivers can carry coverage abroad to these nations without changing their policies. 

As a rideshare driver, it is in your best interest to carry both liability and comprehensive policies (known as full coverage) to ensure you’re covered at all times while at work.

What is rideshare insurance coverage?

What is rideshare insurance? Rideshare insurance can provide coverage at all or certain times while drivers are working. Coverage can start as soon as drivers log into the app (Period 1). Coverage can sometimes extend during the drive to pick up the passenger or delivery (Period 2) and while the passenger or items are in the vehicle (Period 3).

Rideshare companies cover very little, if any, damages sustained by drivers while working. Your personal car insurance won’t cover rideshare either unless you carry a commercial policy or pay for a rideshare add-on. 

In New York, rideshare drivers are required to carry a minimum of 75/25/150 in liability insurance that applies while they work. 

Some car insurance companies only provide coverage for Period 1, others for all three (with a deductible). Inshur car insurance provides coverage for all three easily and quickly with one monthly rate and one deductible.

To get the best rates, you should compare Inshur car insurance against other companies that offer competitive rideshare coverages, including Allstate and Esurance. Then, compare quotes with at least three different insurers to guarantee you pay a fair price.

Does Inshur have rideshare insurance restrictions?

Yes, but many of these restrictions align with the TLC licensing requirements. To qualify for Inshur car insurance, drivers must:

  • Be at least 23 years old
  • Have a clean driving record (less than five points on your license)
  • Drive a vehicle less than 20 years old
  • Have an Uber login to access the app

Inshur provides coverage to all rideshare drivers, but an Uber login is required to use the app. The Uber login acts as your Inshur login, which you need to buy a policy.

Drivers can have vehicles large enough to seat up to eight passengers, and Inshur will provide coverage to motorcycles and scooters, too. 

However, New York City will look back up to 15 months when it comes to your driving record, and Inshur will look back at least 15 months or more. So, make sure you maintain a good driving record before you buy Inshur car insurance.

What are the Inshur car insurance company ratings?

Before you decide to buy car insurance, compare Inshur financial and customer ratings against other top companies in New York. 

Inshur is a smaller company that operates primarily in Europe, so you won’t find any financial ratings from A.M. Best. However, the Inshur underwriting company in the U.S., Clear Blue, earned a strong A- rating, meaning it has the financial strength to deliver on Inshur insurance claims.

Unfortunately, Inshur customer service ratings aren’t as favorable. The company received an F rating from the Better Business Bureau (BBB) because it doesn’t respond to complaints. However, reviews for the app on both the Apple and GooglePlay Stores are high (4.7/5 and 3.9/5, respectively). 

Discrepancies in customer service reviews like this are common in the insurance industry. So, you should read customers’ Inshur insurance reviews carefully and compare ratings to other companies in your area. Even if your Inshur car insurance quotes are cheaper, you may be willing to pay more for faster response times and better customer service.

Should I buy Inshur car insurance?

If you’re a rideshare driver in New York City, Inshur car insurance is an affordable option. Inshur provides the kind of comprehensive coverage you need to meet the TLC requirements.

However, since Inshur car insurance company operates entirely online, you need an Uber login to access the Inshur app and buy a policy. You don’t need to be an Uber driver to carry Inshur insurance coverage, but you must have a login to use the app.

Once you log in, drivers can get coverage in three minutes or less and start driving almost immediately. Your Inshur car insurance rates and eligibility for coverage will depend on your driving record, so only apply for a policy if you know you have less than five points on your license. 

You can find affordable Inshur car insurance, but you won’t be eligible for any discounts since the company doesn’t offer any. But rates are competitive, especially if you need to insure a larger van or limousine.

If you’re looking for Inshur car insurance quotes, use our free comparison tool below to see which car insurance companies are available in your area. Enter your ZIP code to get started.

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Inshur Car Insurance: Frequently Asked Questions

Read these answers to learn more about the Inshur claims process and how to reach the company:

#1 – How do I file an Inshur car insurance claim?

If you are in an accident, you cannot file a claim on the Inshur app. 

To file a claim, call the Inshur claims phone number at 1-866-446-7487 and select Option 2.

The claims office is only open during business hours, Monday-Thursday, from 9 a.m. to 5 p.m. If it is the weekend and no one is available, email [email protected] to file a claim.

#2 – How do I cancel my Inshur car insurance coverage?

Although you can buy Inshur car insurance online through the app, you must call customer service to cancel your policy. 

To cancel your coverage, call the Inshur insurance contact number at 1-866-446-7487.

The insurance agent you speak with will be able to go over the Inshur cancellation policy with you. There may be a cancellation fee. However, if you paid your premiums in full, you may qualify for a refund.

#3 – What is the Inshur insurance address?

As a rideshare driver, if you need to teach the company, email an Inshur agent at [email protected].

Inshur is located in the UK and registered in England and Wales. The company’s mailing address is 7th Floor, 1 Minster Court, Mincing Lane, London, EC3R 7AA.



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