Inshur Auto Insurance Review: What to Know (2026)
Inshur auto insurance is available to rideshare drivers in New York City, and rates vary by the driver but can be as low as $250 a month. While Inshur car insurance meets TLC requirements, it differs from other companies because you can quickly get coverage online. While Inshur rates are low and access is convenient, ratings leave a lot to be desired.
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Aaron Englard
Updated February 2025
- Inshur auto insurance is only available for rideshare drivers in New York City
- Rideshare coverage with Inshur extends to personal use of your vehicle
- Inshur has an F rating with the BBB due to not responding to customer complaints
When it comes to auto insurance companies that offer rideshare coverage in New York City, Inshur is at the top of the list. Inshur car insurance is the most convenient since drivers can apply online.
Although Inshur is based in the U.K., it’s only available in New York in the U.S. While some drivers can find affordable Inshur auto insurance, the company’s ratings leave a lot to be desired.
Before you buy Inshur auto insurance, shop around. Compare rates and ratings from multiple companies to see who can offer you the best deal.
Keep reading our Inshur auto insurance review to learn more about the company. Before you start, enter your ZIP code to compare free quotes from auto insurance companies in your area.
What is the Inshur auto insurance company?
Inshur is available to drivers who need rideshare auto insurance coverage in New York City.
In order for drivers to qualify for Inshur, they must be at least 21 years old and have a car with no more than seven seats.
Drivers must use the company’s app to do everything from getting an Inshur auto insurance quote to making payments. The company is completely digital, so everything is done online or through the app.
In order to use the Inshur app, you must have an Uber login. However, you can drive for any rideshare company to qualify.
Inshur meets the auto insurance requirements of the New York City Taxi & Limousine Commission (TLC), which regulates all for-hire transportation in the city.
Although there are many TLC insurance companies, Inshur sets itself apart because of the convenience it offers.
While most insurance companies have a lengthy application process that includes in-person meetings, Inshur allows drivers to apply quickly and get coverage online.
What are Inshur’s auto insurance rates?
While Inshur’s average rates range from $250-$830 a month, rates will vary by driver. Inshur looks at your personal factors to calculate your rates, such as your age and driving record.
One of the most important factors looked at is your driving record. This is especially important since rideshare drivers spend so much time on the road.
This table shows you average annual rates from top companies based on your driving history.
Average Annual Auto Insurance Rates by Driving History| Company | Average Annual Rates with Clean Record | Average Annual Rates with 1 Accident | Average Annual Rates with 1 DUI | Average 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 |
In addition to the traditional factors, the TLC also looks at other factors like how long you’ve been driving for a rideshare and your police record.
Inshur allows drivers to pay with either a debit or credit card and make payments if needed. If you choose to make payments, a deposit of up to 30% will be required. The remaining balance will be broken into 10 payments.
What auto insurance coverages does Inshur offer?
Inshur only offers rideshare coverage that meets the TLC requirements. This table shows the minimum coverage required for rideshare drivers in NYC.
TLC Auto Insurance Coverage| Coverage | Minimum Coverage Amount | Required? |
|---|---|---|
| Liability coverage per person | $100,000 | Mandatory |
| Liability coverage per person | $300,000 | Mandatory |
| Personal injury protection | $200,000 | Mandatory |
| Property damage | $10,000 | Mandatory |
| Collision protection | Optional | Optional |
These minimum requirements don’t include coverage that pays for damages to your vehicle. You will need to add collision and comprehensive coverages to be fully insured.
Collision pays for damages to your vehicle from an accident. On the other hand, comprehensive pays for damages not from an accident, such as flood, fire, theft, and vandalism.
If you have a car loan or lease your vehicle, you may have to carry collision and comprehensive coverages. Most lenders require that their investment be fully protected.
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How do you cancel Inshur auto insurance?
Although Inshur doesn’t list specific instructions on how to cancel coverage, there are some basic steps you can take to make canceling auto insurance easy.
Steps to canceling auto insurance include:
- Find out when your policy ends. Sometimes you may be charged a fee for canceling early. If your policy is about to end, it may be better to switch then.
- Shop for new coverage. Every company will offer different auto insurance rates so compare multiple companies to find your best deal.
- Get your new coverage in place. Finalize your policy and get your new insurance going.
- Cancel your old policy. Be sure to set your end date at least a day or two after your new coverage goes in place.
Make sure you have new coverage in place before you cancel your old policy. A lapse in coverage can have serious repercussions, such as fines, a driver’s license suspension, and having your car impounded.
How do you file an auto insurance claim with Inshur?
While Inshur wants drivers to use the app for most services, you can’t actually file a claim through the app. However, you can talk with a customer service representative through the app to start your claim.
Inshur reports that most claims are processed within 10 days, but times will vary.
Think twice before you file an insurance claim since it can raise your rates. It may be cheaper for you to pay for damages yourself instead of paying higher insurance rates.
What are the Inshur auto insurance ratings?
Ratings are just as important as rates when it comes to an insurance company. You need to know that you can depend on your insurance when you need it most.
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. Because Inshur is relatively new, it does not have an A.M. Best rating yet. 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 customer interaction. 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 3.3/5 in the Google Play Store and a 4.7/5 in the Apple App Store.
Inshur Auto Insurance: The Bottom Line
Inshur car insurance is only offered in NYC to rideshare drivers. Although rates can be as low as $250 a month, each driver will see different rates based on personal factors.
Inshur coverage meets all TLC requirements and allows online application. The convenience of Inshur auto insurance may make drivers overlook poor BBB ratings.
We hope you’ve learned all you need to know about Inshur car insurance. Before you go, enter your ZIP code to compare auto insurance quotes from companies near you for free.
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