Inshur Auto Insurance Review (2024)
Inshur auto insurance is exclusively available online to New York City rideshare drivers. Rates are based on personal characteristics such as your driving record and can start as low as $250 per month. Although all rideshare drivers are covered by Inshur, everything from getting quotes to paying your bill must be done through the Inshur app, which requires an Uber login. Both TLC and New York state coverage standards are met by Inshur car insurance.
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Mary Martin
Published Legal Expert
Mary Martin has been a legal writer and editor for over 20 years, responsible for ensuring that content is straightforward, correct, and helpful for the consumer. In addition, she worked on writing monthly newsletter columns for media, lawyers, and consumers. Ms. Martin also has experience with internal staff and HR operations. Mary was employed for almost 30 years by the nationwide legal publi...
Published Legal Expert
UPDATED: Oct 27, 2024
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Inshur auto insurance is only available to rideshare drivers in New York City, and it meets all auto insurance requirements for drivers in the city.
Inshur is a new player in auto insurance and offers entirely digital access. Everything is done through the Inshur app, including getting a quote.
While Inshur isn’t rated well with the BBB, it boasts speed and convenience when compared to other companies offering rideshare coverage in NYC.
Drivers should shop around before buying Inshur auto insurance. Compare multiple companies to make sure you are getting your best deal.
Keep reading our Inshur auto insurance review to learn more. Enter your ZIP code now to compare free auto insurance quotes from companies in your area.
What is Inshur auto insurance?
Inshur only offers rideshare insurance to drivers in New York City. While Inshur is based in the U.K., coverage in the U.S. is available, but only in New York.
Insur is also completely digital. This means everything is done through the app, from Insur auto insurance quotes to managing your policy.
In order to sign up for the Inshur app, drivers must have an Uber login. This is a little confusing since Inshur offers coverage to all rideshare drivers, not just ones who drive for Uber.
Drivers must also be at least 21 years old and have a vehicle with no more than seven seats in order to get Inshur.
Coverage must also meet the New York Taxi & Limousine Commission (TLC) requirements. The TLC regulates all for-hire transportation in NYC, including rideshare.
Examples of TLC requirements include having a vehicle with no branding, and that is a model 2006 or newer.
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What are Inshur’s auto insurance rates?
Inshur auto insurance rates vary by the driver but usually fall between $250-$833 a month.
Inshur uses the usual factors that affect auto insurance to determine your rates. Your age, driving record, and ZIP code are a few of the factors that are combined to calculate your rates.
Since your driving record is perhaps the most important factor in what you pay for auto insurance, we will look at some sample rates reflecting that.
This table shows average annual rates for drivers based on driving records. Keep in mind these are just averages, and rates will vary by the driver.
Average Annual Auto Insurance Rates by Driving History| Insurance 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 |
|---|---|---|---|---|
 | $3,819.90 | $4,987.68 | $6,260.73 | $4,483.51 |
 | $2,693.61 | $3,722.75 | $4,330.24 | $3,026 |
 | $3,461 | $4,518.73 | $4,718.75 | $4,079 |
 | $2,146 | $3,192.77 | $4,875.87 | $2,645 |
 | $4,774 | $6,204.78 | $7,613.48 | $5,701 |
 | $2,746 | $3,396.95 | $4,543.20 | $3,114 |
 | $3,393 | $4,777.04 | $3,969.65 | $4,002 |
 | $2,821 | $3,396 | $3,637 | $3,186 |
 | $3,448 | $4,290 | $5,741 | $4,261 |
 | $1,934 | $2,516.24 | $3,506.03 | $2,193.25 |
A clean driving record will get you much lower auto insurance rates, whether for personal or rideshare coverage.
In addition to your driving record, TLC insurance also looks at your police record, the number of years as a commercial driver, additional training, and other factors to determine your rates.
Drivers can choose to pay for their Inshur coverage upfront or by making 10 monthly payments with a down payment of 15%-30%.
It should also be noted that Inshur is one of the few auto insurance companies that don’t offer discounts. However, drivers can get a $25 gift card for referrals.
What auto insurance coverages does Inshur offer?
Auto insurance from Inshur meets the TLC coverage requirements, as well as New York state requirements for auto insurance.
This table outlines the coverages required by the TLC.
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 |
Despite the extensive coverage required by the TLC, there is no requirement for coverage that protects your vehicle. Consider adding collision and comprehensive coverage to your Inshur policy.
Collision insurance covers damages to your vehicle that occur in an accident, and comprehensive insurance covers damages from other things like fire, theft, or vandalism.
Since Inshur auto insurance will cover personal use of your vehicle, you don’t need additional coverage. However, you want to make sure your vehicle is fully covered so that you don’t lose money if you are in an accident.
How do you cancel Inshur auto insurance?
While Inshur doesn’t give specific cancelation instructions, there are some basic steps to follow when canceling your Inshur auto insurance.
Steps to canceling Inshur auto insurance:
- Find out when your Inshur policy ends. If the end date is coming soon, it may be easier to switch when your policy expires.
- Shop around for new coverage. There are many companies that offer TLC insurance, but shopping from them can take time.
- Finalize your new auto insurance. Make sure it begins a day or two before the Inshur policy ends.
- Let Inshur know you’re leaving. Let them know the date you want your policy to end, and follow up to see if you are due a refund.
It’s very important that you have new coverage in place before you cancel your Inshur policy. A lapse in auto insurance can cause a lot of problems, including a possible driver’s license suspension and fines.
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What are the Inshur auto insurance ratings?
There are several different TLC insurers to choose from, so consider ratings as well as rates when picking an auto insurance company.
The Inshur auto insurance company hasn’t been around long enough to earn a rating from A.M. Best on financial stability. However, Inshur’s underwriter Clear Blue received an A- rating which shows excellent financial standing.
Inshur has been able to earn a rating from the Better Business Bureau (BBB) for customer interaction. Unfortunately, Inshur received an F rating, mainly for failing to respond to customer complaints.
Because Inshur depends heavily on its app, how well the app performs is also very important. However, the Inshur app only received a 3.3/5 rating in the Google Play Store. It did better in the Apple App Store and scored 4.7/5.
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Navigating Inshur Auto Insurance Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Inshur auto insurance, exclusively available online to New York City rideshare drivers, offers a convenient and digital approach to the claims process. While Inshur conducts most of its operations through its mobile app, it’s important to note that filing a claim isn’t done directly within the app.
To initiate a claim with Inshur, policyholders need to reach out to the company’s customer service via phone. This traditional approach may differ from the streamlined digital services provided for other aspects of the insurance process.
Average Claim Processing Time
Inshur boasts a relatively quick claims processing time, with reports indicating that claims are typically resolved within 7-10 days. Additionally, policyholders who have Nexar dashcams installed in their vehicles may find the claim initiation process expedited, as Nexar can automatically upload accident recordings to Inshur. This feature can be particularly helpful for those looking for a seamless claims experience.
Customer Feedback on Claim Resolutions and Payouts
Inshur’s approach to claims has received mixed feedback. While the claims process is known for its speed, customer feedback on claim resolutions and payouts has been variable. The company’s performance in this regard may be a consideration for prospective policyholders, as the satisfaction of claimants is a crucial aspect of any insurance provider’s reputation.
Unveiling Inshur Auto Insurance Digital and Technological Advancements
Mobile App Features and Functionality
Inshur distinguishes itself by providing a fully digital experience through its mobile app. The app serves as the central hub for all interactions with the insurer, from obtaining quotes to managing policies. However, it’s important to note that the claims process still involves contacting customer service by phone, which may not align with the fully digital experience policyholders experience for other aspects of their insurance journey.
Online Account Management Capabilities
Inshur’s online account management capabilities are designed to make policy management convenient for policyholders. Through the mobile app, policyholders can access and manage their policies, make payments, and view important documents. This digital convenience can streamline the administrative aspects of auto insurance.
Digital Tools and Resources
While Inshur primarily focuses on providing essential auto insurance services digitally, it’s worth mentioning that the company may offer additional digital tools and resources to enhance the overall customer experience. These tools may include features like policy management alerts, document storage, and other resources that can help policyholders stay informed and organized throughout their coverage period.
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Inshur Auto Insurance: The Bottom Line
Inshur exclusively offers rideshare coverage to drivers in New York City. While it meets all TLC requirements, it does have low BBB ratings.
Inshur requires drivers to use its app for everything, and many drivers find affordable Inshur auto insurance along with convenience.
Compare rates and ratings before you pick a car insurance company. Every company will offer drivers different rates, so shop around.
Now that you know about Inshur auto insurance, you’re ready to look for rideshare coverage. Enter your ZIP code to compare quotes from car insurance companies near you for free.