Inshur Car Insurance Review in 2022
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UPDATED: Nov 23, 2021
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- Inshur car insurance writes policies for rideshare drivers in New York City
- Inshur uses an app for quotes and most insurance needs such as ID cards
- Drivers must be at least 21 years old and have an Uber login to get Inshur coverage
Inshur is a unique car insurance company based in the U.K. In the U.S., it only offers rideshare coverage. Specifically, Inshur car insurance meets all requirements for rideshare drivers in New York City.
While New York City car insurance rates are pretty high, Inshur’s rideshare coverage is as little as $250 a month. So if you’re looking for car insurane as a rideshare driver in NYC, read on and we’ll explain more.
Although you can find affordable Inshur car insurance, you should definitely shop around. Compare companies that offer a combination of rideshare and personal use coverage to find your best deal.
Keep reading our Inshur car insurance review to learn more. Enter your ZIP code before you scroll down to compare free car insurance quotes from companies near you.
What is the Inshur car insurance company?
Inshur is a unique car insurance company. It’s completely digital and only offers rideshare coverage in New York City.
You can only get Inshur car insurance quotes through the app, and you have to have an Uber login. However, even though you need an Uber login, you can drive for any rideshare company and get Inshur coverage.
To get Inshur car insurance, you must also be at least 21 years old and have a vehicle that seats seven people or less.
Drivers also have to meet the New York Taxi & Limousine Commission (TLC) requirements. The TLC regulates all for-hire vehicles in New York City.
Vehicle requirements include:
- A clean vehicle
- No cosmetic damages
- Must be 2006 or newer
- No commercial branding
Inshur is the first car insurance company in New York to offer TLC insurance online, allowing drivers to get coverage fast.
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 vehicle information.
What are Inshur car insurance rates?
Inshur calculates car insurance rates much the same way as other companies. However, rideshare coverage costs between $250-$833 a month, depending on your personal factors.
Drivers can pay for coverage upfront or make payments. If you pay in 10 monthly installments, you will also have to pay a deposit. The deposit ranges from 15%-30%.
Like other car insurance companies, Inshur looks at certain factors to determine the cost of your coverage. Common factors used to calculate rates include your age, ZIP code, and vehicle type.
One of the biggest factors is your driving record. Your record indicates how much of a risk you are to insure.
This table shows you how much your driving record affects your auto insurance rates.
|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|
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Drivers with tickets, accidents, and DUIs will see much higher rates. You might also have a hard time finding rideshare coverage with a bad driving record.
What car insurance coverages does Inshur offer?
Inshur only offers rideshare coverage to drivers in New York City. However, it does extend coverage to personal use of your vehicle.
Coverages offered by Inshur meet the TLC requirements for drivers. This table shows you what coverages are required.
|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|
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It should be noted that the TLC required coverages do not include paying for damages to your vehicle. You would need to add collision coverage.
Collision insurance covers damages to your vehicle resulting from an accident. While you will still have to pay a deductible, your out-of-pocket costs would be limited.
Consider adding collision coverage if:
- You have a lease or car loan. Lenders will require you to carry full coverage for the duration of your loan.
- Your vehicle is new or expensive. If your car is older or inexpensive, it may be cheaper, in the long run, to pay for repairs or a replacement vehicle yourself.
You might also want to consider adding comprehensive coverage. Comprehensive insurance covers damages to your vehicle that’s from an incident other than an accident, such as fire, theft, or vandalism.
How do you cancel Inshur car insurance?
Inshur doesn’t go into details on how to cancel your coverage or if you will receive a refund if you pay in advance.
However, drivers can usually cancel car insurance at any time for any reason. Some companies require a written cancellation request, but others are willing to cancel coverage over the phone.
No matter what, have new coverage in place before you cancel your Inshur car insurance. Failure to do so can result in fines, driver’s license suspension, and possibly have your car impounded.
How do you file a car insurance claim with Inshur?
It’s easy to file an accident claim with Inshur. While most things are done through the app, Inshur asks that drivers call (866) 446-7487 and select option 2 or email [email protected] to file a claim.
If you have a Nexar dashcam, the process is even easier. After registering your dashcam with Inshur, a video of your accident is automatically uploaded to the company.
Keep in mind that filing a claim can raise your car insurance rates. If at all possible, consider paying for damages yourself to keep rates low.
What are the Inshur car insurance ratings?
Rates aren’t the only thing to consider when looking for a car insurance company. Whether or not the company is stable and has good customer service is also very important.
Inshur hasn’t been in the U.S. long enough to establish a stable financial rating. A.M. Best hasn’t rated the company yet on financial stability.
However, Inshur’s underwriter Clear Blue received an A- rating showing an excellent ability to pay claims. As a result, drivers can be confident Inshur is backed by a very stable company.
The Better Business Bureau (BBB) has rated Inshur. The BBB issues ratings based on customer service, and Inshur received an F. The low rating is the result of many complaints and the company’s lack of response.
How well the Inshur app rates is also important since the app is used for most interactions. Ratings are mixed across the Google and App platforms. The Inshur app received a 3.9/5 in the Google Play Store and a 4.7/5 in the Apple App Store.
Inshur Car Insurance: The Bottom Line
Inshur offers NYC rideshare drivers coverage that meets the TLC requirements. Although the company makes it easy to get coverage and access your information, reviews aren’t very good.
So, before you buy Inshur car insurance, shop around to make sure the company is right for you. Compare rates and ratings to find the best coverage with the lowest rates.
Now that you know about Inshur auto insurance, you’re ready to comparison shop. Enter your ZIP code now to compare free car insurance quotes from companies in your area.
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