Inshur Car Insurance Review (2022)

Inshur car insurance rates are at least $250 a month on average. However, Inshur auto insurance varies for each driver. Inshur car insurance policies are only available to rideshare drivers and commercial transit companies in New York, the United Kingdom, and the Netherlands. Uber drivers can use their login to access Inshur, but they'll need to get a policy.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Jan 6, 2022

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Things to Know

  • Inshur is only available in NYC and meets TLC requirements
  • On average, Inshur car insurance is $250 per month
  • TLC insurance is required for rideshare drivers in New York City
  • Inshur started in the United Kingdom

Are you a New York rideshare driver who needs reliable auto insurance? There are several options available, but Inshur car insurance is one of the few convenient options you can purchase.

But how do you get Inshur car insurance quotes? Don’t worry – we’re here to help.

Our guide answers all your questions about Inshur auto insurance, how much Inshur costs per month, and what factors determine Inshur insurance rates.

Read this guide to learn more about Inshur car insurance. Use our free online quote tool above if you’re ready to start comparing multiple insurance companies near you.

What is Inshur, and how does it work?

Inshur UK Limited (or Inshur) is based in the United Kingdom and provides commercial car insurance through a mobile app in the U.K., the Netherlands, and New York.

Inshur targets commercial drivers, such as private rideshares and commercial passenger companies.

Drivers and companies can sign up for Inshur through the Inshur mobile app or on the Inshur website.

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How much is Inshur car insurance?

Although Inshur auto insurance rates are private, we found out that New York drivers with an Inshur policy pay $250 to $833 a month. But rates vary for each driver.

We couldn’t locate U.K. and Netherland rates, and Inshur doesn’t provide coverage to any other U.S. area outside of New York.

But we did find how commercial car insurance rates vary, which is likely to occur with your Inshur insurance policy.

Here are the average rates for commercial auto insurance.

Average Monthly Commercial Car Insurance Rates
Car TypeMin. Monthly Cost Commercial Auto InsuranceMax Monthly Cost Commercial Auto Insurance
Cargo/Delivery Van$275$517
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Expect your Inshur car insurance rates to vary like the table above. Rideshare drivers who use Uber or Lyft won’t pay as much to companies with multiple vehicles.

Why are Inshur car insurance rates so expensive?

Multiple factors determine whether affordable Inshur car insurance is available to you. Although Inshur auto insurance quotes are private, several characteristics affect your quotes. These factors include:

  • The make and model year of your car
  • Your vehicle’s value
  • The driver’s age
  • Overall driving record
  • Coverage limits
  • The number of vehicles on the commercial car insurance policy

Inshur customers have different situations. Therefore, monthly rates will vary for each driver or company. Since Inshur only insures rideshare drivers rates are higher than for a personal insurance policy due to the increased risk.

What are the minimum car insurance requirements for TLC drivers in New York?

TLC stands for Taxi & Limousine Commission, and it established rules for rideshare drivers, taxis, limousines, and other transits in New York.

So when you need TLC insurance in New York, you’ll need to shop with companies like Inshur to get coverage.

But you’ll have coverage limits that are much different than New York’s standard auto insurance requirements.

Check out the information below to see the TLC insurance limits for various vehicles in New York.

New York's Minimum TLC Insurance Limits
Vehicle TypesSeating CapacityMinimum TLC Insurance Levels
Livery Vehicle & Black Car1-7 Passengers$100K per person
$300K per occurrence CSL
$200K for Personal Injury Protection (PIP)
Livery Vehicle & Black Car8-15 Passengers$1.5M per occurrence
$200K PIP
Livery Vehicle & Black Car16-20 Passengers$5M per occurrence
$200K PIP
Luxury Limousine1-7 Passengers$500K per person
$1M per occurrence CSL
$200K PIP
Luxury Limousine8-15 Passengers$1.5M per occurrence
$200K PIP
Luxury Limousine16-20 Passengers$5M per occurrence
$200K PIP
Commuter Van1-7 Passengers$100K per person
$300K per occurrence CSL
$50K for property damage
Commuter Van16-20 Passengers$500K per occurrence CSL
$50K for property damage
Medallion 1-7 Passengers$100K per person
$300K per occurrence CSL
$200K PIP
Paratransit VehicleN/A$100K per person
$200K for no-fault coverage
$300K for bodily injury liability per accident
$10K for property damage liability per accident
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The more you need to cover your vehicle, the more you’ll pay for TLC insurance (commercial car insurance). However, you can secure several discounts based on your situation.

The combined single limit (or CSL) is the total limit of bodily injury liability and property damage liability per incident. As you can see, these limits are much higher than New York’s auto insurance requirement.

Can you get other Inshur products in New York?

The Inshur website mentions for-hire vehicle (FHV) insurance, but you won’t need it if you get TLC insurance from Inshur.

An Inshur car insurance policy provides everything FHV insurance does, so New York drivers won’t need extra coverage.

Inshur doesn’t sell other products like homeowners or renters insurance at the moment.

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What are the best commercial car insurance companies that compete with Inshur?

Inshur isn’t the only company that provides convenient commercial auto insurance. The best car insurance companies have bigger market shares and earn more than Inshur in the United States.

But which insurance companies are best? Let’s examine the top commercial insurance companies in the nation.

Top 10 Commercial Car Insurance Companies by Market Share and Direct Premiums Written
CompanyDirect Premiums WrittenMarket Share
Progressive$4.4 Billion10.90%
Travelers$2.6 Billion6.30%
Liberty Mutual$1.8 Billion4.40%
Nationwide$1.6 Billion4%
Berkshire Hathaway$1.5 Billion3.70%
Old Republic$1.4 BIllion3.60%
Zurich Insurance$1.4 Billion3.40%
Auto-Owners$994.9 Million2.50%
Tokio Marine Group$761.7 Million1.90%
Chubb Ltd$740.7 Million1.80%
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Progressive is the best commercial auto insurance company in the U.S. It’s earned over $4.4 billion and has a market share of 11%. Chubb Ltd. has the lowest market share in the top ten list.

Does Inshur have good ratings?

No, it doesn’t. Inshur has struggled with customer reviews from the Better Business Bureau (BBB). Inshur’s current rating at the BBB is an “F,” and its customer review rating has one star.

Inshur doesn’t have ratings from J.D. Power and A.M. Best, but it has a 4.8-star rating from the Apple App Store and Google Play Store.

How do you cancel an Inshur car insurance policy?

Inshur’s wesbite doesn’t have direct instructions on how you cancel an insurance policy.

The best way to cancel is by contacting Inshur customer service at 1-866-446-7487. Inshur is available from 9 a.m. to 5 p.m., Monday through Friday.

You can cancel your Inshur auto insurance policy at any time. If you need more information, contact Inshur at [email protected]

How do you file an Inshur car insurance claim?

You can file a claim with Inshur customer service by contacting Inshur’s toll-free number and selecting option two. You’ll be connected to the claims department.

For faster service, email Inshur’s claims department at [email protected] Be sure to include your name, address, and policy number.

The Inshur claims department isn’t available seven days a week. You’ll have to contact them within regular business hours.

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What are some interesting facts about Inshur UK Limited?

Inshur was founded in 2016 by Dan Bratshpis, David Daiches, Mathew Donfrancesco, Matthew Tomlinson, and Richard Anderson.

Initially, the company was known as the Inshur Holding Corporation.

Inshur Inc. provides rideshare drivers and commercial businesses with easy-to-use auto insurance through a mobile phone app.

Also, Uber drivers who have Inshur can use their Uber logins to access their Inshur car insurance policy.

Although Inshur was able to spread throughout the U.K., it hasn’t expanded to other areas in the United States.

However, Inshur earned the British Insurance Award for its earning potential and active role in diversity and inclusion in the workplace.

Inshur Car Insurance: The Bottom Line

Inshur car insurance has a short reach compared to other companies in the United Kingdom and the United States.

However, New York rideshare drivers can take advantage of Inshur’s easy access. Customers can start policies online and manage their Inshur auto insurance policy on their smartphones.

Before you decide to buy Inshur car insurance, enter your ZIP code in the free online quote tool below to compare various insurance companies in your area.

Frequently Asked Questions: Inshur Car Insurance

If you want to know more about Inshur auto insurance, read these answers to frequently asked questions to learn more details about the company.

#1 – Is Inshur UK Limited a good insurance company?

It depends on the driver. It’s won an award, but it struggles with customer reviews.

#2 – Can I buy Inshur car insurance in the state of New Jersey?

No, you can’t. Inshur auto insurance policies are only available in New York, the United Kingdom, and the Netherlands.

#3 – Can Lyft drivers get an insurance policy at Inshur UK Limited?

Yes, they can. However, Lyft drivers must be within Inshur’s coverage area.

#4 – Will Inshur UK Limited ever be available in other states?

There is currently no information on expansion plans, but it is possible.

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