Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 24, 2022

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At a Glance

  • Inshur auto insurance company sells policies to rideshare drivers in New York City
  • This company operates entirely online, so you must use the company website and mobile app for all insurance needs
  • To request a quote from Inshur, you must have Uber driver login credentials

Only rideshare drivers in New York City can purchase Inshur auto insurance policies. The company operates 100% digitally, so you must use the company website and mobile app for all of your insurance needs.

Applying for Inshur auto insurance quotes is quick, easy, and convenient. But this company did receive some negative customer reviews that you should be aware of while shopping around for your best coverage.

In this Inshur auto insurance review, compare financial ratings and customer reviews, learn about the claims center and the quote process, and determine if this company can offer you cheap automobile insurance.

After learning how to buy Inshur auto insurance below, secure your best possible coverage by entering your ZIP code into our free rate tool above to get free quotes from the top companies near you.

What is Inshur auto insurance?

The Inshur auto insurance company is a 100% digital company that only sells policies to rideshare drivers living in New York City.

Technically, Inshur also operates in the Netherlands and the United Kingdom, but its availability in the United States is limited to New York City.

There are some requirements you must meet in order to buy Inshur auto insurance.

For example, you must be over 24 years old, own a car with up to seven seats, and have Uber driver login credentials.

While this company does cover rideshare drivers on any platform, you need the Uber login in order to sign up for the Inshur mobile app.

The mobile app is vital to your coverage, as this company only operates in a digital capacity.

All rideshare drivers in New York City must meet the requirements set by the New York Taxi & Limousine Commission (TLC).

Sometimes called TLC drivers, these regulations apply to all rideshare services, including Uber, Lyft, and even luxury black car and limousine services.

Fortunately, you can purchase the necessary amounts of auto insurance coverage from Inshur to meet the New York City minimum levels.

In the table below, see how much auto insurance coverage is required according to the TLC requirements in New York City.

TLC Auto Insurance Coverage Requirements in New York
Coverage TypeMinimum Coverage AmountRequirement Status
Bodily injury liability coverage per person$100,000Mandatory
Bodily injury liability coverage per incident$300,000Mandatory
Property damage liability coverage$10,000Mandatory
Personal injury protection (PIP) insurance$200,000Mandatory
Collision insuranceOptionalOptional
Comprehensive insuranceOptionalOptional
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Know that liability insurance only covers damages for the other party involved in an accident if you’re found at fault for causing it. It does not pay for repairs for your own property or vehicle.

For that, you must invest in collision insurance, which covers you during an accident regardless of fault. Some insurance experts also recommend adding comprehensive coverage to your policy.

Comprehensive insurance protects your vehicle from damage while it’s parked, including auto theft, vandalism, acts of nature, fires, and flooding.

However, the required PIP insurance does help with your own medical costs as well as the costs of any of your passengers, regardless of fault.

Despite not offering separate coverage for personal vehicle use, your Inshur policy does apply to social, domestic, and pleasure use of your car as well.

Interestingly, all Inshur auto insurance policies are actually underwritten by Clear Blue, an insurance company headquartered in Charlotte, North Carolina.

However, you must use the Inshur app or company website to pay your bills, access your ID cards, make any necessary policy changes, file claims, and more.

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How do you get Inshur auto insurance quotes?

You must download the Inshur mobile app to request Inshur auto insurance quotes. The company does not provide quotes through its customer service phone number.

If you receive a rate you’re unhappy with, you cannot negotiate a different cost.

The Inshur mobile app is compatible with most Android and Apple devices. After downloading it, you must create your account and answer a few questions.

The quote application process takes only a few minutes. Once you receive your rate, your policy starts as soon as you submit payment.

However, you can also buy Inshur auto insurance policies 45 days in advance of your coverage start date if you desire.

Your ID cards are emailed to you once your policy is in place. However, you can also access them in the mobile app at any time.

What are the average Inshur auto insurance rates?

Inshur auto insurance rates are not currently publicly available. However, sources suggest rates from Inshur range from $250 to $850 per month or $3,000 to $10,2000 annually on average.

While many different factors impact your auto insurance rates, your Inshur costs primarily depend on your age, driving record, and the length of time you’ve been with your ridesharing company.

You can also compare your quote from Inshur to the average cost of auto insurance in New York.

Specifically, it typically costs drivers in New York City $623 per month or $7,482 annually for auto insurance coverage.

Keep in mind, the average cost represents personal auto insurance policies in your city, not policies specifically for TLC drivers.

How do you file auto insurance claims with Inshur?

Even though Inshur operates entirely online, you do work directly with a licensed agent when it comes to filing an auto insurance claim.

You can access your mobile app or call the customer service number directly. If you use your mobile app, it simply connects you to one of the live Inshur agents.

While there is currently no digital claims process at this time, the company does hope to release that feature on the app at a later date.

Interestingly, Inshur used to use a separate company for all auto insurance claims. However, it took an average of 30 to 35 days for drivers to receive their payments.

So in 2019, the company decided to renovate its claims process and make it an internal branch. By 2020, Inshur started taking on all claims itself from start to finish.

Today, the average payment time for drivers is down to seven days or less.

Inshur also partners with a dashcam company and suggests all drivers consider signing up for a camera.

If you do so, any video footage of an accident is sent directly to Inshur to assist with the claims process. In some cases, the company even starts the claim for you before you even call.

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Does Inshur have auto insurance discounts?

While many other auto insurance companies offer discounts to drivers, Inshur does not publically advertise any available rate reductions for customers.

Technically, the company offers small referral bonuses to customers who use valid referral or VIP codes when requesting a new quote.

However, the promotion is only available to UK customers and does not apply to American drivers.

For more information about any potential saving opportunities available through Inshur, contact a customer service representative over the phone.

How are the Inshur ratings and reviews?

Understanding an insurance company’s customer ratings and financial reviews helps you determine if the company is reliable and efficient before actually purchasing a policy.

However, Inshur has not been evaluated by A.M. Best, one of the leading credit rating agencies.

So instead, we’ll look at scores for Clear Blue, the company that underwrites all Inshur policies.

Clear Blue received an A- score from A.M. Best. An A- implies that Clear Blue is in a solid financial position. It can reliably follow through on any financial obligations for policyholders.

Clear Blue also received a complaint index of 2.49, according to the National Association of Insurance Commissioners (NAIC). The median is always set to 1.00, and lower scores are better.

So a 2.49 means Clear Blue received twice as many customer complaints as expected in the industry. Fortunately, this is not too concerning of a score.

However, Inshur is not accredited by the Better Business Bureau (BBB) but did earn an F rating. The low score is primarily because the company does not respond to complaints.

While you shop around for your best auto insurance coverage, keep the Inshur customer experience in mind.

What is the history of Inshur?

The current CEO and co-founder of Inshur, Dan Bratshpis, created the company in 2016. Initially, it offered only commercial auto insurance policies for rideshare drivers in New York.

The company that underwrites the American policies, Clear Blue, was founded in 2015 by Jerome Breslin.

But shortly after 2016, Inshur quickly expanded into the United Kingdom and the Netherlands. To this day, it still aims to offer seamless commercial auto insurance policies at a 100% digital capacity.

Despite existing primarily online, Inshur also has an international team of over 150 people to provide in-person support to drivers whenever necessary.

As of 2021, the company completed its Series B funding, bringing the total amount raised to $35 million.

With the funding secured, Inshur plans to continue expanding its commercial auto insurance offerings throughout New York, the UK, and the Netherlands.

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Inshur Auto Insurance: The Bottom Line

Overall, if you live in New York City and work with a rideshare service, consider looking into Inshur for your commercial auto insurance coverage.

Applying for a quote is fast and simple, and the coverage meets all TLC requirements for New York City.

However, before purchasing a policy, remember to compare other quotes from additional auto insurance companies.

Inshur currently is not rated by the leading credit rating agencies, plus it does have a handful of negative customer reviews circulating around online.

Plus, you can secure commercial insurance that meets the TLC requirements from most of the best auto insurance companies.

Otherwise, if you do not live in New York and do not need commercial auto insurance, this company is not the right fit for you.

Similarly, if you do not have Uber login credentials, you cannot even request a quote from this company. Signing up for an Uber account simply for an auto insurance quote may not be the best choice for all drivers.

Affordable Inshur auto insurance is only available in New York City, but you can enter your ZIP code into our free rate comparison tool below  forquotes from the top companies near you right now.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.