Inshur Car Insurance Review & Complaints (2025)

Inshur car insurance is only offered online and only to rideshare drivers in New York City. Ratings aren’t that great, but ease of signing up and use makes it one of the best car insurance companies for rideshare drivers in NYC.

It’s possible to find affordable Inshur car insurance, but you should still shop around. Compare companies that offer rideshare coverage in addition to personal use coverage.

Keep reading our Inshur car insurance review to learn more. Enter your ZIP code to compare car insurance quotes from companies near you for free.

What is Inshur car insurance?

Inshur is a completely digital car insurance company that only offers coverage to rideshare drivers in New York City. Although the company also operates in the U.K., it offers extremely limited coverage in the U.S.

In order to qualify for Inshur coverage, drivers must be at least 21 years old, have a vehicle with no more than seven seats, and have an Uber login.

Although drivers can work for any rideshare, Inshur requires an Uber login to access the app where all insurance information is stored.

Drivers also must meet all vehicle requirements from the New York Taxi & Limousine Commission (TLC), such as having a clean vehicle with no cosmetic damage. Vehicles also can’t be older than 2006.

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 vehicles.

What are Inshur car insurance rates?

Inshur car insurance rates vary depending on the individual, but they often range from $3,000 to $10,000 per year or $250 to $833 per month.

Rates will be determined by the driver’s age, length of time driving for a ridesharing company, and driving record.

You’ll also use the Inshur app to make a credit or debit card payment. You have the option of paying in full or in installments.

If you opt to pay in installments, you will be required to pay a deposit of 15% to 30% of your monthly rates. The remaining sum is spread out over ten months.

Although Inshur does not offer any car insurance discounts, drivers who refer other drivers can receive a $25 Amazon gift card.

How are Inshur car insurance rates calculated?

Inshur car insurance quotes are calculated using the standard factors that affect car insurance rates.

Car insurance companies look at your age, where you live, the vehicle you drive, and even your credit score to determine your rates.

Perhaps the biggest factor used to calculate your rates is your driving history. Your driving record shows just how risky you are to insure.

This table shows the average rates based on driving history. You may be surprised to see how much extra you will pay for bad driving.

Average Annual Car Insurance Rates by Driving History

Drivers with accidents, tickets, and DUIs will pay much higher rates than drivers with a clean record.

If you drive for a rideshare company, it’s especially important that you are a safe driver.

What car insurance coverages are offered by Inshur?

Inshur offers car insurance coverage that meets the TLC requirements in New York City. While the company doesn’t offer personal car insurance separately, the rideshare coverage offered does extend to personal use of your vehicle.

This table shows you TLC coverage requirements.

TLC Car Insurance Coverage

TLC requires drivers to carry liability coverage, but that doesn’t pay for damages to your vehicle. You would need to add collision coverage to help pay for repairs or replacement of your car.

Consider adding collision coverage if:

• You lease a car
• You have a loan on your car
• Repair to your vehicle can’t be paid out-of-pocket
• You have an older car that isn’t expensive to replace

Your vehicle is not just used for your pleasure, but it’s how you make money. Consider adding coverages that will help you continue to earn a paycheck and make it easier for you to get back on the road after an accident.

How do you cancel Inshur car insurance?

Inshur doesn’t offer any details of its cancellation process online. However, the process is generally the same for all companies. The only things that are up in the air are if you have to pay a cancellation fee and if you get a refund if you prepay.

Because Inshur offers rideshare insurance that will also cover personal use, it can be tricky to switch companies. You will need to find a company that meets the TLC requirements as well as fits your personal needs.

Once you do find a car insurance company to switch to, be sure to start your new policy a day or two before your Inshur policy end. This prevents a costly lapse in coverage that can cost you fines and a driver’s license suspension.

Claims Process at Inshur Car Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Inshur Car Insurance offers a convenient claims process designed to cater to the needs of rideshare drivers in New York City. However, it’s essential to understand the ease of filing a claim with this insurer.

Inshur operates exclusively online, and all interactions with the company, including filing a claim, are facilitated through their mobile app. While the app streamlines many aspects of insurance management, filing a claim currently requires contacting their customer service via phone.

It’s worth noting that Inshur is working on adding claim filing functionality to their app, which could further improve the process.

Average Claim Processing Time

One of the notable advantages of Inshur Car Insurance is its commitment to quick claim resolution. The company boasts an impressive claim processing time, with most claims being handled within 7 to 10 days. This swift turnaround can be a significant relief for rideshare drivers who rely on their vehicles for income.

Customer Feedback on Claim Resolutions and Payouts

While Inshur’s claims process aims for efficiency, it’s equally important to consider customer feedback on the actual claim resolutions and payouts. Customer reviews and ratings can provide valuable insights into the company’s performance in this crucial aspect of insurance.

Digital and Technological Features of Inshur Car Insurance

Mobile App Features and Functionality

Inshur Car Insurance stands out in the insurance industry for its digital-first approach. The heart of this approach lies in their mobile app, which serves as the central hub for all interactions with the company. It’s essential to explore the features and functionality of this app, as it plays a pivotal role in policy management, claims, and overall customer experience.

Online Account Management Capabilities

In addition to the mobile app, Inshur offers online account management capabilities. Policyholders can access their accounts via the website, providing an alternative option for those who prefer web-based interactions over mobile app usage. Understanding the extent of online account management features and convenience is crucial for prospective customers.

Digital Tools and Resources

The use of digital tools and resources can greatly enhance the insurance experience. Inshur Car Insurance is committed to offering a seamless digital experience, but it’s essential to delve into the specific tools and resources available to policyholders. These resources can include educational materials, policy documentation access, and tools for understanding coverage options.

What are the Inshur Car insurance ratings?

Most drivers concentrate on rates when they are looking for car insurance. However, ratings are just as important because you need to be sure your insurance company is there when you need them.

A.M. Best rates companies on financial stability, but Inshur hasn’t been around long enough to earn a rating. The Inshur underwriter Clear Blue received an A- rating showing an excellent ability to meet financial obligations.

Inshur has been rated by the Better Business Bureau (BBB), which rates businesses on how well they interact with customers. However, Inshur received an F rating mainly because it doesn’t respond to complaints.

Drivers are expected to use the Inshur app for all insurance needs, so app ratings are also very important. The Insure 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 car insurance offers rideshare drivers an easy option to meet TLC requirements in New York City.

Although rates are about average, the process of signing up and actual usage of the Inshur app is very easy.

Before you buy Inshur car insurance, shop around to make sure you are getting the best deal. Compare multiple car insurance companies to see who can offer you the coverage you need with low rates.

We hope that you’ve learned all you need to know about Inshur auto insurance. Before you leave, enter your ZIP code to compare free car insurance quotes from companies in your area.