Inshur Auto Insurance Review (2022)

On average, Inshur auto insurance is about $250 a month. Inshur is an international company, but it provides rideshare and commercial car insurance in New York. Factors like age, vehicle, and driving record still impact your monthly rates with Inshur. Inshur auto insurance is designed specifically to meet New York's TLC insurance rules.

UPDATED: Jun 17, 2022Fact Checked

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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 Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jun 17, 2022

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A Concise Overview

  • Inshur provides TLC (Taxi and Limousine Commission) insurance for ridesharing vehicles
  • You can only purchase Inshur auto insurance in New York
  • Your Inshur auto insurance rates can be as low as $250 a month
  • Inshur is an international company that provides coverage in the United Kingdom, the Netherlands, and New York

Are you a driver living in New York who needs TLC insurance? Inshur is available in select areas in Europe, but New York motorists can buy Inshur auto insurance.

But how much is Inshur car insurance? And what auto insurance coverages are available at Inshur? Don’t worry – we’re here to help answer your questions.

Our Inshur auto insurance review explores the average cost of Inshur auto insurance, what factors affect your rates, and why specific vehicles need specific limits.

Read on to learn allabout Inshur auto insurance. Before you start, enter your ZIP code in the free online quote tool above to compare multiple insurance companies near you.

How much are Inshur auto insurance rates?

Inshur representatives reported that commercial drivers in New York could pay between $250 and $833 a month for Taxi & Limousine Commission (TLC) insurance.

TLC insurance is commercial auto insurance for all rideshare vehicles.

Inshur car insurance rates are private. Therefore, you can only get accurate Inshur auto insurance quotes from the company.

Although it’s challenging to find Inshur insurance rates on the web, we found a breakdown of the average car insurance cost for commercial vehicles.

Average Monthly Commercial Auto Insurance Rates
Car TypeMin. Monthly Cost Commercial Auto InsuranceMax Monthly Cost Commercial Auto Insurance
Cargo/Delivery Van$275$517
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Your Inshur auto insurance rates will vary. Several factors determine whether affordable Inshur auto insurance is available to you.

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Which factors determine the cost of Inshur auto insurance quotes?

A lot of details go into the cost of car insurance from Inshur. Here’s a list of factors that may influence your Inshur auto insurance quotes.

  • Make and model year of the vehicle
  • The value of the vehicle
  • Age of the driver(s)
  • Driving record of the driver(s)
  • Insurance claim history
  • The extent of the commercial car insurance coverage (such as coverage limit)
  • Number of vehicles on the policy

You should also consider how you’re using your vehicle. For example, Uber and Lyft drivers will likely pay less since they’re insuring one car.

Getting insurance coverage for a luxury vehicle is more expensive, since it’s more expensive to repair.

What are the minimum auto insurance limits for TLC?

Before you buy higher coverage with the Inshur Insurance Company, you should look at the minimum commercial car insurance limits for New York.

Check out the summary below to see the minimum New York commercial auto insurance limits.

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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CSL stands for combined single limit. It’s a predetermined coverage limit that combines the total limits of bodily injury liability and property damage liability per occurrence or accident.

These limits are much higher than personal car insurance. Commercial insurance protects you from expensive claims and lawsuits.

Does Inshur provide other insurance products to New York drivers?

Inshur talks about for-hire vehicle (FHV) insurance, but TLC insurance provides complete coverage for for-hire vehicles, vans, paratransit cars, and passenger cars.

All other insurance products offered at Inshur are strictly for drivers in the United Kingdom and the Netherlands.

How do other auto insurance companies compete with Inshur?

Inshur has significant competition with the best auto insurance companies in the United States. As a result, rideshare drivers and commercial businesses have several options.

Let’s look at the best commercial car insurance companies in the nation.

Top Commercial Auto 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, Travelers, and Liberty Mutual have the highest market share in the commercial auto insurance industry. Inshur doesn’t have a large enough market share to rank with the top companies.

Bear in mind that not all of these companies offer TLC insurance.

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Does Inshur Inc. have good ratings?

Inshur has a 4.6 out of 5.00-star rating from Trustpilot. However, Inshur has an “F” from the Better Business Bureau (BBB) and a one-star rating with BBB’s customer reviews.

Five complaints have been filed against Inshur, but only two complaints have been resolved in the last year.

The Inshur Insurance Company doesn’t have any ratings from A.M. Best or J.D. Power.

Inshur has a four-star rating on Google Play and a 4.8-star rating on the Apple App Store. But Inshur has a three-star rating on Google reviews. The company has been reviewed 128 times on Google.

How do I cancel Inshur auto insurance?

The  Inshur’s website doesn’t make it easy to find information on how to cancel your Inshur car insurance policy.

To get more information on how to cancel your Inshur auto insurance policy, contact the Inshur customer service phone number at 1-866-446-7487.

Inshur is open Monday through Friday, from 9 a.m. to 5 p.m.

Can I cancel my Inshur auto insurance policy at any time?

Inshur doesn’t give customers a lot of information on how to cancel. Contact Inshur by phone or email to get a clear answer. You can reach Inshur at [email protected]

How do I file an Inshur auto insurance claim?

Inshur claims can be filed by calling the toll-free number at 1-866-446-7487. Select option “2” to access the claims department. Or you can email Inshur’s claims department at [email protected]

Claims aren’t open 24/7. The regular business hours are Monday to Friday, 9 a.m. to 5 p.m.

What is Inshur?

Inshur Inc. is based in the United Kingdom. It was founded in 2016, and it provides commercial auto insurance through its mobile app.

Dan Bratshpis, David Daiches, Mathew Donfrancesco, Matthew Tomlinson, and Richard Anderson founded Inshur Holding Corp.

The Inshur Holding Corp targets ridesharers and businesses. New York is the only state in the United States where you can find Inshur car insurance.

Inshur also won the British Insurance Award for its diversity and inclusion, and the company earned $35 million after completing its Series B funding.

How many employees does Inshur have?

Inshur has over 150 people working on their insurance team. It has offices in the United States (New York), the United Kingdom, and the Netherlands.

Can I use my Uber login to sign in to Inshur?

Yes, you can. Inshur welcomes all ridesharers, but Uber drivers can use their driver login to sign into the Inshur mobile app.

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Inshur Auto Insurance: The Bottom Line

Inshur Inc. has limited international reach. The company is only available in New York,  England, and the Netherlands. Inshur auto insurance rates are private.

As a result, it’s hard to compare Inshur to other companies. However, if you need TLC insurance, it’s worth getting a quote.

Inshur operates entirely through its mobile app. Although it’s convenient for customers, Inshur has very poor customer review ratings with the BBB.

Before buying Inshur auto insurance, use our free comparison tool below to compare multiple insurance companies in your area.

Frequently Asked Questions: Inshur Auto Insurance

Do you want to know more about Inshur car insurance? Read these answers to frequently asked questions to learn more.

#1 – Is Inshur a good auto insurance company?

It depends on what you need. Inshur has had trouble with ratings, but it could make improvements in the future.

#2 – Can I buy Inshur auto insurance in New Jersey?

No, you can’t. Inshur is only available in New York.

#3 – Can Lyft drivers buy Inshur auto insurance?

Yes, but only in New York.

#4 – Is Inshur available 24/7?

Inshur is only available Monday through Friday, 9 a.m. to 5 p.m. There is no 24/7 customer service, but you can use the app any time.

#5 – Will Inshur be available to other states?

Since Inshur operates solely for the New York Taxi and Limousine Commission’s insurance rules, it’s hard to say if it will expand.

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