Inshur Auto Insurance Review: Should you buy in 2024?
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.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Jan 21, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: Jan 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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 Type | Min. Monthly Cost Commercial Auto Insurance | Max Monthly Cost Commercial Auto Insurance |
|---|---|---|
| Car | $50 | $200 |
| Semi | $667 | $1,042 |
| Cargo/Delivery Van | $275 | $517 |
| Limo | $333 | $500 |
| Cab | $417 | $833 |
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 Types | Seating Capacity | Minimum TLC Insurance Levels |
|---|---|---|
| Livery Vehicle & Black Car | 1-7 Passengers | $100K per person $300K per occurrence CSL $200K for Personal Injury Protection (PIP) |
| Livery Vehicle & Black Car | 8-15 Passengers | $1.5M per occurrence $200K PIP |
| Livery Vehicle & Black Car | 16-20 Passengers | $5M per occurrence $200K PIP |
| Luxury Limousine | 1-7 Passengers | $500K per person $1M per occurrence CSL $200K PIP |
| Luxury Limousine | 8-15 Passengers | $1.5M per occurrence $200K PIP |
| Luxury Limousine | 16-20 Passengers | $5M per occurrence $200K PIP |
| Commuter Van | 1-7 Passengers | $100K per person $300K per occurrence CSL $50K for property damage |
| Commuter Van | 16-20 Passengers | $500K per occurrence CSL $50K for property damage |
| Medallion | 1-7 Passengers | $100K per person $300K per occurrence CSL $200K PIP |
| Paratransit Vehicle | N/A | $100K per person $200K for no-fault coverage $300K for bodily injury liability per accident $10K for property damage liability per accident |
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
| Company | Direct Premiums Written | Market Share |
|---|---|---|
| Progressive | $4.4 Billion | 10.90% |
| Travelers | $2.6 Billion | 6.30% |
| Liberty Mutual | $1.8 Billion | 4.40% |
| Nationwide | $1.6 Billion | 4% |
| Berkshire Hathaway | $1.5 Billion | 3.70% |
| Old Republic | $1.4 BIllion | 3.60% |
| Zurich Insurance | $1.4 Billion | 3.40% |
| Auto-Owners | $994.9 Million | 2.50% |
| Tokio Marine Group | $761.7 Million | 1.90% |
| Chubb Ltd | $740.7 Million | 1.80% |
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.
Read more: Auto-Owners Auto Insurance Review: Should you buy
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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
What is Inshur Auto Insurance?
Inshur Auto Insurance is an insurance company that offers coverage for personal vehicles. They provide insurance policies through their mobile app, allowing customers to easily manage their policies and file claims.
What types of coverage does Inshur Auto Insurance offer?
Inshur Auto Insurance offers a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP). They also offer additional features such as roadside assistance and rental car coverage.
How can I purchase insurance from Inshur?
You can purchase insurance from Inshur by downloading their mobile app from the App Store or Google Play Store. Through the app, you can get a quote, customize your coverage, and purchase a policy.
Is Inshur Auto Insurance available in all states?
Inshur Auto Insurance is currently available in select states within the United States. It’s important to check their website or contact their customer service to see if they offer coverage in your state.
How are claims handled with Inshur Auto Insurance?
Inshur Auto Insurance has a user-friendly claims process through their mobile app. You can easily file a claim by providing relevant details and supporting documentation. Their claims team will then review the claim and work towards a resolution.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
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.