Inshur Car Insurance Review (2022)

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…

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Reviewed by

Rachael Brennan

Licensed Insurance Agent

UPDATED: Jan 14, 2022

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Here's the Scoop

  • Inshur car insurance company only sells policies to rideshare drivers in New York City
  • This company only operates online, so you must use the mobile app and website for any insurance needs
  • To buy Inshur car insurance, you also need to have Uber driver login credentials

Inshur car insurance company sells car insurance policies to rideshare drivers only in New York City.

The company also operates entirely online, so you must use the mobile app and company website for any insurance needs.

Despite receiving some poor customer reviews, signing up for an Inshur car insurance policy is easy and convenient for most drivers.

However, you do need Uber driver login credentials to request coverage.

In this Inshur car insurance review, learn more about precisely what Inshur covers, how to request a quote, file a claim, and more to help you determine if this company can provide you with cheap car insurance.

Affordable Inshur car insurance only applies to rideshare drivers, but you can quickly compare and secure quotes from the top companies near you for free by entering your ZIP code into our rate tool above.

Table of Contents

What is Inshur car insurance?

Inshur car insurance company sells policies to rideshare drivers in New York City and operates at a 100% digital capacity.

However, this company also provides services in parts of the Netherlands and the United Kingdom, but its availability in the United States is limited to only New York City.

To secure coverage from Inshur, you must meet a few requirements.

For example, your car must have up to seven seats, you need to be older than 24-years-old, and you need Uber driver login credentials.

Technically, Inshur covers rideshare drivers from any platform. However, in order to sign up for the company’s app, you must have an Uber login.

Because this company only operates online, access to the app is necessary. In fact, you can only request quotes through the app itself.

In New York City, all rideshare drivers must meet the requirements set by the New York Taxi & Limousine Commission (TLC).

Often referred to as TLC drivers, the regulations apply to all services, including Uber, Lyft, and luxury black car and limousine services.

But don’t worry, you can purchase at least the minimum required insurance levels from Inshur as set by the TLC.

The table below shows exactly how much car insurance coverage is required in New York City as determined by the TLC.

TLC Car Insurance Coverage Requirements in New York

Coverage Type Minimum Coverage Amount Requirement Status
Bodily injury liability coverage per person $100,000 Mandatory
Bodily injury liability coverage per incident $300,000 Mandatory
Property damage liability coverage $10,000 Mandatory
Personal injury protection (PIP) insurance $200,000 Mandatory
Collision insurance Optional Optional
Comprehensive insurance Optional Optional
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Keep in mind that liability insurance only covers damage to the other party if you’re ever at fault for causing an accident.

The mandatory PIP insurance does help cover medical bills for you and any of your passengers, regardless of fault.

But none of the required car insurance types pay for damage to your own vehicle. So in order to secure that type of protection, you need to invest in collision insurance.

Some insurance experts also suggest adding comprehensive coverage, also called parked car insurance, to protect your vehicle from things like theft, weather damage, fires, and vandalism.

Inshur does not offer any additional personal car insurance policies. However, your policy does extend to social, domestic, and pleasure use of your car.

All Inshur car insurance policies are underwritten by Clear Blue, a company headquartered in Charlotte, North Carolina.

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

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How do you request Inshur car insurance quotes?

To request Inshur car insurance quotes, you must download the Inshur mobile app. However, downloading the app does not rope you into purchasing a policy.

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

The quote application process takes only a few minutes. But you can purchase a policy up to 45 days prior to your policy start date.

Unfortunately, if your quoted rate is higher than you desire, you cannot negotiate a different rate.

Plus, totals are only given to you through the mobile app, not by customer service representatives over the phone.

Your policy goes live once you submit payment or on the start date you selected if it’s at a future date. Your ID cards are then sent to you through email, but you can also access them in the mobile app at any time.

What are the average Inshur car insurance rates?

Unfortunately, Inshur car insurance rates are not publicly available at this time. Plus, many variables affect the average cost of car insurance.

However, sources suggest rates from this company range between $250 to $850 per month or $3,000 to $10,200 annually on average.

Your Inshur car insurance costs are based on many factors, but costs are primarily determined based on your age, driving record, and the amount of time you’ve worked for your ridesharing company.

If you request a quote, you can also compare it to the average cost of car insurance in New York City.

According to our data, coverage costs around $623 per month or $7,482 annually on average in the Big Apple.

However, this average represents personal car insurance policies, not coverages for TLC drivers.

How do you file claims with Inshur car insurance?

To file car insurance claims through Inshur, you may either use your mobile app or call the customer service phone number to speak with a licensed agent.

Even though this company operates digitally, Inshur understands that it’s important to speak directly with a customer support person after something stressful like a car accident.

In fact, even if you go through your app, it simply connects you to a live agent to file your claim with.

There currently is no fully digital claims process. But Inshur hopes to roll out that feature in the near future.

Only a few years ago, Inshur used another company to help with the claims process. However, in 2019, the company transitioned and began taking over claims itself.

By 2020, the company was able to take on all claims from start to finish. Previously, it took an average of 30 to 35 days for drivers to receive their payments.

However, with the new claims process, it now takes an average of seven days or less.

Inshur partners with a specific dashcam company and recommends drivers sign up for a camera.

That way, if an accident occurs, the video footage is sent directly to the company to assist with the claims process. It even starts a claim for you automatically if a video is sent before you call customer service.

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Does Inshur offer any car insurance discounts?

Unlike other traditional car insurance companies, Inshur does not publicly advertise car insurance discounts for drivers.

However, the company does offer a referral bonus to drivers who use valid referral codes, also called VIP codes.

Unfortunately, the promotion is only available in the UK and does not apply to American customers.

For more details about any potential saving opportunities Inshur may provide, contact a customer service representative by phone during operational business hours.

What are the Inshur ratings and reviews?

It’s vital to analyze an insurance company’s financial ratings and customer reviews, as it helps you determine if the company is reliable and efficient without actually committing to a policy.

Inshur has not been ranked by A.M. Best, one of the leading credit rating agencies. However, the company that underwrites its policies, Clear Blue, earned an A- score.

An A- implies that the company is financially solid and can follow through on its financial obligations to policyholders.

But, unfortunately, Inshur does have some problematic customer reviews.

The company is not accredited by the Better Business Bureau (BBB), but it received an F scare primarily because it does not respond to complaints.

However, Clear Blue earned a complaint index of 2.49, according to the National Association of Insurance Commissioners (NAIC).

The median is always set to 1.00, and you want to see low scores. So the 2.49 means Clear Blue received just over twice as many customer complaints as expected in the industry.

While this number is not too concerning, it is vital to keep these customer experiences in mind while you shop around for your best coverage.

What is the history of Inshur?

Established in 2016, Inshur started out by offering simple, seamless commercial car insurance policies for rideshare drivers in New York.

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

However, shortly after 2016, Inshur expanded further into the United Kingdom and the Netherlands. To this day, it prides itself on being a digital-first company.

However, Inshur also has an international team of over 150 individuals to provide in-person customer service support to drivers when needed.

In 2021, the company completed Series B funding, bringing the total amount raised for the company to $35 million. It plans to continue expanding its commercial car insurance offerings in New York, the UK, and the Netherlands. The current CEO and co-founder of Inshur is Dan Bratshpis.

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Inshur Car Insurance: The Bottom Line

Ultimately, if you live in New York City and work with a rideshare company, consider adding Inshur to your list of companies to compare.

This company operates entirely online, making it convenient for many people. Plus, applying for a quote is simple and only takes a few minutes to complete.

Inshur also provides you with enough coverage to meet the TLC requirements in your city. However, you should still compare quotes from other companies before selecting your commercial car insurance policy.

Many of the other best car insurance companies also sell commercial coverage that meets the New York City TLC coverage limits.

Plus, this company did receive some negative online reviews from actual drivers. It also has not technically been evaluated by the leading credit rating agencies.

You also must have Uber login credentials just to request a quote from Inshur.

These days, there are so many other options out there, signing up for an Uber account just to request car insurance quotes might not be the best choice for all drivers.

You can only buy Inshur car insurance in New York City, but by entering your ZIP code into our free rate comparison tool below, you can quickly secure your best car insurance coverage today.