INSHUR Car Insurance Review for 2025 [Find a Top-Rated Policy]

This INSHUR car insurance review looks at how the company has developed a unique app-based platform for New York City rideshare drivers to manage their coverage.

INSHUR gives a smooth digital experience, making policy updates, fast quotes, and claims processing easier. The company concentrates on taxis and rideshare drivers, providing customized protection that meets the New York City Taxi and Limousine Commission (TLC) requirements.

INSHUR Car Insurance Rating

Rating Criteria
Overall Score	3.2
Business Reviews	3.0
Claim Processing	3.0
Company Reputation	3.0
Coverage Availability	2.1
Coverage Value	3.1
Customer Satisfaction	2.5
Digital Experience	3.0
Discounts Available	5.0
Insurance Cost	3.7
Plan Personalization	3.0
Policy Options	2.5
Savings Potential	4.2

The specific programs offered by INSHUR are made to meet TLC requirements, whether you drive for Uber, Lyft, or a taxi service. Keep reading to compare INSHUR against the best New York City car insurance companies. Save on car insurance today by entering your ZIP code into our comparison tool.

INSHUR Car Insurance Rates for Rideshare Drivers

This table shows the rideshare car insurance rates from INSHUR based on age, gender, and level of coverage. It gives a clear idea about how monthly payments can change. This helps drivers to compare different options better.

INSHUR Car Insurance Monthly Rates by Coverage Level, Age, & Gender

The information shows that younger drivers, particularly males, usually pay more for basic and complete insurance. The price for a 16-year-old male to get minimum coverage begins at $113 monthly. However, these costs drop significantly as the driver ages, with women over 60 paying one of the lowest amounts.

Complete coverage follows a similar pattern, demonstrating a consistent reduction with age. Variations based on gender continue, as men pay slightly higher across all age groups. Uncover key factors affecting New York car insurance rates.

Comparing INSHUR Rates With Top Competitors

This table compares INSHUR car insurance rates with those of leading competitors. It shows how coverage levels can affect pricing. Many taxi and rideshare companies require full coverage or additional commercial policies, which will raise premiums.

INSHUR Car Insurance Monthly Rates vs. Top Competitors by Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$85	$160
	$72	$145
	$60	$120
	$75	$150
	$80	$155
	$68	$132
	$65	$130
	$70	$140
	$77	$152
	$50	$100

The prices for INSHUR begin from $75 per month, which covers the minimum, and reach up to $150 monthly for full coverage. USAA is a company that offers the cheapest rates, starting from $50 for minimal coverage up to $100 for full insurance.

Geico follows closely by providing competitive pricing, beginning at about $60. However, Geico requires additional policies if you use your vehicle to drive Uber in New York or use it as a taxi or delivery vehicle. Always understand how much rideshare insurance you need before you start comparing quotes.

Read more: How much car insurance coverage do I need for a new car?

INSHUR Car Insurance Rates by Driving Record

This table shows the change in INSHUR insurance rates depending on a driver’s past, focusing on the effect of accidents, tickets, and DUIs. It gives an idea about how driving history influences monthly payments.

Those drivers with clean records benefit from the lowest premiums, starting at $71 monthly for minimum coverage and $117 monthly for complete coverage. When one gets a ticket, the cost increases moderately, rising to $100 monthly for basic cover and $132 per month if one wants full insurance.

After having one accident, the costs rise again to $132 a month for minimum insurance and $148 monthly for complete coverage. The highest charges are linked with DUIs, driving up the least coverage cost to $148 per month and the full coverage charge to $165 monthly. This pattern highlights the importance of keeping a clear history to receive the best price from INSHUR. Learn the distinctions of DWI vs. DUI.

Exploring INSHUR Car Insurance Discounts

This table shows the different discounts that INSHUR gives. It demonstrates how drivers can save money depending on certain behaviors, policy choices, or vehicle attributes. It offers a lucid division of possible savings for each type of discount.

INSHUR Car Insurance Discounts by Savings Potential

Discount
Safe Driver	25%
Bundling	20%
Good Student	15%
Pay-in-Full	15%
Defensive Driving	10%
Low-Mileage	10%
Loyalty	10%
Safety Features	10%
Paperless Billing	5%

The safe driver discount offers the highest potential savings, 25%. This reward goes to drivers who have clean records and are careful in their driving habits. Next comes the multi-policy discount at 20% if you bundle different policies with INSHUR.

There are more savings if you have vehicle safety features, loyalty to the company, and low mileage driving. Going paperless with your billing offers an additional 5%. Learn where to find the best car insurance discounts tailored to your needs.

Evaluating INSHUR Car Insurance Ratings and Consumer Feedback

This table thoroughly shows how INSHUR is doing as per big rating agencies and platforms that review customer feedback. It helps understand the level of satisfaction among customers, the number of complaints, and stability in terms of finance. Discover top picks from Consumer Reports car insurance recommendations for the best coverage.

INSHUR Car Insurance Business Ratings & Consumer Reviews

Agency
	Score: 720 / 1,000 Below Avg. Satisfaction
	Score: A- Good Business Practices
	Score: 65/100 Good Customer Feedback
	Score: 1.75 More Complaints Than Avg.
	Score: A- Excellent Financial Strength

J.D. Power gives INSHUR a score of 720 out of 1,000, which shows that satisfaction is not very high. However, Consumer Reports rates it at 65/100, which means customer feedback has been good even though there are some things they could improve on. The BBB also awards them with an A- for their good business practices, and they stress transparency and honesty in how the company operates.

Nevertheless, the NAIC complaint index scoring of 1.75 shows more complaints than usual, indicating a possible enhancement in the service area. A.M. Best gives a B rating to INSHUR, which is stable but could raise concerns for some drivers. Such diversified ratings display good sides of INSHUR around customer assistance and ethical conduct yet reveal areas for improvement, such as handling claims effectively.

A person from Reddit talked about INSHUR as a flexible Amazon Flex insurance option for gig drivers, emphasizing how it fits well with Amazon’s system and hourly payment model. See how INSHUR compares to the best Amazon Flex car insurance.

This individual also shared difficulty locating a leading insurance company that could blend smoothly with INSHUR but said they had a good experience as Admiral accepted adding on INSHUR.

The Value of INSHUR App-Based Insurance for NYC Drivers

INSHUR auto insurance gives a unique solution for rideshare and taxi drivers in New York who need affordable commercial car insurance rates. Coverage starts at $62 per month, and the INSHUR app makes handling policies, processing claims, and updates easier, thus making it perfect for workers in the gig economy.

However, INSHUR reviews find many complaints around claims service and a lower financial rating than other providers. Coverage is also limited to New York City and surrounding areas, with few offices for in-person help. INSHUR UK and the Netherlands also provide similar app-based insurance solutions for drivers overseas.

NYC drivers can benefit from INSHUR’s specific features but should also consider alternatives such as USAA or Geico, which offer wider choices and increased benefits.

Find affordable New York rideshare car insurance rates by entering your ZIP code into our comparison tool.