Inshur Car Insurance Review & Ratings (2024)
Affordable car insurance coverage for peace of mind. Inshur Car Insurance offers reliable protection for your vehicle, ensuring you can hit the road with confidence. With our comprehensive policies, you can safeguard against accidents, theft, and damages. We understand the importance of affordable rates without compromising on quality service. Our team of experts is dedicated to finding the right coverage that suits your needs and budget.
Read moreMichael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Sep 13, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 13, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Insure Car Insurance
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A- (Excellent)Complaint Level:
LowPros
- Fully digital process
- Rideshare coverage for TLC-certified drivers in NYC
- Efficient claims process with quick processing times
Cons
- Limited coverage area (NYC only),
- Mixed customer feedback on app functionality
- F rating from the Better Business Bureau
Only TLC-certified rideshare drivers in New York City are covered by Inshur. Each driver’s rate will be different and will be determined by his or her age, driving history, and other criteria.
Inshur is a fully digital company, and drivers are required to use the app for everything, including payment. Although this is useful, some users have reported issues with the app and are unable to access their data.
Before you buy Inshur car insurance, do some research. To find the company that best matches your needs, compare rates and ratings.
We hope you now know all you need to about Inshur auto insurance. Before you leave, enter your ZIP code to get free car insurance quotes from local companies.
What You Should Know About Insure Car Insurance
Welcome to Inshur Car Insurance, your trusted source for affordable and reliable auto insurance coverage. We understand that protecting your vehicle is crucial, and that’s why we’re here to provide you with comprehensive information on car insurance.
We aim to empower you with the knowledge needed to make informed decisions about your car insurance needs. To ensure you get the best rates from top insurance providers, simply enter your zip code below and compare rates hassle-free. Don’t miss out on the opportunity to secure the right coverage for your car and drive with confidence.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
What is the Inshur car insurance company?
Inshur is a 100% digital car insurance company based in the U.K. It only offers rideshare coverage in New York City and meets all state requirements. Since the company is digital, everything from Inshur car insurance quotes to accessing policy information is handled through the app.
Insure also meets all of the requirements set by the New York City Taxi & Limousine Commission (TLC), which regulates all for-hire transportation in the city. TLC requirements also include having a vehicle in good condition with no branding.
To get Inshur coverage, drivers must be at least 21 years old, have a car with no more than seven seats, and have an Uber login. While drivers can work with any rideshare company, an Uber login is necessary to access the Inshur app.
Insure Car Insurance Coverage Options
Inshur offers rideshare coverage that meets the TLC coverage requirements.
This table shows what car insurance requirements are for rideshare drivers in New York City.
TLC Car Insurance Coverage
| Coverage | Minimum Coverage Amount | Required? |
|---|---|---|
| Liability coverage per person | $100,000 | Mandatory |
| Liability coverage per person | $300,000 | Mandatory |
| Personal injury protection | $200,000 | Mandatory |
| Property damage | $10,000 | Mandatory |
| Collision protection | Optional | Optional |
While these coverages will pay for damages to other vehicles if you cause an accident, they won’t pay for damage to your vehicle.
Consider adding collision and comprehensive coverages to your policy to be fully covered. Collision helps pay for damages caused by an accident, and comprehensive covers damage not from an accident like fire, vandalism, and theft.
If you have a car loan or lease a car, you probably won’t have a choice about carrying full coverage.
Insure Car Insurance Rates Breakdown
While Inshur rates range between $250-$830 on average, they will vary for each driver.
How are car insurance rates determined? Inshur looks at the traditional factors that affect car insurance rates, such as age and driving record.
Your driving record is the most significant factor when it comes to your rates. It shows your car insurance company how risky you are to insure.
This table shows how much your driving record affects your rates. Drivers with accidents, tickets, and DUIs will pay significantly more than drivers with a clean record.
Average Annual Car Insurance Rates by Driving History
| Company | Average Annual Rates With Clean Record | Average Annual Rates With 1 Accident | Average Annual Rates With 1 DUI | Average Annual Rates With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,819.90 | $4,987.68 | $6,260.73 | $4,483.51 |
| American Family | $2,693.61 | $3,722.75 | $4,330.24 | $3,025.74 |
| Farmers | $3,460.60 | $4,518.73 | $4,718.75 | $4,079.01 |
| Geico | $2,145.96 | $3,192.77 | $4,875.87 | $2,645.43 |
| Liberty Mutual | $4,774.30 | $6,204.78 | $7,613.48 | $5,701.26 |
| Nationwide | $2,746.18 | $3,396.95 | $4,543.20 | $3,113.68 |
| Progressive | $3,393.09 | $4,777.04 | $3,969.65 | $4,002.28 |
| State Farm | $2,821.18 | $3,396.01 | $3,636.80 | $3,186.01 |
| Travelers | $3,447.69 | $4,289.74 | $5,741.40 | $4,260.80 |
| USAA | $1,933.68 | $2,516.24 | $3,506.03 | $2,193.25 |
Since rideshare drivers spend so much time on the road, it makes sense that your driving record will be extremely important to car insurance companies.
With Inshur, you can pay for your insurance with a credit or debit card. You can also either pay for your coverage upfront or make payments. If you choose to make payments, you will have to pay a 15%-30% deposit, and the balance will be divided into 10 monthly payments.
Although there are no Inshur car insurance discounts, you can get a $25 gift card for referrals.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Insure Car Insurance Discounts Available
At Inshur, customers are offered a range of discount opportunities designed to enhance their car insurance experience with both reliability and affordability. The company extends the following discount options:
- Safe Driver Discount: Inshur values safe driving habits and rewards customers with a clean driving record, free from accidents or violations, with eligibility for a safe driver discount.
- Multi-Policy Discount: Customers can optimize their savings by bundling their car insurance with other policies, such as home or renters insurance, and benefit from additional savings through Inshur’s multi-policy discount.
- Pay-in-Full Discount: Opting to make an annual premium payment in full unlocks additional savings for customers, providing a discount for those who choose this one-time payment option.
- Referral Rewards: The company encourages customers to share the advantages of Inshur with friends and family. When a referral signs up for car insurance, both the existing customer and the referred individual can enjoy special referral discounts or rewards.
- Good Student Discount: Students who excel academically may qualify for the good student discount. By maintaining a strong GPA, students can benefit from reduced premiums on their car insurance.
- Vehicle Safety Features Discount: Customers whose vehicles are equipped with advanced safety features, such as anti-lock brakes, airbags, or electronic stability control, may be eligible for additional discounts.
- Paperless Billing Discount: Opting for the convenience of paperless billing not only reduces environmental impact but also qualifies customers for a discount on their premiums.
It’s important to note that eligibility for these discounts may vary, and not all discounts may apply in every situation. Customers are encouraged to contact the Inshur customer service team to discuss their specific circumstances and explore the discounts they may qualify for.
Insure Car Insurance Effortless Claims Process
Ease of Filing a Claim
Insure Car Insurance offers an efficient and user-friendly claims process. While you cannot file a claim directly through the Inshur app, their customer service representatives are readily available through the app to guide you through the process. This approach ensures that policyholders can easily initiate a claim and receive the necessary assistance.
Average Claim Processing Time
The average claim processing time with Inshur is relatively quick, with most claims taking around 10 days to complete. However, it’s important to note that the actual processing time may vary depending on the specific circumstances of each claim. Inshur’s commitment to a prompt claims resolution process is a notable advantage for policyholders.
Customer Feedback on Claim Resolutions and Payouts
Insure Car Insurance has received varying feedback from customers regarding their claim resolutions and payouts. While some customers have reported positive experiences with efficient and fair claim settlements, others have encountered issues with accessing their data through the app. Customer feedback on claims may vary, making it essential for prospective policyholders to assess their specific needs and preferences.
Unveiling Cutting-Edge Digital and Technological Features by Inshur Car Insurance
Mobile App Features and Functionality
Inshur’s mobile app serves as a central hub for all interactions with the company. It provides features for obtaining insurance quotes, managing policies, and accessing account information. Users can easily navigate the app to obtain quotes, make payments, and communicate with customer service representatives.
Additionally, the app has received favorable ratings in both the Apple App Store and Google Play Store, reflecting its user-friendly design and functionality.
Online Account Management Capabilities
Inshur offers robust online account management capabilities through its app. Policyholders can access and update their policy information, review payment history, and monitor claims progress. The digital platform simplifies the management of insurance policies, allowing customers to make changes and track their coverage seamlessly.
Digital Tools and Resources
Inshur’s commitment to digitization is evident in its provision of various digital tools and resources to assist policyholders. This includes the integration of Nexar dashcams for streamlined claims processing, as well as the option to make payments conveniently using credit or debit cards.
While Inshur does not offer traditional discounts, they provide a referral program, allowing customers to earn a $25 gift card for successful referrals. These digital features enhance the overall user experience and convenience.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
How Insure Car Insurance Ranks Among Providers
Inshur Car Insurance operates within the competitive landscape of the insurance industry, focusing on car insurance and rideshare coverage. To evaluate its position, let’s examine Inshur in comparison to key competitors:
Competitors:
Geico: Geico stands as a well-established player, renowned for its diverse range of insurance products. Its reputation for competitive rates and comprehensive coverage options has contributed to widespread popularity. Geico’s nationwide presence further solidifies its position in the market.
Progressive: Progressive is recognized for its commitment to innovative insurance solutions. The company offers a user-friendly online platform, complemented by the Snapshot program, providing personalized rates based on driving habits. Progressive’s extensive advertising efforts contribute significantly to its brand visibility.
State Farm: As a long-standing and trusted insurance provider, State Farm distinguishes itself through personalized service delivered via an extensive network of local agents. Beyond car insurance, State Farm offers a broad array of insurance products, showcasing its commitment to meeting diverse customer needs.
In assessing these competitors alongside Inshur, it’s evident that each brings unique strengths to the table. Inshur’s specialization in rideshare coverage and its fully digital approach cater to a specific market niche. Geico’s broad product range and national reach make it a formidable choice, while Progressive’s emphasis on innovation and personalized solutions resonates with tech-savvy customers.
What are the Inshur car insurance ratings?
When it comes to insurance, company ratings are just as important as rates. You need to know that you can depend on your insurance company when you need it.
Although Inshur is too new to get a financial stability rating from A.M. Best, its underwriter Clear Blue has an A- rating showing an excellent ability to meet financial commitments.
The Better Business Bureau (BBB) rates companies on how well they interact with customers. Inshur is not accredited and has an F rating, mainly due to not responding to all complaints.
Since Inshur requires users to do everything through the app, app ratings are very important. The Inshur app received a 4.7/5 in the Apple App Store and a 3.3/5 in the Google Play Store.
How do you cancel Inshur’s car insurance?
Although Inshur doesn’t list cancellation information, there are some basic steps you can take to make the process as easy as possible.
First, find out when your policy expires and if there are any cancellation fees. It may be cheaper and easier to switch car insurance companies when your policy ends.
Next, shop around for new coverage. Every company will offer different rates, so compare multiple companies to find your best deal. Once you decide on your company, get your new policy in place.
Finally, let Inshur know you are leaving. You will need your policy number and the date you want your coverage to end. Make sure your end date is after your new policy goes into effect. Allowing your coverage to lapse can lead to fines and a higher rate when you do get car insurance again.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Frequently Asked Questions
What is Inshur car insurance?
Inshur is a 100% digital car insurance company based in the U.K. that only offers rideshare coverage in New York City and meets all state requirements.
How are Inshur’s car insurance rates determined?
Inshur rates range between $250-$830 on average, and they will vary for each driver. Inshur looks at traditional factors that affect car insurance rates, such as age and driving record, and your driving record is the most significant factor that affects your rates.
What car insurance coverages does Inshur offer?
Inshur offers rideshare coverage that meets the TLC coverage requirements. However, these coverages will pay for damages to other vehicles if you cause an accident, but they won’t pay for damage to your vehicle.
How do I pay for Inshur car insurance?
With Inshur, you can pay for your insurance with a credit or debit card. You can also either pay for your coverage up front or make payments. If you choose to make payments, you will have to pay a 15%-30% deposit, and the balance will be divided into 10 monthly payments.
What is the minimum age requirement to get Inshur car insurance?
In order to get Inshur coverage, drivers must be at least 21 years old.
how can I compare Inshur car insurance rates with other companies?
To find the best deal for you, shop around and compare multiple companies. You can compare Inshur car insurance rates with other companies by entering your ZIP code and using the free quote tool.
What is the process to get Inshur car insurance coverage?
Since the company is digital, everything from Inshur car insurance quotes to accessing policy information is handled through the app. In order to get Inshur coverage, drivers must have a car with no more than seven seats, have an Uber login, and work with any rideshare company.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.