Stop Overpaying for TLC Insurance
TLC Full Coverage | Uber Insurance | Lyft Insurance | FH1 Black Car
We shop your Uber insurance policy to 12+ NYC brokers in 24 hours. Rideshare drivers save an average of $127/month.
What Makes Us Different
We're not another lead gen site. We're a licensed brokerage that actually gets you quotes.
We Shop 12+ Brokers So You Don't Have To
American Transit, Hereford, King's Bay, and more. We know which carriers work with your driving record.
Quotes in 24 Hours, Not Days
Submit at night, wake up to options. We understand you need to get back on the road quickly.
TLC Full Coverage from $550/mo, Liability from $350/mo
Real rates, not bait-and-switch. Your quote depends on your driving record and vehicle type.
We Speak Uber, Lyft, and Via
TLC requirements, deactivation coverage, gap policies. We know what rideshare drivers need.
How It Works
Three steps, 5 minutes of your time. We handle the rest.
Tell us about your situation
Fill out our quick form with your driving history, vehicle info, and coverage needs. Takes about 5 minutes.
We shop every broker in NYC
We submit your info to 12+ TLC-specialized brokers. We know which carriers work best with your profile.
Compare and choose
Review your options, ask questions, and pick what works for you. No pressure, no hidden fees ever.
Real Drivers, Real Savings
Not paid actors. Not stock photos. Just people who found better rates.
“Was paying $890/month with my old broker. TLC Insurance Now found me the same coverage for $680. That's $2,500 back in my pocket every year.”
Michael T.
2021 Toyota Camry • Uber driver since 2019
“I had two accidents on my record and thought I was stuck paying crazy rates. They found a broker that would actually work with my history.”
Sandra M.
2019 Honda Accord • Via driver
“Running a 5-car fleet used to be a nightmare. These guys consolidated everything and found us fleet discounts I didn't even know existed.”
Rodriguez Transportation LLC
Fleet of 5 • Brooklyn-based
Frequently Asked Questions
Everything you need to know about TLC insurance
Yes. If you have a TLC license and drive ANY for-hire trips, you need commercial auto insurance. Personal policies don't cover rideshare, even part-time. The good news: we can find you a policy that fits occasional driving.
Absolutely. We know the TLC renewal process. Just tell us your expiration date in the form and we'll prioritize getting you covered before then.
TLC insurance is commercial auto insurance required by the NYC Taxi and Limousine Commission for all For-Hire Vehicles (FHV). Whether you need TLC full coverage or liability-only, this insurance protects passengers and third parties while you operate as a rideshare driver or FH1 black car service. We compare rates from 12+ brokers for all TLC license classes.
FH1 insurance is commercial auto coverage required for black car and luxury sedan operators in NYC. If you have an FH1 TLC license (for-hire livery/black car), you need FH1-specific insurance that meets TLC requirements. We work with brokers who specialize in FH1 insurance policies for black car services.
Livery insurance is commercial auto coverage specifically for livery vehicles—cars used for pre-arranged transportation services like black car and sedan services. In NYC, livery insurance is essentially TLC insurance for FH1-licensed vehicles. It provides higher liability limits than personal auto insurance and meets TLC requirements for for-hire transportation.
TLC liability insurance covers damage you cause to others but not your own vehicle. TLC full coverage (also called TLC full cover) includes comprehensive and collision coverage, protecting your vehicle from accidents, theft, and damage. Most financing companies require full coverage. Full cover policies start around $550/month depending on your vehicle and driving history.
FHV (For-Hire Vehicle) insurance is the commercial auto coverage required by the NYC TLC for all rideshare drivers. FHV insurance provides liability coverage while you're logged into Uber, Lyft, or Via. It's separate from your personal auto policy and must meet TLC minimum requirements of $100,000/$300,000 liability coverage.
TLC insurance rates vary based on factors like your driving history, vehicle type, and coverage level. Liability-only policies typically start around $350/month, while full coverage can range from $550-1000+/month. By comparing 12+ brokers, you can often find significant savings.
Both Uber and Lyft require TLC drivers in NYC to carry commercial insurance that meets TLC requirements. This includes a minimum of $100,000/$300,000 liability coverage. We can help you find policies that meet these requirements at competitive rates.
After you submit your information, our team shops your policy to 12+ brokers. You'll typically receive competitive quotes within 24 hours. Rush quotes may be available for urgent situations.
Yes! While your driving history affects your rates, we work with brokers who specialize in finding coverage for drivers with less-than-perfect records. Submit your information and we'll find options for your situation.
To get started, you just need your name and phone number. For the most accurate quotes, it helps to have your DMV license, TLC license, and vehicle information (VIN, year, make). You can upload these documents through our secure form.