TLC Insurance Carriers: Who Insures NYC Taxis and FHVs

In short: A few companies insure almost every TLC vehicle. In TLC's own daily insurance file (October 11, 2026), American Transit covered 67.1% of for-hire vehicles and Hereford 20.6%; together that is about 88%. Every TLC insurer must be authorized in New York, use a policy form TLC approves, and cover the car 24 hours a day, 7 days a week. You can see the policy TLC has on file in TLC UP, and you update it by emailing TLCinsurance@tlc.nyc.gov with your FH-1 and declaration page.

This page explains the carrier side of TLC insurance. For the coverage amounts you must carry, see FHV insurance requirements.

Who insures TLC vehicles

TLC publishes an Excel file of every active TLC vehicle license and its insurer, updated daily (current_insurance.xlsx). We counted the version dated October 11, 2026: 115,528 vehicle rows. We publish only totals by company; the file also holds owner names and policy numbers, which we don't repeat.

The file names 26 carriers in all, but beyond the top four for FHVs, most insure fewer than 700 TLC cars each, and many only one or two. See the full list and method on TLC insurance market share.

What this concentration means for you: when you shop for TLC insurance, you will often get quotes that lead back to the same few companies, sometimes through different brokers. The file can't tell you prices, claims service or which is best.

Rules every TLC insurer and policy must meet

Rule 59A-12(c) in chapter 59 says no TLC-licensed vehicle may operate unless it is covered by a policy:

• approved as to form by TLC, and
• issued by a company authorized to do business in New York by the Superintendent of Insurance.

TLC's insurance rule that took effect January 1, 2026 added more (59A-12(c)(5)–(7); 2025 Annual Report, p.7):

• No limits on place or time. Coverage must apply "24 hours per day, 7 days per week, regardless of vehicle use or purpose".
• Excess policies are allowed to reach TLC's minimums, again only from a New York-authorized company.
• Electronic records. What is sent to TLC must show each vehicle's VIN, the policy start and end dates, the coverage amounts and certificates of liability. Declaration pages, with the list of covered vehicles and the policy number, must be given when TLC asks.

TLC said the changes are meant to give "stronger insurance carrier requirements, the prompt payment of claims, and the tracking of required coverage". Another change took effect March 1, 2026: under Local Law 90 of 2025, required personal injury protection (no-fault) coverage went down from $200,000 to $100,000 for taxis, FHVs, luxury limousines and street hail liveries (Annual Report, p.8).

For whether you may pick a different company, see can I insure my TLC car with any company?.

See your policy in TLC UP

TLC's Vehicle Insurance page explains how to check what TLC has on file, any time, without calling:

Or check TLC's public file

You can also open the daily current_insurance.xlsx file and search it for your TLC vehicle license number or plate. Each row shows the license type, the insurance company's code and name, the policy number, the affiliated base or agent, and a column for the insurance cancellation date (AUTO_INS_CNCL_DATE). If your row shows the wrong company or a cancellation date you did not expect, contact your broker and TLC right away.

If the dates in TLC UP or the file are wrong or about to run out, fix it before they lapse. TLC says a new, renewal or transfer application "will not be approved if either the vehicle insurance is expired, or does not meet the minimum coverage requirements."

Updating TLC when your policy changes

You don't need to visit a TLC office: you email TLCinsurance@tlc.nyc.gov a current FH-1 in the owner's name and the declaration page with the coverage dates. When you change carrier or coverage, FHV owners must tell TLC in writing within 7 days, not counting weekends and holidays (59A-12(b)); taxi owners within 72 hours (58-13(c)). If a policy ends with no replacement starting the same day, rule 59A-12(a) says you must surrender the FHV license and decals by the end date. The full steps, deadlines and fines are on how do I send new insurance to TLC?.

After a crash: report to the carrier and to TLC

Your carrier only helps if it hears about the crash. Rule 59A-12(d) gives FHV owners two duties:

• Tell your insurance company in writing, immediately, about every collision that must be reported to it. Fine: $500 to $1,000.
• Tell TLC in writing, immediately, about every collision that must be reported to the DMV under Vehicle and Traffic Law §605, and send TLC a copy of the DMV report within 10 days of the date it was due at DMV. Fine: $150 plus $25 a day, and suspension until you comply.

If someone else drives your car, agree in advance how they will tell you about a crash the same day. See reporting an accident to TLC.

What insurance costs drivers

TLC doesn't publish premiums. Its 2024 driver expense study found a median of $4,548 a year for owners of gas or hybrid cars and $4,750 for EV owners. In the rental agreements the study's author examined, insurance was itemized at $125 to $250 a week (expense study). Prices for your car will depend on your record, the car and the company. If you drive a medallion taxi in a fleet or more than one shift a day, ask about double-shift insurance.

Where to find carrier contacts

TLC's insurance page points to the New York State Department of Financial Services website for insurer contact details and DMV insurance codes. The NYS DMV can also give the insurance information for vehicles insured in New York.

Related: Approved wheelchair accessible vehicles (WAV owners need FH-1s for their vehicle too), wheelchair accessible vehicle statistics, Commercial Motor Vehicle Tax and TLC licensed vehicle statistics.