TLC Insurance NYC Calculator

There is no single price. What TLC insurance costs in NYC depends on your TLC and DMV points, vehicle type, years licensed and the insurer. The calculator turns those inputs into a monthly and yearly estimate, but your actual premium is set by a licensed insurer.

Start with your details: your TLC and DMV points, vehicle type and years licensed. Estimate your premium, compare carriers that write NYC TLC coverage, then request quotes and confirm the policy meets the TLC insurance requirements before you buy. The app handles the estimate and shows the carriers; a licensed insurer or broker issues the policy.

The app lists carriers that write NYC TLC insurance, such as American Transit, Hereford Insurance and Affirmative Direct. Listing a carrier is not an endorsement, so compare quotes and coverage yourself. If you ask for quotes, the app sends only your points, vehicle type and years licensed to match you with insurers.

There is no trick, but three things move the price: fewer TLC and DMV points, a completed PIRP course (10% off the base premium for three years), and comparing quotes from several carriers. Use the calculator to see how your points change the estimate before you shop.

A broker compares several carriers for you, while buying direct means dealing with one insurer. This app is not a broker or insurer. It helps you estimate your premium and PIRP savings first, so you know what a fair quote looks like before you talk to anyone.

Under TLC rules, 6 to 9 points within a 15-month period can lead to suspension, and 10 or more points to revocation. The 15 months are counted from the date of conviction, not the date of the violation. Rules can change, so confirm the current thresholds with the TLC.

TLC points count for a rolling 15-month window. DMV points follow the DMV's own, longer window, which the app tracks as 24 months. The points tracker counts both against their windows so you can see when they drop off.

PIRP is the New York DMV Point and Insurance Reduction Program, a DMV-approved 6-hour defensive driving course. Completing it can lower the points counted toward a suspension and earn an auto insurance discount.

New York insurers must give a 10% discount on the base premium of liability and collision coverage for three years after you complete PIRP, and the course can remove up to 4 points for violations in the last 18 months. It does not erase the violations, and the insurance discount requires about three years between courses. The calculator estimates your savings.

PIRP reduces DMV points. The TLC has its own defensive driving requirement, and driver-resource sources describe a 3-point reduction on your TLC record for completing it. Check the current TLC rules before you rely on either reduction.

Yes. Every calculator and tracker in the app is free, with no account or login required.

Your shifts, income, points and documents stay on your phone, and there is no account. The only time anything leaves your device is when you ask for real insurance quotes.

It works out the Manhattan per-trip congestion surcharge so you can see what a trip really earns you. Congestion rates and rules are set by New York authorities and can change, so check the current rates.

Yes. The whole app, not just the calculator, is available in English, Spanish, Bengali and Haitian Creole.

No. It is an independent tool and is not affiliated with, endorsed by, or sponsored by the NYC Taxi and Limousine Commission, the NY DMV or the MTA. Estimates are informational only.