TLC Insurance Manhattan
Local coverage
TLC insurance information for Manhattan rideshare, livery, black car, and taxi drivers, including how Manhattan pickups compare with the rest of the city.
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Trusted by Manhattan drivers
Local expertise, NY-authorized carriers, and help understanding TLC filing requirements.
NYC driver focus
Help finding TLC-compliant commercial coverage
Authorized carriers
Commercial insurers authorized to write coverage in New York
15+ years
Serving NYC commercial drivers from every borough
Coverage for every kind of Manhattan driver
Whether you drive yellow, green, black, or app-based, we can quote the right commercial policy.
Serving every Manhattan neighborhood
From the Financial District through Harlem and Inwood, Manhattan drivers can get a quote.
In August 2026, high-volume for-hire vehicles recorded 6,978,626 pickups in Manhattan. That was about 34% of the 20,492,355 high-volume pickups in all five boroughs that month. These are pickup locations, not garage addresses. Fleet pickup counts use the same aggregates. The source file is the NYC Open Data high-volume trip records.
Downtown
- •Financial District
- •Tribeca
- •SoHo
- •Lower East Side
- •Chinatown
Midtown
- •Midtown
- •Hell's Kitchen
- •Chelsea
- •Murray Hill
- •Times Square
Uptown
- •Upper East Side
- •Upper West Side
- •Harlem
- •East Harlem
- •Washington Heights
Far uptown
- •Inwood
- •Marble Hill
- •Morningside Heights
- •Hamilton Heights
- •Central Harlem
Why Manhattan drivers pick us
Citywide for-hire work
A Manhattan pickup does not limit the policy to one borough. Tell the quote about every base and every kind of for-hire trip.
FH-1 filing guidance
After coverage is placed, the insurer handles the required insurance filing.
Quote support
Leave a phone number to discuss the vehicle, driving use, requested limits, and available carrier options.
New York-authorized coverage
TLC coverage must be written by an insurer authorized for the applicable coverage in New York. Availability and underwriting vary by applicant.
Manhattan TLC insurance FAQ
Questions we hear most from Manhattan drivers
Does a Manhattan garage change the TLC minimum?
TLC publishes vehicle-class minimums, not a separate Manhattan minimum. Garaging, driving record, vehicle, and use can still affect underwriting. This page does not state a premium.
Are the pickup numbers the number of TLC cars in Manhattan?
No. The August 2026 figure is high-volume for-hire pickups that started in Manhattan. It is not a count of vehicles garaged in the borough.
How is my FH-1 certificate filed?
Once eligible coverage is placed, the insurer submits the required insurance information to TLC. Confirm the dates in TLC Up before treating the vehicle license as current.
Can I use a personal auto policy for Manhattan TLC trips?
A personal auto policy generally does not satisfy NYC TLC commercial insurance requirements and may exclude for-hire use. Get the required commercial coverage before operating.
Quote Manhattan TLC insurance today
Commercial carrier options and NYC TLC filing requirements.
Disclaimer: Website content is general information and is not a binder, policy, guarantee of coverage, or substitute for your policy documents. A form submission starts a quote request. Any quote is an estimate based on the information provided; the issuing carrier determines underwriting eligibility, terms, exclusions, limits, and final premium.