TLC Insurance NYC Calculator

TLC Insurance NYC Calculator estimates your NYC TLC insurance premium and PIRP discount, then helps you run your whole shift — points, income, renewals, maintenance and more — in one free app built specifically for NYC TLC drivers.

THE PROBLEM
NYC TLC insurance is expensive and confusing, PIRP discount rules are hard to track, and most gig-driver apps are built for the whole US, not NYC's specific TLC/DMV rules. This app goes deep on one city: real premium estimates, real PIRP savings, and the daily tools NYC drivers actually need.

INSURANCE & PIRP CALCULATOR
• Real premium estimate — enter your TLC/DMV points, vehicle type and years licensed for an instant monthly/yearly estimate
• PIRP savings — see exactly how many points and dollars the 6-hour PIRP course saves you
• Real NYC TLC insurers — compare live quotes from carriers like American Transit, Hereford and Affirmative Direct
• Save as PDF or share your estimate

DAILY DRIVER TOOLKIT (100% FREE)
• Shift income & expense tracker — log fares, tolls and gas in seconds, see your net per shift
• TLC & DMV point tracker — know exactly how close you are to a suspension or revocation, with the correct 15-month/24-month rolling windows
• Congestion fee calculator — the Manhattan per-trip surcharge, unique to NYC
• Violation & fine lookup — look up points and fine ranges before you even get the ticket
• Renewal calendar — license, registration and insurance expiry alerts before you miss one
• Maintenance reminders — by miles or by days, tracked from your odometer
• Post-accident checklist — 911/311/TLC Driver Protection Unit quick-dial and a step-by-step checklist
• Hours-of-service tracker — your TLC 10-hour daily / 60-hour weekly limit, tracked across every platform you drive for
• Document vault — your TLC license and insurance card, one tap away at a stop
• Home-screen widget — today's points and shift status without opening the app

BUILT FOR NYC'S DRIVERS
Full support for English, Español, বাংলা (Bengali) and Kreyòl Ayisyen (Haitian Creole) — not just the calculator, the entire app.

YOUR DATA
Everything you log — shifts, income, points, documents — stays on your phone. No account, no login. The only time anything leaves your device is if you ask for real insurance quotes, which sends just your points, vehicle type and years licensed to match you with NYC insurers.

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This app is an independent tool for NYC TLC drivers and is not affiliated with, endorsed by, or sponsored by the NYC Taxi and Limousine Commission, the NY DMV, or MTA. Insurance estimates are informational only — your actual premium is set by a licensed insurer.