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2024

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Best Local Car Insurance Agencies in New York

Our Recommended Top 20

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored New York Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

10946Reviewed

6575Curated

20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Brooklyn

Expertise.com Rating

Why choose this provider?

Silverline Insurance is a company that offers customizable personal and commercial policies to clients in New York. Its car insurance plans include liability, collision, and comprehensive coverage, as well as additional protection from uninsured motorists, payment for medical costs, and emergency roadside service. It also provides other products, including home, health, life, and motorcycle insurance. Silverline Insurance helps policy buyers compare and choose from the best options from various carriers like Travelers, Safeco Insurance, and National General.

East Syracuse

Expertise.com Rating

Review Sources

Google
4.8 (28)
Facebook
4.9 (21)

Why choose this provider?

Firm Insurance Agency, LLC, is an independent company that has been serving New York since 1997. Its team of risk management advisors designs car insurance policies that reimburse damages if the insured motorist causes harm to others. Being independent allows them to customize plans to meet clients' unique needs. They review and compare policies from providers such as Encompass, Hagerty, and Liberty Mutual. Firm Insurance Agency also protects drivers of classic cars, off-road vehicles, motorcycles, and boats.

Syracuse

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (9)

Why choose this provider?

Since 1877, Ellis, Moreland & Ellis has been serving the insurance needs of people in New York. It assists clients in finding the best coverages for their situations and facilitates claims, certificate issuance, and policy changes. The agency's client base includes car owners seeking to meet the state's auto insurance requirements. It also customizes policies for drivers who wish to add more protection with collision and comprehensive coverages. This local and independent insurance brokerage firm is led by Rhonda R. Cabrinha, a Certified Insurance Counselor.

Amherst

Expertise.com Rating

Review Sources

Google
4.9 (105)
Facebook
5.0 (13)

Why choose this provider?

State Farm insurance agent Michele Proietti started her own agency in 2017, serving clients in New York. Her team offers various insurance plans that safeguard individuals, families, and business owners, as well as their properties. It provides car owners with the best auto insurance, which protects them from unwanted incidents. It also offers life, home, and business insurance products. Proietti has more than 20 years of insurance experience. Committed to giving back to the community, her office always participates in events that support causes.

Brooklyn

Expertise.com Rating

Review Sources

Facebook
5.0 (26)
Google
5.0 (4)

Why choose this provider?

Serving New York, Narrows Insurance Agency, Inc., offers auto insurance policies to help individuals secure their future from financial burdens or expenses if they are involved in car accidents. It can also insure all types of trucks. In addition to auto insurance, this agency assists clients in finding business, homeowners, life, long-term care, and health insurance products that suit their needs. Narrow Insurance Agency directly represents AmTrust, Progressive, Lancer Insurance, Lincoln Financial Group, and RoundHill Express.

Brooklyn

Expertise.com Rating

Review Sources

Google
4.8 (118)
Facebook
4.6 (26)

Why choose this provider?

The Vavas Insurance & Financial Services - Brooklyn Office is an independent insurance agency that caters to individuals and business owners across New York. It offers a broad selection of insurance solutions to financially protect families and their belongings. The office provides vehicle owners with auto insurance that includes collision, comprehensive, liability, and medical payment coverages�customizing plans to best respond to the needs of policyholders. Specialty plans for classic automobiles are also available. The agency also offers home, umbrella, life, and commercial insurance products.

Huntington

Expertise.com Rating

Review Sources

Google
4.9 (130)
Facebook
5.0 (27)
Yelp
4.0 (5)

Why choose this provider?

Kelly Schumacher is a State Farm insurance agent who has been serving New York for more than 20 years. After working at the claims department, she now provides a wide range of car insurance coverage options for teen drivers and protection for rental and sports cars. The policies cover collision, comprehensive, rideshare, rental reimbursements, and even 24/7 roadside assistance. In addition to rendering her services in English and in Spanish, Schumacher's scope of accessible service includes her support of the Suffolk County Women�s Business Enterprise Coalition.

Brooklyn

Expertise.com Rating

Review Sources

Google
4.9 (27)
Facebook
5.0 (9)
Yelp
3.0 (2)

Why choose this provider?

GMI Brokerage Corp. is a New York-based independent insurance firm that serves individuals, families, and businesses. It creates bespoke insurance policies for modified, vintage, and classic automobiles. Motorcycles, boats, and modular and motor homes are also covered by the company. Commercial property, professional liability, and workers' compensation insurance are also available through its agents. They work with various carriers, such as Travelers, Chubb, and The Hartford. GMI Brokerage Corp. is a full-service firm that was established in 1995.

Brooklyn

Expertise.com Rating

Review Sources

Google
4.9 (126)
Yelp
4.0 (8)

Why choose this provider?

John Garfinkel ranks among the best State Farm insurance agents that caters to individuals and businesses across New York. He offers various types of insurance plans, such as car insurance. These plans provide collision, comprehensive, liability, and car rental and travel expenses coverage. Coverages for uninsured and underinsured vehicles, medical payments, rideshare, and emergency road service are also available. Also fluent in Spanish and Polish, Garfinkel helps clients determine how much insurance they need. State Farm has been providing insurance solutions for almost a century.

Staten Island

Expertise.com Rating

Review Sources

Google
5.0 (121)
Facebook
5.0 (41)

Why choose this provider?

A family-owned and family-operated company in New York, Alpha/Omega Coverage Corp offers various types of insurance solutions. It provides auto insurance plans that are available to be bundled with boat, motorcycle, ATV, and RV coverages. The agency also connects clients to carriers of property, life, and personal liability insurance. For business owners, coverages for employee benefits, workers' compensation, and general liability are also available. The agency works with over 30 different insurance carriers. The business has been in the industry since 1979.

East Syracuse

Expertise.com Rating

Review Sources

Google
4.9 (522)
Facebook
4.9 (81)
Yelp
5.0 (2)

Why choose this provider?

Crowley Insurance Agency is a family-owned company that serves communities throughout New York. It offers car insurance plans and assists policyholders in selecting the best coverage, including collision, comprehensive, bodily injury liability, and uninsured and underinsured motorist protection. Additionally, it handles insurance products for other vehicle types, such as motorcycles, recreational vehicles, boats and watercraft, and collector cars. The company is an independent agency that has been helping individuals and businesses since 1952, partnering with various carriers like NYCM Insurance and Hanover Insurance.

Schenectady

Expertise.com Rating

Why choose this provider?

SEFCU Insurance Agency offers auto insurance policies in New York. It helps car owners or lessees get the best insurance plans that cover bodily injury liabilities, uninsured auto, damage to someone else's properties, and medical payments. Policyholders can also add coverages to their car insurance policies, including collision, comprehensive, towing, and substitute transportation. Additionally, life and homeowners insurance plans are available. SEFCU Insurance Agency is a subsidiary of one of the 50 largest credit unions in the United States.

Latham

Expertise.com Rating

Review Sources

Facebook
4.8 (11)
Google
4.5 (8)
Yelp
5.0 (1)

Why choose this provider?

Empire Region Insurance Agency is an independently owned company that serves clients in New York. It helps new and experienced drivers find the best car insurance plans that suit their lifestyles, budgets, and risk tolerance. Its team of insurance specialists writes insurance policies for condos, businesses, motorcycles, and recreational vehicles. Owner Dan Pezze started his career in the insurance industry with Pega Insurance and Financial Services in 1979. He acquired the agency in 1994 and established Empire Region Insurance Agency six years later.

Staten Island

Expertise.com Rating

Why choose this provider?

5Boroughs Insurance Agency is an independent company that has been serving New York since 2008. To help craft a personalized insurance policy for its clients, the agency compares the best car insurance policies from a variety of providers including CNA Surety, Cabrillo Coastal, and Berkshire Hathaway GUARD. In addition to offering personal and commercial lines of insurance, the agency provides group benefits for health savings accounts, vision insurance, and 401(k) retirement plans.

Clifton Park

Expertise.com Rating

Why choose this provider?

Armor Group Insurance Agency is a full-service local agency serving New York. It provides personalized auto insurance products and services to help drivers prepare for emergencies, like car accidents. Its team of professionals helps clients in crafting a policy by presenting coverage options from the best insurance companies, including South & Western, Hull & Company, and Columbia Lloyds. The agency also offers insurance plans for motorcycles, boats, and businesses. Its website allows clients to manage their existing policies.

Rochester

Expertise.com Rating

Review Sources

Facebook
5.0 (183)
Google
5.0 (82)
Yelp
5.0 (1)

Why choose this provider?

Flour City Insurance Agency provides solutions for clients across New York. The agency offers a myriad of insurance products from multiple carriers. It provides auto insurance plans for various types of vehicles, such as cars, vans, and trucks. It also offers motorcycle, ATV and motorsport, classic car, RV and mobile home, and boat and watercraft insurance plans. As an independent agency, it researches different policies to find the one that best suits its client�s needs. It also works with the carriers in resolving claims.

Schenectady

Expertise.com Rating

Why choose this provider?

John R. Zongrone Agency, Inc., helps clients in New York apply for cheap personal insurance products. The agency insures cars, recreational vehicles, watercraft, motorcycles, antique cars, and travel trailers. It also handles insurance policies for homes, rental properties, and seasonal residences to assist clients in protecting the future of their properties, finances, and loved ones. In addition to personal insurance, John R. Zongrone Agency is available for employee benefits and commercial insurance solutions. The agency represents MassMutual, Travelers, Progressive, and AmTrust Financial.

Schenectady

Expertise.com Rating

Review Sources

Google
5.0 (159)
Facebook
4.8 (29)

Why choose this provider?

Hopmeier Evans Gage Agency serves clients throughout New York. It offers comprehensive auto insurance plans, including collision, property damage, bodily injury liability, and uninsured and underinsured liability coverage. It helps clients understand their coverage options and assists them in finding the right level of coverage at the best prices. As an independent agency, it has access to various carriers, comparing multiple policies for its clients. The agency has been serving clients since 1968. David Evans, agency owner, is a Certified Insurance Counselor.

Staten Island

Expertise.com Rating

Why choose this provider?

TBI Insurance is a full-service agency that has been serving New York since 1984. It provides insurance policies for different types of automobiles including cars, vans, SUVs, and pickup trucks. Its team of professionals evaluates the personal and business needs of clients to determine what to look for in the insurance marketplace across a wide range of the best carriers, such as Liberty Mutual and Crum & Forster. The agency also writes insurance policies for classic cars, motorcycles, and RVs.

Staten Island

Expertise.com Rating

Review Sources

Google
5.0 (28)
Facebook
5.0 (15)

Why choose this provider?

DMAS Insurance is a family-owned and family-operated business that caters to clients in New York. The independent agency has been in the industry for over 75 years, providing auto, home, life, health, and commercial insurance solutions. Its auto insurance policy covers the client's various needs, from basic liability to custom equipment coverage. This policy covers both classic and collector cars. DMAS Insurance is a Trusted Choice agency and a member of the PIA and IIA.

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Silverline Insurance
936 Madison Street, Brooklyn, NY 11221
Firm Insurance Agency, LLC
5900 North Burdick Street, East Syracuse, NY 13057
Ellis, Moreland & Ellis
2005 West Genesee Street, Syracuse, NY 13219
Michele Proietti
3140 Sheridan Drive, Amherst, NY 14226
Narrows Insurance Agency, Inc.
8804 4th Avenue, Brooklyn, NY 11209
Vavas Insurance & Financial Services - Brooklyn Office
8423 3rd Avenue, Brooklyn, NY 11209
Kelly Schumacher
140 East Main Street, Huntington, NY 11743
GMI Brokerage Corp
2709 Coney Island Avenue, Brooklyn, NY 11235
John Garfinkel
203A Nassau Avenue, Brooklyn, NY 11222
Alpha/Omega Coverage Corp
1253 Richmond Avenue, Staten Island, NY 10314
Crowley Insurance Agency
202 North Center Street, East Syracuse, NY 13057
SEFCU Insurance Agency
469 State Street, Schenectady, NY 12305
Empire Region Insurance Agency
4 Avis Drive, Latham, NY 12110
5Boroughs Insurance Agency
1110 South Avenue, Staten Island, NY 10314
Armor Group Insurance Agency
1741 U.S. 9, Clifton Park, NY 12065
Flour City Insurance Agency
1260 Scottsville Road, Rochester, NY 14624
John R. Zongrone Agency, Inc.
1566 State Street, Schenectady, NY 12304
Hopmeier Evans Gage Agency
2330 Broadway, Schenectady, NY 12306
TBI Insurance
260 Christopher Lane, Staten Island, NY 10314
DMAS Insurance
1132 Forest Avenue, Staten Island, NY 10310

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

  • How does car insurance work?

    Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

  • What does car insurance cover?

    Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

  • Does car insurance cover theft?

    Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

  • How does a car insurance deductible work?

    A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

  • Do you need insurance to register a car?

    Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.