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Best Local Car Insurance Agencies in New York

Our Recommended Top 19

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.

10945Reviewed

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19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Local Car Insurance Agencies Serving New York
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.

Best Local Car Insurance Agencies Serving New York
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.

Best Local Car Insurance Agencies Serving New York
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.

Best Local Car Insurance Agencies Serving New York
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.

Best Local Car Insurance Agencies Serving New York
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.

Best Local Car Insurance Agencies Serving New York
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.

Best Local Car Insurance Agencies Serving New York
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.

Best Local Car Insurance Agencies Serving New York
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.

Best Local Car Insurance Agencies Serving New York
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.

Best Local Car Insurance Agencies Serving New York
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.

Best Local Car Insurance Agencies Serving New York
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.

Best Local Car Insurance Agencies Serving New York
New York
Visit WebsiteLicense: 603605

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (9)

Why choose this provider?

Masterpole Murphy Agency Inc. is a locally owned and operated independent firm providing car insurance in New York. It offers various policies, including collision, liability, and comprehensive coverage. The company represents a variety of providers, such as Chubb, Farmers Insurance, and Safeco, allowing individuals to compare plans, customize coverage, and choose competitive rates tailored to their specific requirements. Masterpole Murphy has been serving the metro since 1957, gaining valuable insights into the community's unique needs.

  • Multiple Carriers

Best Local Car Insurance Agencies Serving New York
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.

Best Local Car Insurance Agencies Serving New York
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.

Best Local Car Insurance Agencies Serving New York
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.

Best Local Car Insurance Agencies Serving New York
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.

Best Local Car Insurance Agencies Serving New York
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.

Best Local Car Insurance Agencies Serving New York
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.

Best Local Car Insurance Agencies Serving New York
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.

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Michele Proietti
3140 Sheridan Drive, Amherst, NY 14226
Kelly Schumacher
140 East Main Street, Huntington, NY 11743
Narrows Insurance Agency, Inc.
8804 4th Avenue, Brooklyn, NY 11209
John Garfinkel
203A Nassau Avenue, Brooklyn, NY 11222
Flour City Insurance Agency
1260 Scottsville Road, Rochester, NY 14624
TBI Insurance
260 Christopher Lane, Staten Island, NY 10314
Armor Group Insurance Agency
1741 U.S. 9, Clifton Park, NY 12065
Vavas Insurance & Financial Services - Brooklyn Office
8423 3rd Avenue, Brooklyn, NY 11209
Hopmeier Evans Gage Agency
2330 Broadway, Schenectady, NY 12306
SEFCU Insurance Agency
469 State Street, Schenectady, NY 12305
John R. Zongrone Agency, Inc.
1566 State Street, Schenectady, NY 12304
Masterpole Murphy Agency Inc.
1524 West Fayette Street, New York, NY 13204
Alpha/Omega Coverage Corp
1253 Richmond Avenue, Staten Island, NY 10314
GMI Brokerage Corp
2709 Coney Island Avenue, Brooklyn, NY 11235
Silverline Insurance
936 Madison Street, Brooklyn, NY 11221
5Boroughs Insurance Agency
1110 South Avenue, Staten Island, NY 10314
DMAS Insurance
1132 Forest Avenue, Staten Island, NY 10310
Crowley Insurance Agency
202 North Center Street, East Syracuse, NY 13057
Firm Insurance Agency, LLC
5900 North Burdick Street, East Syracuse, NY 13057

New York Car Insurance Agency FAQs

  • How much car insurance coverage do you need to operate a vehicle in New York?

    All drivers in New York must have liability coverage of at least $25,000 per person for bodily injury and at least $50,000 per person for bodily injury per accident. You should also have property damage coverage of at least $10,000 per accident. Please keep in mind that you must have insurance on your car as long as it is registered, whether you use it or not.

  • Can you use an out of state auto insurance in New York?

    No, you cannot use an auto insurance policy from another state in New York. The New York State DMV says that you should have New York auto liability insurance if you drive a car registered in New York within the state. But if you are just visiting or passing through the state, your car insurance will cover the damage.

  • Can you sue the other driver for additional damages if you sustained severe injuries in a car accident in New York?

    Yes, you can sue the other driver for more money if you were seriously hurt in a car accident in New York. The state has a no-fault law, which means that each person's insurance will pay for their own medical bills and lost wages. But if your medical bills are more than $50,000, you may be able to sue the other driver.

  • Does car insurance cover rental cars in New York?

    Yes, New York state law says that your auto liability insurance should cover any damage your rented car causes, as long as you only have it for 30 days or less. Please keep in mind that car rental companies may try to sell you extra insurance coverages like collision damage waivers, personal accident insurance, and personal effects insurance that are already covered by your own car or home insurance policies.

  • What is no-fault insurance in New York, and how does it affect you?

    In New York, if you get into a car accident, you do not have to prove who was at fault. This is how a no-fault statute works. No-fault insurance will pay for any damages, no matter who was at fault. This makes sure that everyone who was hurt in a car accident will be compensated for their injuries.