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5 Best Car Insurance in New York (2026)

Independently ranked by our review of ratings, reviews and reputation · How we chose

Lorian Hartfield
By Lorian Hartfield, Real Estate and Financial Expert · ✓ Data verified July 2026 · 8 min read

Shopping for car insurance in New York usually means wading through rate comparisons that never quite match what shows up on the bill. The agents and brokers below sit within a tenth of a star of each other, 4.8 to 4.9, so the real gap isn't rating, it's the almost 300-review track record some names carry versus the 122 reviews behind the newest one. That difference in volume, not the score itself, is what should shape who you call first for car insurance in New York.

Short answer: Meilee Fu's State Farm agency leads this list at 4.9 stars across 278 reviews, the deepest track record here. Robert Springer and Cheukping Shiu, both working through the multi-carrier brokerage Comparion Insurance, match that 4.9 rating with smaller but recent review bases. None of the rates or coverage details mentioned by reviewers are guarantees, always confirm current pricing directly with an agent.
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How These New York Car Insurance Agents Compare

# Business Rating Reviews Best for
1 Meilee Fu - State Farm Insurance Agent 4.9 278 Overall / multi-policy bundling View ›
2 Robert Springer 4.9 196 Comparing quotes across multiple carriers View ›
3 Jeff Waddle Ins Agency Inc 4.9 166 Long-standing State Farm relationships View ›
4 Silverline Insurance 4.8 140 First-time buyers and mixed personal-commercial coverage View ›
5 Cheukping Shiu 4.9 122 Rebuilding coverage after a lapse View ›
5 Best Car Insurance in New York (2026)

Our top picks for car insurance in New York

Meilee Fu - State Farm Insurance Agent logo
#1 Overall🕑 Open 5 days/wk

Meilee Fu - State Farm Insurance Agent

4.9278 Google reviews

Meilee Fu is a State Farm insurance agent operating out of Chinatown in lower Manhattan, offering auto, home, life, business, and several specialty lines including pet and boat insurance, and covering New York City, Brooklyn, Queens, Staten Island, and Long Island. Fu has run the agency for more than 20 years, and staff member Suzy Chow comes up repeatedly in reviews as a day-to-day point of contact. The agency leans into bundling policies, several long-time clients describe pairing auto, homeowner, and life coverage under one roof.

What people praise

  • Highest review count of any agency on this page, with 278 ratings on file
  • Multiple clients describe relationships spanning 20-plus years with the same agency
  • Reviewers say questions get clear, prompt answers by phone or text
  • Praised for handling several policy types, auto, home, and life, without needing separate agents
Reputation scorecardrank in New York
Rating4.9 / 5
Review volume278 · 97th
Confidencehigh
Recency2 months ago
Info completenesssite · phone · hours
Rating breakdown97% 5-star
✓ VerifiedSource: Google

Our take: Meilee Fu's agency has the deepest, most consistent review history here, which is why it tops the list. It's a strong default if you want one agent handling several policy types rather than shopping each line separately.

139 Centre St Ste 813, New York, NY 10013

Robert Springer logo
#2🕑 Open 7 days

Robert Springer

4.9196 Google reviews

Robert Springer works as an insurance agent through Comparion Insurance, a brokerage based in the Financial District that shops coverage across multiple carriers rather than selling a single company's policies. He handles auto, home, life, motorcycle, and renter's insurance, and reviewers frequently mention colleague Raquel Dalessio alongside him as part of the same team. Because Comparion compares products from several insurers, reviewers describe being walked through multiple options rather than handed one quote.

What people praise

  • Reviewers consistently mention being shown multiple coverage options before deciding
  • Described as fast turnaround, one reviewer needed a policy on a tight deadline and got it
  • Team members praised for explaining coverage differences in plain language
  • Colleague Raquel Dalessio cited separately for thorough claims guidance

Worth knowing

  • Newest reviews trend toward five months old, a bit less current than the freshest names on this list
Reputation scorecardrank in New York
Rating4.9 / 5
Review volume196 · 92th
Confidencehigh
Recency5 months ago
Info completenesssite · phone · hours
Rating breakdown96% 5-star
✓ VerifiedSource: Google

Our take: Springer's multi-carrier setup through Comparion is the differentiator here, useful if comparing quotes across companies matters more than staying with one brand. It ranks second on a smaller, if still strong, review base than the top pick.

28 Liberty St 5th Flr, New York, NY 10005

Jeff Waddle Ins Agency Inc logo
#3🕑 Open 5 days/wk

Jeff Waddle Ins Agency Inc

4.9166 Google reviews

Jeff Waddle Ins Agency is a State Farm agency on West 8th Street offering auto, home, health, and life insurance, with staff member Michelene Colette named in nearly every review as the primary contact for claims and policy changes. Clients describe using the agency for cars, motorcycles, and rental coverage, often across several years with the same team.

What people praise

  • Reviewers describe Michelene Colette as responsive and effective at resolving disputed claims
  • Multiple long-time clients report consistent service across auto, home, and other policy types
  • One reviewer credited staff with successfully contesting a false claim filed against their policy
  • Praised for quick turnaround on routine requests like payments and coverage changes

Worth knowing

  • Every review currently on file for this agency dates back roughly three years, the least recent feedback of any business on this page
Reputation scorecardrank in New York
Rating4.9 / 5
Review volume166 · 86th
Confidencemoderate
Recency3 years ago
Info completenesssite · phone · hours
Rating breakdown97% 5-star
✓ VerifiedSource: Google

Our take: We rank Jeff Waddle third on a genuinely strong historical record, every review is glowing, but it's also the coolest recency signal on this list, worth confirming current service levels with a fresh call before committing.

53 W 8th St Ste FE, New York, NY 10011

Silverline Insurance logo
#4🕑 Open 5 days/wk

Silverline Insurance

4.8140 Google reviews

Silverline Insurance is an independent broker based on Greenwich Street in the Financial District, handling home, auto, and commercial vehicle policies by comparing options across multiple carriers rather than representing a single insurer. Agent Jessica is named in nearly every review as the point of contact, credited with walking first-time home buyers through coverage details most agents skip.

What people praise

  • Reviewers highlight patient, detailed explanations of what each part of a policy actually covers
  • Credited with finding better coverage at a lower price than a client's existing policy
  • Handled a mix of personal auto and commercial vehicle coverage for the same client
  • Praised for genuine education on insurance terms, not just a sales pitch

Worth knowing

  • Rating sits a few tenths below the top three names here, with a slightly smaller review base to match
Reputation scorecardrank in New York
Rating4.8 / 5
Review volume140 · 81th
Confidencemoderate
Recency5 months ago
Info completenesssite · phone · hours
Rating breakdown92% 5-star
✓ VerifiedSource: Google

Our take: Silverline ranks fourth on a real but smaller review history than the agencies above it, though clients consistently describe the kind of hand-holding that matters most for someone buying auto or home coverage for the first time.

4, 150 Greenwich St 29th Floor Suite 2906, New York, NY 10007

Cheukping Shiu logo
#5🕑 Open 7 days

Cheukping Shiu

4.9122 Google reviews

Cheukping Shiu is an insurance agent working through Comparion Insurance out of the same Liberty Street office as Robert Springer, handling auto, home, life, motorcycle, and renter's insurance by comparing multiple carriers rather than one brand. Reviewers describe returning to Shiu after a gap in coverage, including one client who had gone three years without auto insurance and needed a policy set up quickly after buying a new vehicle. Several report multi-year relationships spanning both vehicle and home insurance needs.

What people praise

  • Reviewers highlight patience explaining coverage levels side by side with a competing quote
  • One client re-established auto coverage after a multi-year lapse without issues
  • Praised as knowledgeable and thorough by clients working with her for three-plus years
  • Freshest reviews of any business on this page, the most recent dated about three weeks old

Worth knowing

  • Smallest review count of the five agencies here, so the 4.9 average carries less statistical weight
Reputation scorecardrank in New York
Rating4.9 / 5
Review volume122 · 75th
Confidencemoderate
Recency3 weeks ago
Info completenesssite · phone · hours
Rating breakdown98% 5-star
✓ VerifiedSource: Google

Our take: Cheukping Shiu has the freshest feedback on this page and an equally strong rating, but the thinnest review base is why she rounds out the list at five rather than higher. A strong pick if recency matters most, or if you're rebuilding coverage after a gap.

28 Liberty St 5th Flr, New York, NY 10005

6

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How we scored these agencies

Rating is the live Google average pulled directly from each agent’s listing. Review volume measures how many customers have left feedback, ranked against every car insurance agent we pulled for New York. Confidence weighs the rating against that volume, a 4.9 from 278 people carries more weight than the same score from 122. Recency checks how current the feedback is, useful in an industry where staff and pricing change often. No agency on this page paid to change any of these numbers.

How much does car insurance cost in New York? (2026)

Car insurance premiums in New York depend on factors an agent needs to see directly: your driving record, the vehicle itself, where you park it, and how much coverage you carry above the state’s legal minimum. Rates also vary agency to agency and change throughout the year, so nothing here should be read as a quote. The fastest way to a real number is asking one of these agents for a same-day comparison across a few carriers.

Car insurance agents serving all of New York

These five offices sit within a few blocks of each other in lower Manhattan, Chinatown, the Financial District, and Greenwich Village, but most serve clients across the five boroughs plus Long Island and parts of New Jersey by phone or video call. If you’re searching for car insurance near me from Brooklyn or Queens, distance from the office matters less than it used to, most policy work happens remotely anyway.

What to ask before you choose a car insurance agent

  • Do you represent one insurer, or compare quotes across multiple carriers?
  • What’s included beyond the state minimum, and what would it cost to raise it?
  • How does bundling auto with home or renter’s insurance change the price?
  • What’s the process if I need to file a claim, and who do I actually call?
  • Are there discounts for driving history, vehicle safety features, or low mileage?
  • How often will my policy be reviewed, and will you tell me if a better rate becomes available?

Frequently asked questions

Are these rankings paid?

No. Rankings come from public Google data. A business can pay to be a Featured Partner (badge and top placement), but that never changes another business’s score or position.

How did you choose these five agencies?

We pulled every car insurance agent and broker with a meaningful review base operating in New York, then ranked them on a mix of live Google rating, review volume, and how recently customers have actually left feedback.

How often is this list updated?

We refreshed the data behind this page in July 2026 and revisit it periodically as ratings and review counts shift.

Is car insurance required by law in New York?

Yes, New York requires drivers to carry a minimum level of liability coverage. An agent can confirm current minimums and whether your situation calls for more.

Does an independent broker cost more than going straight to an insurer?

Not typically. Brokers like Comparion Insurance are usually paid by the carrier they place you with, not by an added fee to the client, though it’s worth confirming directly.

The bottom line

Meilee Fu’s agency is the safe default, the longest track record and the most reviews behind it. If comparing quotes across multiple insurers matters more to you than sticking with one brand, Robert Springer or Cheukping Shiu at Comparion Insurance are worth a call instead. Either way, get more than one quote before you sign.

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