5 Best Insurance Agency in New York (2026)

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

By Lorian Hartfield, Real Estate and Financial Expert · ✓ Data verified July 2026 · 7 min read

Finding the right insurance agency in New York usually comes down to one moment: does the agent actually walk you through what you're buying, or just sell you a policy and move on. The agencies on this page have logged 608 reviews between them, all rated 4.6 stars or better, and the reviews consistently point back to one thing: how much time an agent spent explaining the coverage.

Short answer: The top-reviewed insurance agency in New York is Meilee Fu - State Farm Insurance Agent (4.9 stars across 278 reviews, the most of any agency here), with Silverline Insurance (4.8, 140 reviews) and LIFE143 (4.8, 84 reviews) as strong alternatives. Costs depend heavily on your coverage type, location and personal profile, so always get a specific quote rather than relying on a general estimate.

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1. Meilee Fu
2. Silverline Insurance
3. LIFE143
4. Prana Risk Insurance B…
5. Pedersen & Sons Surety…
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New York's Top Insurance Agencies Compared

#	Business	Rating	Reviews	Best for
1	Meilee Fu - State Farm Insurance Agent	4.9 ★	278	Auto, home and life / Chinatown	View ›
2	Silverline Insurance	4.8 ★	140	Independent broker / home and auto	View ›
3	LIFE143	4.8 ★	84	Health insurance specialist	View ›
4	Prana Risk Insurance Brokers & Agents	5.0 ★	53	Condo and property insurance	View ›
5	Pedersen & Sons Surety Bond Agency, Inc.	4.6 ★	53	Surety and court bonds	View ›

5 Best Insurance Agency in New York (2026)

Our top picks, reviewed

#1 Overall🕑 Open 5 days/wk↩ Responds to reviews

Meilee Fu - State Farm Insurance Agent

4.9278 Google reviews

Meilee Fu is a State Farm insurance agent based in Chinatown, offering auto, home, condo, renters, life, business and pet insurance among other products, according to the agency's own site. Fu has run the agency for more than 20 years, with the office reachable by call or text around the clock. It serves clients across Brooklyn, Queens, Staten Island and Long Island in addition to Manhattan.

What people praise

Quotes and policy setup repeatedly described as fast and straightforward
Staff, including Suzy Chow and Mandy Liang, praised by name for responsiveness
Long-tenured clients cite decades of consistent service
Highest rating and most reviews of any agency on this list

Worth knowing

Reviews focus on personal lines like auto and home, so ask directly about business coverage if that's your need

Reputation scorecardrank in New York

Rating4.9 / 5

Review volume278 · 97th

Confidencehigh

Recency4 weeks ago

Info completenesssite · phone · hours

Rating breakdown97% 5-star

✓ VerifiedSource: Google

Our take: The most-reviewed agency on this list with a 4.9 average, which points to consistency across a large client base. A strong first call for anyone bundling auto and home coverage.

Website +1212-233-0606 Directions

139 Centre St Ste 813, New York, NY 10013

#2🕑 Open 5 days/wk↩ Responds to reviews

Silverline Insurance

4.8140 Google reviews

Silverline Insurance is an independent insurance broker and agency based in the Financial District, working across home, auto and commercial coverage. As a broker rather than a single-carrier agency, it can shop policies across multiple insurers to compare pricing and terms. Reviews frequently mention working directly with agent Jessica on both new policies and coverage changes.

What people praise

Agents praised for explaining policy details in plain terms
Described as thorough in comparing options across carriers
Responsive to coverage changes as client needs shift over time
Clients report returning for multiple policies over several years

Worth knowing

Smaller review base than the top agency on this list

Reputation scorecardrank in New York

Rating4.8 / 5

Review volume140 · 92th

Confidencemoderate

Recency6 months ago

Info completenesssite · phone · hours

Rating breakdown92% 5-star

✓ VerifiedSource: Google

Our take: A solid pick if you want a broker comparing multiple carriers rather than a single-company agent. The reviews suggest particularly strong support for first-time home buyers.

Website +1718-499-0700 Directions

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

#3🕑 Open 7 days↩ Responds to reviews

LIFE143

4.884 Google reviews

LIFE143 is a health insurance agency in the Financial District that also covers auto, home, dental and life insurance, according to its Google listing. It keeps extended hours seven days a week, running well into the evening most nights. Reviews center on helping clients sort through health plan options and enrollment.

What people praise

Agents praised for patiently explaining complex health plan options
Described as thorough in comparing coverage tiers before recommending a plan
Extended daily hours make it easier to reach someone outside a typical workday

Worth knowing

At least one reviewer reported a slow, frustrating experience getting enrollment documentation finalized

Reputation scorecardrank in New York

Rating4.8 / 5

Review volume84 · 86th

Confidenceearly

Recency7 weeks ago

Info completenesssite · phone · hours

Rating breakdown95% 5-star

✓ VerifiedSource: Google

Our take: A reasonable choice specifically for health insurance guidance, though the one detailed complaint about enrollment follow-through is worth asking about directly before you sign up.

Website +1718-878-6484 Directions

61 Broadway Ste 2770, New York, NY 10006

#4🕑 Open 7 days

Prana Risk Insurance Brokers & Agents

5.053 Google reviews

Prana Risk Insurance Brokers & Agents is an independent broker on Wall Street that positions itself around education-first service, according to its own site, with a focus on New York's condo and property insurance market. It describes its approach as demystifying insurance and tailoring coverage rather than pushing a single product. Reviews consistently reference working with broker Seth Patel.

What people praise

Perfect rating across every review on this list
Agent praised repeatedly for honesty, including turning down business when it wasn't the right fit
Strong fit for New York-specific condo insurance needs
Fast turnaround, with one reviewer citing a policy set up in about 30 minutes

Worth knowing

Smallest review base among the top names here, so treat the sample as still building

Reputation scorecardrank in New York

Rating5 / 5

Review volume53 · 78th

Confidenceearly

Recency3 weeks ago

Info completenesssite · phone · hours

Rating breakdown100% 5-star

✓ VerifiedSource: Google

Our take: A perfect rating and a clear specialty in condo insurance make this worth a call if you're buying or insuring property in New York specifically.

Website +1646-517-4181 Directions

75 Wall St, New York, NY 10005

#5🕑 Open 7 days↩ Responds to reviews

Pedersen & Sons Surety Bond Agency, Inc.

4.653 Google reviews

Pedersen & Sons Surety Bond Agency is a Broadway-based insurance broker specializing in surety and court bonds, a narrower niche than the general agencies on this list. Reviews describe working directly with Neil Pedersen on bond needs tied to licensing, legal proceedings and business requirements. Several reviewers identify themselves as attorneys who use the agency on behalf of clients.

What people praise

Same-day service repeatedly cited for time-sensitive bond needs
Praised for honesty and directness, including from out-of-state clients
Attorneys report using the agency repeatedly for client needs

Worth knowing

A narrow specialty, so it isn't the right fit for standard auto or home insurance shopping

Reputation scorecardrank in New York

Rating4.6 / 5

Review volume53 · 78th

Confidenceearly

Recency6 years ago

Info completenesssite · phone · hours

Rating breakdown91% 5-star

✓ VerifiedSource: Google

Our take: Not a general insurance agency, but the clear specialist here if you need a surety or court bond specifically, and a favorite among the attorneys reviewing it.

Website +1212-227-7277 Directions

305 Broadway Ste 601, New York, NY 10007

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Watch: 5 Best Insurance Agency in New York (2026)

How we score

Every number on this page comes from public Google data as of the date shown, not from opinion or payment. Rating is the agency’s live Google star average. Review volume is how many clients have rated them, measured against other insurance agencies in New York. Confidence weighs the rating by that volume, so a 4.9 built on hundreds of reviews carries more weight than the same score from a handful. Recency reflects how recently clients are still leaving reviews. No agency can pay to change these numbers.

What affects insurance costs in New York?

Premiums vary widely based on the type of coverage, your location within the city, your claims history and the carrier itself. Rather than quote a number that likely won’t apply to you, here is what actually drives the cost of a policy:

Serving all of New York

These agencies are based in Chinatown and the Financial District, with several serving clients across Brooklyn, Queens, Staten Island and Long Island as well as Manhattan. Searching for an insurance agency near me? Every listing below shows a live phone number and directions so you can reach the closest option fast.

What to ask before you choose an insurance agency

Is the agent captive to one carrier, or can they compare policies across multiple insurers?
What exactly does the policy cover, and what is explicitly excluded?
How are claims handled, and who do you contact if something goes wrong?
Are there any discounts available for bundling multiple policies?
Can you get the full policy terms and premium in writing before committing?

Frequently asked questions

How did you choose these insurance agencies?

We started from insurance agencies in New York with a public Google presence, then ranked by rating, review volume, consistency and recency. See How we score above.

Are these rankings paid?

No. Rankings come from the public Google data in the scorecard. A business can pay to be a Featured Partner, which adds a badge and top placement, but that never changes another business’s score or position on the underlying data.

How often is this updated?

The data carries a verified date (July 2026 on this page). We refresh listings periodically so ratings and review counts stay current.

What’s the difference between an agent and a broker?

An agent, like Meilee Fu with State Farm, typically represents one carrier’s products. A broker, like Silverline Insurance or Prana Risk, can shop policies across multiple insurance companies to compare price and coverage.

Do any of these agencies handle specialty needs like surety bonds?

Yes. Pedersen & Sons Surety Bond Agency focuses specifically on surety and court bonds rather than general personal insurance, which is a different need than auto or home coverage.

The bottom line

Meilee Fu’s State Farm agency has the deepest review history and the top rating on this list, making it a solid starting point for auto and home coverage. Whichever agency you call, get the full policy terms in writing before you sign.

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