New York is a state where life moves fast—and so do the risks that come with it. From bustling city streets to the peaceful suburbs and rural areas, New Yorkers need reliable insurance coverage to protect their homes, health, businesses, and vehicles. Whether you’re looking for affordable auto insurance, comprehensive homeowners coverage, or a health insurance plan you can count on, choosing the right company is key.To help you make an informed decision, we’ve rounded up the Top 10 Best Insurance Companies in New York based on factors like customer satisfaction, financial strength, product variety, affordability, and digital tools.
1. State Farm Insurance
Headquarters: Bloomington, IL (operates widely in NY)Founded: 1922Best For: Auto, home, and renters insuranceState Farm is one of the most trusted names in the insurance industry. With a strong local presence in New York, it offers a wide range of policies, including car, home, life, renters, and business insurance. Known for top-notch customer service and financial strength, State Farm is especially popular among drivers and homeowners.Highlights:- Extensive network of local agents across New York
- High claims satisfaction rating
- Bundling discounts for multiple policies
2. Allstate Insurance
Headquarters: Northbrook, ILFounded: 1931Best For: Personalized coverage and bundling optionsAllstate is a major player in the insurance world and serves thousands of New York residents. They offer flexible auto, home, life, and renters insurance. Allstate’s digital tools—like their mobile app and Drivewise program—set them apart in customer engagement and rewards.Highlights:- Smart rewards for safe drivers
- Excellent mobile and online tools
- Numerous agents in both urban and suburban NY areas
3. GEICO
Headquarters: Chevy Chase, MDFounded: 1936Best For: Affordable auto insuranceGEICO is known for competitive pricing and excellent digital service. While it’s a national brand, it has a solid presence in New York, especially among urban drivers looking for affordable yet reliable auto insurance. GEICO also offers renters, homeowners, and life insurance through partners.Highlights:- Low rates for drivers with clean records
- Fast, user-friendly app and quote system
- High customer retention
4. New York Life Insurance Company
Headquarters: New York City, NYFounded: 1845Best For: Life insurance and retirement planningAs one of the oldest and largest mutual life insurance companies in the U.S., New York Life has deep roots in the state it’s named after. They offer whole, term, and universal life insurance along with annuities and retirement planning services.Highlights:- Outstanding financial strength and longevity
- Personalized financial planning services
- Focus on long-term value rather than short-term gains
5. Liberty Mutual Insurance
Headquarters: Boston, MAFounded: 1912Best For: Home and auto bundlesLiberty Mutual is a versatile insurer that offers a wide range of policies, including auto, homeowners, renters, pet, and small business insurance. With several offices and agents throughout New York, Liberty Mutual appeals to customers who want customizable coverage and solid support.Highlights:- Great multi-policy discounts
- 24/7 customer service and claims support
- Strong financial ratings
6. USAA (For Military Members and Families)
Headquarters: San Antonio, TXFounded: 1922Best For: Military families and veteransUSAA serves military personnel, veterans, and their families with top-rated insurance products and banking services. If you qualify, you’ll enjoy exceptional customer service, competitive rates, and perks tailored to military life. USAA consistently ranks among the best for customer satisfaction in New York and beyond.Highlights:- Exclusive discounts for military families
- High claim satisfaction ratings
- Superior digital tools and mobile app
7. Progressive Insurance
Headquarters: Mayfield Village, OHFounded: 1937Best For: High-risk drivers and auto insurance savingsProgressive is popular among New Yorkers looking for flexible auto insurance, especially those with less-than-perfect driving records. The company also offers homeowners, renters, life, and commercial insurance, with helpful tools like the Name Your Price® tool and Snapshot® for driving analysis.Highlights:- Known for insuring high-risk drivers
- Customizable quotes with the “Name Your Price” tool
- Many local offices across New York State
8. EmblemHealth
Headquarters: New York City, NYFounded: In 2006, GHI merged with HIP.Best For: Health insurance in NYC and surrounding areasAs a New York-based health insurer, EmblemHealth is a top choice for residents seeking affordable, local health plans. Serving over 3 million people in the state, they offer Medicare, Medicaid, individual, and employer group plans.Highlights:- Strong focus on NYC and local health networks
- Community-based health services and programs
- Affordable plan options for individuals and families
9. MetLife
Headquarters: New York City, NYFounded: 1868Best For: Life, dental, and group employee insuranceMetLife is a household name in life and group benefits insurance. Headquartered in NYC, it provides term and whole life insurance, dental, vision, and disability plans. It’s especially popular among businesses and employers offering group benefits in New York.Highlights:- Global brand with deep NY roots
- Wide variety of group benefits and financial products
- Strong ratings for life and health policy management
10. Travelers Insurance
Headquarters: New York, NY (Main HQ in Hartford, CT)Founded: 1853Best For: Business and personal property insuranceTravelers is a well-established company known for commercial and personal insurance, including home, renters, auto, and umbrella coverage. With its regional hub in New York, the company offers personalized service and dependable claims handling.Highlights:- Competitive options for both individuals and businesses
- Excellent commercial insurance packages
- Reliable claims service and strong local presence
