Melville has 19,714 residents in 7,255 households. We list 11 agencies for auto insurance in Melville. Here is what the local numbers say about the cover people here need.

Melville at a glance

11auto insurance agencies listed
11.9%of households rentRenters insurance
$788,900median home valueHome insurance
1983median year homes were builtRebuild cost calculator
6.4%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Suffolk County

FEMA rates the overall natural hazard risk in Suffolk County, where most Melville agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Winter weatherVery High
Coastal floodingVery High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance in New York
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Melville
Ice stormVery High
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in New York

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in New York

New York requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $10,000 of property damage liability, often written 25/50/10. It also requires personal injury protection ($50,000) and uninsured motorist coverage ($25,000 per person, $50,000 per accident). New York is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Melville How much liability cover do you need?

Source: dfs.ny.gov. Checked 2026-10-24.

Insurance companies Melville agencies work with

Of the 11 Melville agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

The Hartford7 agencies
Chubb5 agencies
Liberty Mutual4 agencies
Travelers (Standard Fire)4 agencies
AmTrust3 agencies
Chubb (ACE)3 agencies
Principal3 agencies
Progressive3 agencies
PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY3 agencies
Travelers3 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Auto insurance in Melville

All insurance agencies in Melville · Auto insurance across New York

Where can I find auto insurance in Melville?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does auto insurance cover?

Covers your car for damage, theft and the harm you could cause to others.

Which insurance companies do Melville agencies work with?

Among the 11 Melville agencies whose appointments we hold, the companies they are most often appointed with are The Hartford (7), Chubb (5), Liberty Mutual (4), Travelers (Standard Fire) (4), AmTrust (3). An appointed agency can quote that company's policies.

Do I need flood insurance in Melville?

FEMA's National Risk Index rates coastal flooding risk in Suffolk County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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