Insurance agencies · New York

Insurance Agencies in Albany, NY

Local agencies in Albany for home, auto, life and business insurance. Compare them and call one directly.

Local insight

Insuring a home, car or business in Albany

Albany has 100,492 residents in 44,357 households. We list 41 insurance agencies in Albany. Here is what the local numbers say about the cover people here need.

Albany at a glance

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

Natural hazard risk in Albany County

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

  • LightningRelatively High

    Fire and lightning are standard covered causes of loss on home policies.

    Home insurance in Albany
  • Ice stormRelatively High

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 AlbanyHow much liability cover do you need?

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

Insurance companies Albany agencies work with

Of the 15 Albany agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

  1. Nationwide6 agencies
  2. Mutual life carrier4 agencies
  3. The Lincoln National Life Insurance Company4 agencies
  4. American Modern3 agencies
  5. AmTrust3 agencies
  6. Annuity carrier3 agencies
  7. PRINCIPAL NATIONAL LIFE INSURANCE COMPANY3 agencies
  8. Pruco Life Insurance Company3 agencies
  9. The Hartford3 agencies
  10. Travelers3 agencies

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

What Albany agencies can write

Share of the 41 agencies listed in Albany that are appointed with at least one insurance company writing each type, or that name it on their own website.

  1. Life27%
  2. Home15%
  3. Workers' Compensation15%
  4. General Liability15%
  5. Business Owners Policy (BOP)15%
  6. Auto12%
  7. Commercial Auto12%
  8. Boat12%

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Albany agencies are

Albany agencies we list sit in 6 ZIP codes, mostly in Albany County.

  • 1220517 agencies
  • 122119 agencies
  • 122078 agencies
  • 122034 agencies
  • 122042 agencies
  • 122081 agency

Questions

Insurance agencies in Albany

How do I find an insurance agency in Albany?

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 insurance can I get from agencies in Albany?

Most often life, home, general liability, workers' compensation, business owners policy (bop). Pick a type in the filters to narrow the list.

Which insurance companies do Albany agencies work with?

Among the 15 Albany agencies whose appointments we hold, the companies they are most often appointed with are Nationwide (6), Mutual life carrier (4), The Lincoln National Life Insurance Company (4), American Modern (3), AmTrust (3). An appointed agency can quote that company's policies.

Do I need flood insurance in Albany?

FEMA's National Risk Index rates inland flooding risk in Albany County as Relatively Moderate 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.

Do I need renters insurance in Albany?

61.8% of households in Albany rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

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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