Garden City has 22,941 residents in 7,655 households. We list 50 insurance agencies in Garden City. Here is what the local numbers say about the cover people here need.

Garden City at a glance

50insurance agencies listed
6.3%of households rentRenters insurance
$1,075,900median home valueHome insurance
1951median year homes were builtRebuild cost calculator
4.3%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 Nassau County

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

Winter weatherVery High
Ice stormVery 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 Garden City
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 Garden City How much liability cover do you need?

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

Insurance companies Garden City agencies work with

Of the 12 Garden City agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

AmTrust7 agencies
Travelers5 agencies
Employers4 agencies
Great American4 agencies
Travelers (Standard Fire)4 agencies
Chubb3 agencies
WESTERN SURETY COMPANY3 agencies
Chubb (ACE)2 agencies
CNA2 agencies
Liberty Mutual2 agencies

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

Questions

Insurance agencies in Garden City

How do I find an insurance agency in Garden City?

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 Garden City?

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

Which insurance companies do Garden City agencies work with?

Among the 12 Garden City agencies whose appointments we hold, the companies they are most often appointed with are AmTrust (7), Travelers (5), Employers (4), Great American (4), Travelers (Standard Fire) (4). An appointed agency can quote that company's policies.

Do I need flood insurance in Garden City?

FEMA's National Risk Index rates coastal flooding risk in Nassau 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.

Do I need renters insurance in Garden City?

6.3% of households in Garden City 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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