Is Patriot Insurance Company Legit?
Last Updated on January 14, 2026
If you’re searching “Is Patriot Insurance Company legit?” you’re likely trying to confirm you’re dealing with the real carrier—not a similarly named business or a scam. The short answer: yes, the Maine-based Patriot Insurance Company (headquartered in Yarmouth) is a legitimate, regulated insurance company that sells coverage through independent agents and is part of the Frankenmuth Insurance organization.
Below is a practical, up-to-date way to verify Patriot’s legitimacy, understand where it operates, and see what kinds of auto coverage it typically offers.
| Quick Facts | What To Know |
|---|---|
| Headquarters | Yarmouth, Maine |
| How You Buy Policies | Through a network of local independent agents (not a direct-to-consumer online insurer) |
| Main Service Area | Maine, New Hampshire, and Vermont (availability varies by product and underwriting rules) |
| Parent/Affiliation | Operates as part of the Frankenmuth Insurance group |
| Best Way To Verify It’s “The Real” Patriot | Match the company name and address on your declarations page, then confirm licensing with your state insurance department or NAIC tools |
Our Rating of Patriot Insurance Company
4
out of 5
★★★★☆
Summary
Bottom line: Patriot is a legitimate New England regional carrier best suited to drivers who value agent-led service, but it is less convenient for shoppers who want direct online buying.
Patriot Insurance Company is headquartered in Yarmouth, Maine and primarily serves parts of the Northeast through a network of independent agents rather than direct online sales. Coverage options generally mirror other regional carriers, including liability, collision, comprehensive, uninsured/underinsured motorist, and classic car coverage, plus add-ons that can vary by state. The company also points to strong third-party indicators and Frankenmuth Insurance backing, which can add confidence for policyholders, but its limited footprint and agent-first model may be a drawback if you want broader availability or full self-service online.
Best for
- Drivers in Maine, New Hampshire, or Vermont who want a local independent agent
- Households bundling auto with home, life, or business coverage through one carrier
- Owners of qualifying classic or collector vehicles seeking specialized coverage options
Not ideal for
- Drivers outside Patriot’s Northeast service area
- Shoppers who want to buy and manage policies fully online without an agent
- People who want detailed discount and pricing info upfront before speaking with an agent
- Our Rating of Patriot Insurance Company
- What Is Patriot Insurance Company?
- Where Is Patriot Insurance Company Available?
- How Patriot Insurance Works for Auto Insurance
- Patriot Insurance Company Auto Coverage Options
- Potential Discounts and Ways To Save
- How To Verify Patriot Insurance Company Is Legit
- Patriot Insurance Company Contact Information
- How To Get a Quote
- Final Word
- FAQs on Patriot Insurance Company Legitimacy
What Is Patriot Insurance Company?
Patriot Insurance Company is a regional insurer based in Yarmouth, Maine, serving policyholders primarily in northern New England. The company traces its history to 1966 and expanded into property and casualty insurance in the early 2000s. In 2007, Patriot joined the Frankenmuth Insurance organization, which provides additional scale and back-office support.
Today, Patriot sells insurance through independent agents and generally focuses on relationship-based service rather than instant online purchasing.
Where Is Patriot Insurance Company Available?
Patriot is best known as a regional carrier serving Maine, New Hampshire, and Vermont. Availability depends on the product (auto vs. home vs. business vs. life), underwriting guidelines, and whether an agent in your area is appointed to place Patriot policies.
Quick tip: The safest way to avoid impersonators is to use the phone number and website printed on your declarations page. If someone asks for payment by gift card, wire transfer, or crypto, treat it as a scam and contact your agent or the carrier directly.
How Patriot Insurance Works for Auto Insurance
Unlike carriers that sell direct online, Patriot typically routes sales and service through agents. That can be a plus if you want help comparing limits, deductibles, and add-ons—especially if your situation is more complex (multi-car households, teen drivers, bundled policies, or higher liability limits).
Your agent can help you structure anything from a basic liability policy to full coverage auto insurance (liability + comprehensive + collision) based on lender requirements and your budget.
Patriot Insurance Company Auto Coverage Options
Coverage names can vary slightly by state and policy form, but Patriot’s auto offerings generally track what you’ll see with other regional carriers. Here’s a helpful overview of common coverages and when they matter.
| Coverage | What It Helps Pay For | When It’s Most Important |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required in most states; critical for protecting your assets |
| Collision | Repairs to your car after an at-fault crash (subject to your deductible) | Common on financed/leased vehicles; helpful for newer cars |
| Comprehensive | Theft, fire, vandalism, glass damage, animal strikes, weather losses (subject to deductible) | Important if replacing your vehicle would be a financial hit |
| Uninsured/Underinsured Motorist | Injuries (and in some states property damage) if you’re hit by a driver with little/no insurance | Valuable anywhere, especially where uninsured driving is a concern |
| Common Add-Ons | Options like rental reimbursement, towing, enhanced glass, and higher medical limits (varies by state) | Good for commuters, multi-car households, or anyone wanting fewer out-of-pocket surprises |
| Classic/Collector Coverage | Specialized coverage structures for qualifying collector vehicles | Best if your car has restricted use, special storage, or collector value |
Potential Discounts and Ways To Save
Discounts are state-specific and depend heavily on underwriting, driving record, vehicle details, and whether you bundle. Your agent can confirm what applies to you.
- Driver-history incentives, including variations of good driver discounts
- Multi-policy savings, especially when you bundle auto and home
How To Verify Patriot Insurance Company Is Legit
Legitimate insurers are regulated at the state level. If you want to verify Patriot (or any carrier), here’s a checklist that works nationwide:
- Check your declarations page: Confirm the exact company name, mailing address, and NAIC/company code (if shown) match what the agent or caller is claiming.
- Confirm licensing: Use your state department of insurance’s company search, or the NAIC’s company search tools, to confirm the insurer is authorized where you live.
- Validate payment channels: Legit carriers and agencies accept standard payment methods (card/ACH/check). Be skeptical of urgent demands or unusual payment methods.
- Ask for agent credentials: A licensed agent should be able to provide their license number and the state they’re licensed in.
Quick tip: If you’re unsure whether you’re dealing with the correct company, call Patriot using the number on its official website and ask them to confirm the agency/producer name. Don’t rely on a number from a text message or unknown email signature.
Patriot Insurance Company Contact Information
If you need to reach Patriot Insurance Company directly, here are the published contact channels. (Hours and routing can change on holidays.)
| Department | Contact | Availability |
|---|---|---|
| General | 207-847-1800 | Mon–Fri: 8:00 AM–4:30 PM ET |
| Toll-Free | 866-460-1776 | Mon–Fri: 8:00 AM–4:30 PM ET |
| Claims (Phone) | 866-460-1776 | Published as available 24/7 for claim reporting |
| Mailing Address | Patriot Insurance Company, 701 US Route One, Suite 1, Yarmouth, ME 04096 | — |
| Fax (Personal Lines Underwriting/Billing) | 888-235-7254 | — |
| Fax (Commercial Lines Underwriting) | 800-811-5722 | — |
| Fax (Claims) | 888-235-7289 | — |
| Website | patriotinsuranceco.com | — |
How To Get a Quote
Patriot typically works through local agents. If you want a quote, the simplest path is to contact an independent agent who can confirm eligibility, recommend limits, and quote bundling options (auto + home, for example). Expect to provide driver details, vehicle information (VIN), garaging address, and prior insurance history.
Final Word
Patriot Insurance Company is a legitimate regional insurer based in Maine and operating primarily through independent agents in northern New England. It can be a solid fit if you prefer a relationship-based approach and want help tailoring coverage and limits. As with any carrier, the best way to judge fit is to compare quotes, confirm coverages in writing, and verify licensing in your state.
