Is Patriot Insurance Company Legit?

Last Updated on June 28, 2023

Patriot Insurance Company is a Yarmouth, Maine-based insurance provider offering auto, home, business, and life insurance.

The company primarily serves policyholders across the Northeast and is a member of Frankenmuth Insurance.

Is Patriot Insurance Company legit? Should you buy insurance through Patriot Insurance Company? Keep reading to find out everything you need to know about Patriot Insurance Company today in our review.

Key Takeaways:

1. Patriot Insurance Company’s Unique Approach: Unlike many insurance companies that sell policies online, Patriot Insurance Company emphasizes a personal approach. The company sells insurance through a network of independent agents who can build customized policies for policyholders’ unique needs, focusing on the Northeast United States.
2. Diverse Coverage Options: Patriot Insurance Company offers various insurance types, including auto, home, life, and business insurance. For auto insurance specifically, they provide options like liability insurance, collision and comprehensive coverage, uninsured & underinsured motorist coverage, and classic car coverage.
3. Highly Rated Customer Satisfaction: Even though Patriot Insurance Company is not as large as other insurance companies, it’s favored by many customers for its personalized service and independent agent network. The company has an average rating of 4.06 out of 5 on Clearsurance, an A+ rating with the Better Business Bureau, and an A (Excellent) financial strength rating with AM Best.
4. Patriot Insurance Company’s History and Ownership: Founded in 1966 as a subsidiary of Blue Cross and Blue Shield of Maine, Patriot Insurance Company initially focused on health insurance but expanded in 2002 to offer property and casualty insurance. Since 2007, the company has been a member of Frankenmuth Insurance, a larger insurance provider, offering stability and financial strength.

What is Patriot Insurance Company?

Patriot Insurance Company is an insurance company available to customers throughout the Northeast United States.

The company sells insurance through a network of independent agents. Instead of selling insurance online, the company emphasizes a personal approach to auto, home, business, and life insurance. You work with an independent agent to find the right Patriot Insurance Company policy for your unique needs.

Patriot Insurance Company was founded in 1966 as a subsidiary of Blue Cross and Blue Shield of Maine. The company was originally named Blue Alliance Mutual, but they did business under the name Patriot Mutual Insurance Company. At launch, the company focused specifically on health insurance.

In 2002, Patriot Insurance Company expanded its business to offer property and casualty insurance – including home and auto insurance.

Patriot Insurance Company is based in Yarmouth, Maine. Since 2007, the company has been a member of Frankenmuth Insurance, founded in 1868 and headquartered in Frankenmuth, Michigan.

How Does Patriot Insurance Company Work for Car Insurance?

Patriot Insurance Company provides four broad types of insurance, including business, home, auto, and life insurance.

For auto insurance, the company offers customized insurance policies recommended by independent agents who live and work in your local community. Instead of selling car insurance online, the company requires you to work with a local agent who can build customized policies for your unique needs.

An independent agent can help you build the ideal Patriot Insurance Company policy for your unique needs. Your policy could include full coverage insurance with extensive coverage options and high limits. Or, it may be a basic liability policy to get you on the road safely.

Patriot Insurance Company Auto Insurance Coverage Options

Patriot Insurance Company offers similar coverage options to other major insurance companies. You can buy liability insurance through Patriot Insurance Company to meet insurance requirements in your state. Or, you can buy full coverage car insurance, auto and home insurance bundles, and classic car coverage, among other options.

Patriot Insurance Company’s auto insurance coverage options include:

Liability Insurance: Most states in the Northeast, except for New Hampshire, require drivers to carry liability insurance (and most drivers in New Hampshire carry liability insurance regardless). You can buy state-mandated liability insurance from Patriot Insurance Company, including property damage liability coverage, bodily injury liability coverage, and other required coverages.

Collision Coverage: Collision coverage covers the cost of repairing or replacing your own vehicle after a collision. If you collide with another vehicle, for example, and are at-fault, then Patriot Insurance Company’s collision coverage covers the cost of repairing your vehicle to pre-loss condition.

Comprehensive Coverage: Patriot Insurance Company’s comprehensive coverage covers vehicle theft, fire damage, flood damage, vandalism, and other incidents that damage or destroy your vehicle outside of accidents.

Uninsured & Underinsured Motorist Coverage: Many drivers carry uninsured and underinsured motorist coverage for added peace of mind. Some states require these coverages. Roughly 1 in 7 drivers across the United States are uninsured, and millions more have too little insurance.

Other Required & Optional Coverages: Patriot Insurance Company also offers certain other optional and required coverages that vary from state to state. You may be able to buy medical payments coverage, personal injury protection, towing coverage, rental car reimbursement coverage, umbrella insurance, medical and funeral expense coverage, work loss benefits coverage, and certain other coverage through Patriot Insurance Company, depending on your unique needs.

Classic Car Coverage: Patriot Insurance Company offers classic car coverage for three types of vintage vehicles, including antique vehicles, classic vehicles, and street rod or custom vehicles. If your car qualifies, Patriot Insurance Company’s Collector Car insurance protects your vehicle against damage, accidental loss of spare parts and/or accessories, medical expenses and funeral expenses, accidental injury to other and accidental death, and defense and court costs for covered claims – similar to an ordinary full coverage car insurance policy.

Patriot Insurance Company Auto Insurance Features

You have plenty of options for car insurance. Why pick Patriot Insurance Company? What makes the company unique?

Here are some of the features that distinguish Patriot Insurance Company from competitors in a crowded insurance marketplace:

Sold by Independent Agents Committed to Customer Service: Patriot Insurance Company emphasizes a personal approach to selling car insurance. The company is so committed to this personal approach, in fact, that you cannot buy insurance online through the official website; instead, you must work with independent agents in your area. An independent agent can recommend the best insurance based on your unique needs. This agent also helps with claims, adjusts coverage, and provides customer service throughout the life of your policy.

Available Exclusively in the Northeast: Patriot Insurance Company is available throughout select states in the Northeast United States. The company is headquartered in Maine and serves certain states throughout the region. If you want a regional insurer who understands the unique needs of Maine residents, then Patriot Insurance Company could be the right choice. The company also provides select service in Vermont and New Hampshire, depending on which insurance products you need (life insurance, for example, is exclusively available in Maine, Vermont, and New Hampshire).

Subsidiary of Frankenmuth Insurance: Although Patriot Insurance Company is a small and regional insurance company, the company is a subsidiary of Frankenmuth Insurance, a larger insurance provider.

24/7 Claims Handling: Patriot Insurance Company offers 24/7 claims handling. If you need to report a claim, you can contact Patriot Insurance Company’s claims hotline at 866-460-1776 at any time of day or night to initiate your claim.

Home, Auto, Life, & Business Insurance: Patriot Insurance Company isn’t just a car insurance company; the company also provides home, life, and business insurance. You can bundle multiple policies together to save money and expand coverage.

Patriot Insurance Company Auto Insurance Discounts

You can speak with a local, independent agent to ask about available Patriot Insurance Company discounts. Generally, the company provides a range of discounts based on your driving history, vehicle type, driving habits, and other factors.

Although Patriot Insurance Company provides limited information about discounts upfront, the company appears to offer discounts like:

• Safe driving discounts
• Bundling discounts

Is Patriot Insurance Company Legit? Patriot Insurance Company Auto Insurance Reviews

Patriot Insurance Company isn’t as large or well-known as other insurance companies in the United States—however, many drivers like Patriot Insurance Company for its personalized service and network of independent agents. Plus, Patriot Insurance Company has the backing of a larger insurance company (Frankenmuth Insurance).

Here are some of the reviews and ratings for Patriot Insurance Company from across the internet:

• Clearsurance drivers have awarded the company an average rating of 4.06 stars out of 5 overall, including a 4.42-star rating for car insurance. 83% of customers claimed they would likely renew their policy, and 78% would recommend the company to a friend. Although Clearsurance has just 18 reviews for Patriot Insurance Company overall, most customers are satisfied with the company’s coverage.
• Patriot Insurance Company has an A+ rating with the Better Business Bureau with 0 customer complaints. Many insurance companies have poor ratings with the BBB because drivers only leave reviews after a bad experience.
• Patriot Insurance Company has a financial strength rating of A (Excellent) with AM Best via its parent company, Frankenmuth Insurance. AM Best, which assesses the financial strength of insurance companies based on their assets and liabilities, has awarded the company an A (Excellent) financial strength rating, indicating the company should have no trouble covering liabilities in the near future.
• Patriot Insurance Company isn’t large enough to appear on JD Power’s annual rankings. JD Power surveys policyholders across the United States who have recently made a claim, then ranks the largest insurance companies based on responses. Neither Patriot Insurance Company nor Frankenmuth Insurance have appeared on the company’s latest rankings.

Contact Info

Address: Patriot Insurance 701 US Route One, Suite 1 Yarmouth, ME 04096

Phone Numbers:

• General: 207-847-1800 or toll-free at 866-460-1776
• Claims: Contact your local, independent agent during business hours or call toll-free at 866-460-1776

Fax Numbers:

• Personal Lines Underwriting and Billing: 888-235-7254
• Commercial Lines Underwriting: 800-811-5722
• Claims: 888-235-7289

Website URL: https://www.patriotinsuranceco.com

Final Word

Patriot Insurance Company is a Maine-based insurance company covering drivers throughout Maine, Vermont, New Hampshire, and certain other states in the Northeast United States.

To learn more about Patriot Insurance Company or to request a quote today, visit the official website or contact a local, independent agent.