Patriot Insurance Company Review

We've looked at over 1,000 insurance companies rating them on strength, accessibility, and service to find the best ones. Here's what people think about Patriot Insurance Company.

Patriot Insurance Company at a Glance

  • Founded in 1966
  • Offers personal and business coverage
  • Rated "A" (excellent) by AM Best
  • Rated "A+" (excellent) by the Better Business Bureau (BBB)
  • 24/7 claims reporting
  • Works with independent insurance agents

Patriot Insurance pros: High ratings by AM Best and the BBB. Good customer feedback. Great user-friendly experience. Wide selection of coverages. Personal and business coverage offered. Offers 24/7 claims reporting. Works with independent insurance agents.

Patriot Insurance cons: Not BBB accredited. Not much information provided about discounts.

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does Patriot Insurance Offer?

Here's a look at some of the insurance products offered by Patriot Insurance.

  • Auto insurance
  • Home insurance
  • Umbrella insurance (personal and business)
  • Watercraft and snowmobile insurance
  • Life insurance (term and whole)
  • Businessowners insurance
  • Business auto insurance
  • Workers' comp
  • Cyber liability insurance
  • Professional liability insurance

Your independent insurance agent can help you find more information about the coverages offered by Patriot Insurance, and help you decide if this insurance company is right for you.

What to Know about Patriot Insurance Company

Founded in 1966, Patriot Insurance Company has several decades' worth of experience under their belt. The carrier is headquartered in Yarmouth, ME. In 2007, Patriot Insurance began partnering with Frankenmuth Insurance.

Patriot Insurance offers a wide selection of products, including personal and business lines. The carrier offers home insurance, life insurance, cyber liability insurance, and much more. They work exclusively with independent insurance agents to give their customers and policyholders the best possible experience. There are 94 employees on their LinkedIn network.

Thanks to their large catalogue of products and network of independent insurance agents, Patriot Insurance Company has earned a reputation over time as a reputable and financially sound insurance company. AM Best gives Patriot Insurance an overall “A” rating, indicating the carrier is an excellent choice.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 


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What Discounts Does Patriot Insurance Offer?

Patriot Insurance only shares a couple of their discounts for home and auto insurance without going through an independent insurance agent. 

  • Safe driving discount
  • Bundling discount

Patriot Insurance does not provide further details about how to qualify for these discounts, or how much they'll save you on your coverage. For more information about Patriot Insurance discounts, work with an independent insurance agent. Independent insurance agents work hard to get you the most affordable coverage.

Patriot Insurance Customer Service

Here's an overview of Patriot Insurance's customer service options and availability. 

  • Phone contact option
  • Snail mail contact option
  • Fax contact option
  • Contact form on website
  • 24/7 phone claims reporting
  • Customer service department has the following hours

Hours (ET)

Monday-Friday 8 am - 4:30 pm

Saturday CLOSED


To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

Patriot Insurance Company FAQ

What is Patriot Insurance's average claim response time frame?

Patriot Insurance does not make a specific claims response time frame promise.

What is Patriot Insurance's customer service availability?

Patriot Insurance is available at regular hours through the week and allows customers to contact them through several mediums. They also offer 24/7 claims reporting.

What is Patriot Insurance's claims process?

Patriot Insurance does not offer much information about their claims process beyond how to file. However, an independent insurance agent can file claims for you and keep you updated through every step of the process. 

Does Patriot Insurance create a user-friendly experience for customers?

Patriot Insurance's official website is easy to navigate. The carrier also has a comprehensive social media presence, overall making for a highly user-friendly experience.

Does Patriot Insurance have good businessowners insurance?

Patriot Insurance offers the following coverages under their businessowners insurance policies.

  • Replacement coverage on your building and contents
  • Replacement of lost income, up to 12 months
  • Accounts receivable
  • Bodily injury caused by your employees, products or services

Their businessowners coverage is available for the following types of businesses.

  • Retail stores and service
  • Distributors
  • Offices
  • Contractors

An independent insurance agent can help you find more information about Patriot Insurance's businessowners policies, and figure out if their coverage is right for you.

Is Patriot Insurance a good insurance company?

Patriot Insurance is highly rated by AM Best and the BBB. Customer feedback is mostly positive as well. Overall, Patriot Insurance can be considered a good insurance company.

Patriot Insurance Company Customer Reviews

Patriot is an amazing company! They respond to emails and phone calls promptly. My premiums have not gone up over the years. In fact they have only gone down. The longer you are a customer the better!

Good so far no claims filed. They notify us when policy term is coming to an end. This is very helpful when making decisions.

5 Stars
I really like this company, they have good coverage and I feel protected with them as my car insurance.

5 Stars
They have been great, low pricing for full coverage and have helped me out the only time I needed it with towing expenses covered.

5 Stars
No issues but so far I have not had a claim. It has been easy to deal with them on changes of covered people and banking info.'s Final Review

We award Patriot Insurance Company a final rating of 3.5 out of 5 stars. The carrier has several decades' of experience behind them now and is highly rated by AM Best and the BBB. Their customer reviews are overall very positive, too.

Patriot Insurance offers several important coverages for individuals and businesses alike. They also work exclusively with independent insurance agents, which we love. Further, they provide a highly user-friendly experience for their customers, including 24/7 claims reporting.

Overall, we highly recommend looking into Patriot Insurance Company with the help of an independent insurance agent to be your next trusted carrier. 

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