Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 6, 2020

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Company Details
President: Stephen Terrence Fitzpatrick
Address: 88 Pine Street 4Th Floor
City: New York City
State: NY
ZIP Code: 10005
Phone Number: (212) 805-9700
Toll Free: (800) 233-6739
Year Founded: 1979-07-20
Company Rating 1.27 (37 reviews)

Types of Insurance Offered

Praetorian Insurance Company is a small insurance company headquartered in Sun Prairie, WI. They have an A.M. Best rating of A (Excellent). According to the Praetorian Insurance Company website, they offer auto, home, life, and health insurance policies, and they are available in all 50 American states, including Washington, D.C.

There are many reasons one may consider Praetorian Insurance Company. They have some of the best rates nationwide, but how do they stack up against the best insurance companies?

The Praetorian Insurance Company claims phone number is not listed on their website, but you can request a quote for auto insurance at 855-602-7724 or a quote for home insurance at 844-657-1562. You can also receive Praetorian Insurance company quotes, and other quotes, by entering your ZIP code into our free tool above.

Praetorian Insurance Company Rates

The rates offered through Praetorian Insurance differ based on the type of coverage you are purchasing. While they doesn’t currently list their rates online, we have provided information on how these rates might be determined for some of their most popular products.

Praetorian Auto Insurance

Most auto insurance companies determine rates based on a number of factors, including location, age, driving record, and more. On Praetorian Insurance’s website, they boast auto insurance programs as low as $20 a month.

They also claim to offer several auto insurance discounts, including a bundling discount wherein you can bundle Praetorian home and auto insurance policies. This can save you up to 15 percent.

Although Praetorian boasts low rates for car insurance, it is important to consider the policies they offer and their customer service before making a decision. You must also research how much auto insurance is required in your state, especially if you are only interested in minimum coverage. The chart below details each state’s minimum requirements for auto insurance.

Basic Liability Car Insurance Requirements by State
StateInsurance Required Minimum Liability Insurance Limits
ALBI & PD Liab25/50/25
AKBI & PD Liab50/100/25
AZBI & PD Liab15/30/10
ARBI & PD Liab, PIP25/50/25
CABI & PD Liab15/30/5
COBI & PD Liab25/50/15
CTBI & PD Liab, UM, UIM25/50/20
DEBI & PD Liab, PIP25/50/10
DCBI & PD Liab, UM25/50/10
FLPD Liab, PIP10/20/10
GABI & PD Liab25/50/25
HIBI & PD Liab, PIP20/40/10
IDBI & PD Liab25/50/15
ILBI & PD Liab, UM, UIM25/50/20
INBI & PD Liab25/50/25
IABI & PD Liab20/40/15
KSBI & PD Liab, PIP25/50/25
KYBI & PD Liab, PIP, UM, UIM25/50/25
LABI & PD Liab15/30/25
MEBI & PD Liab, UM, UIM, Medpay50/100/25
MDBI & PD Liab, PIP, UM, UIM30/60/15
MABI & PD Liab, PIP20/40/5
MIBI & PD Liab, PIP20/40/10
MNBI & PD Liab, PIP, UM, UIM30/60/10
MSBI & PD Liab25/50/25
MOBI & PD Liab, UM25/50/25*
MTBI & PD Liab25/50/20
NEBI & PD Liab, UM, UIM25/50/25
NVBI & PD Liab25/50/20
NHFR only25/50/25
NJBI & PD Liab, PIP, UM, UIM15/30/5
NMBI & PD Liab25/50/10
NYBI & PD Liab, PIP, UM, UIM25/50/10
NCBI & PD Liab, UM, UIM30/60/25
NDBI & PD Liab, PIP, UM, UIM25/50/25
OHBI & PD Liab25/50/25
OKBI & PD Liab25/50/25
ORBI & PD Liab, PIP, UM, UIM25/50/20
PABI & PD Liab, PIP15/30/5
RIBI & PD Liab25/50/25
SCBI & PD Liab, UM, UIM25/50/25
SDBI & PD Liab, UM, UIM25/50/25
TNBI & PD Liab25/50/15
TXBI & PD Liab, PIP30/60/25
UTBI & PD Liab, PIP25/65/15
VTBI & PD Liab, UM, UIM25/50/10
VABI & PD Liab, UM, UIM25/50/20
WABI & PD Liab25/50/10
WVBI & PD Liab, UM, UIM25/50/25
WIBI & PD Liab, UM, Medpay25/50/10
WYBI & PD Liab25/50/20
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On their website, Praetorian claims that they offer an additional package for collision and comprehensive coverage. Since basic liability coverage will only pay for the other driver’s damages during an at-fault accident, many people find it beneficial to have collision and comprehensive coverage.

Additionally, Praetorian Insurance offers roadside assistance with their basic coverage, something that many other auto insurance companies charge extra for.

Praetorian Home Insurance

Much like auto insurance, home insurance rates are based on a number of factors. Energy-efficient additions, pet ownership, and credit score are just a few variables that may affect your home insurance rates. The best way to inquire about Praetorian Insurance’s rates is to contact their customer service.

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Praetorian Insurance Customer Service

Praetorian offers 24/7 customer service, which can be reached for claims and quotes. Online bill payments and claims can also be made through their website. They also provide an insurance calculator to help give you an estimate of your possible insurance rates.

Praetorian Insurance Company Reviews

Praetorian Insurance reviews are fairly mixed. They do have a financial rating of A (excellent) from A.M. Best. However, the same can’t be said about their customer reviews on the site, where they’ve only received 1.5 out of 5 stars. The Better Business Bureau has given Praetorian Insurance a B-rating and customers have given them a 1 out of 5 stars on the site.

While these reviews are important, it is equally important to make your own decision. You can decide if Praetorian Insurance is best for you by inquiring about their policies and rates before making an informed decision.

Praetorian Insurance Company Additional Information

Praetorian Insurance Company is a Stock company that was incorporated in 1979-07-20. Praetorian Insurance Company is a Fire & Casualty insurance company and has assets of 1,063,106,487, capital of $5,000,000, and net surplus of $344,827,665.

The president of Praetorian Insurance Company is Stephen Terrence Fitzpatrick , the treasurer is , and the secretary is . Praetorian Insurance Company insurance plans include
airplane, auto, boat, business, health, and home.

Praetorian Insurance Company is located in New York City, NY and the phone number for Praetorian Insurance Company claims, customer, service, and additional information is (212) 805-9700.

Praetorian Insurance Company Insurance Quotes

If you already have Praetorian Insurance Company insurance quotes then be sure that you compare your quoted Praetorian Insurance Company insurance plans with insurance quotes from many other top insurance companies so that you can find the very best insurance plan for your needs. Enter your zip code in for free insurance quotes now!