Praetorian Insurance Company: Customer Ratings & Reviews [2023]

Praetorian Insurance Company offers auto, home, life, and health insurance policies. Praetorian Home Insurance has some of the best rates nationwide, however, they have mixed to low reviews. Praetorian Insurance is currently offered in all 50 states and their customer service can be reached 24/7.

UPDATED: May 1, 2023Fact Checked

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: May 1, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: May 1, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: May 1, 2023Fact Checked
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Praetorian Insurance Company

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Offers auto, home, life, and health insurance policies
  • Available in all 50 states, including Washington, D.C.
  • 24/7 customer service
  • A.M. Best rating of A (Excellent)
  • Boasts some of the best rates nationwide

Cons

  • Mixed to low customer reviews
  • Claims phone number not listed on website
  • Rates not listed online

The Bottom Line

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 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.

Is Praetorian Insurance Company a Good Choice?

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 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

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.

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.

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Frequently Asked Questions

What types of insurance does Praetorian Insurance Company offer?

Praetorian Insurance Company offers auto, home, life, and health insurance policies.

Is Praetorian Insurance Company available in all 50 states?

Yes, Praetorian Insurance Company is currently offered in all 50 states, including Washington, D.C.

How can I reach Praetorian Insurance Company customer service?

Praetorian Insurance Company customer service can be reached 24/7 by phone for claims and quotes. Their 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.

What is Praetorian Insurance Company’s A.M. Best rating?

Praetorian Insurance Company has an A.M. Best rating of A (Excellent).

What are Praetorian Insurance Company’s rates for good drivers?

Praetorian Insurance Company does not currently list their rates online.

How do Praetorian Insurance Company’s rates compare to other insurance companies?

Praetorian Insurance Company has some of the best rates nationwide, but their customer reviews are mixed to low. It is recommended to compare quotes from many different insurance providers to make an informed decision.

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Praetorian Insurance Company

2.21 (7 reviews)
1
January 8, 2021

Pswagbucks

My bad experience with this awful company

I had a very bad experience with this company. I got into a very small car crash 1 year ago and this company prolonged the situation and forced me to pay more than what I was supposed to.
4
November 27, 2018

denisefff

Nice Folks

My experience with this company has been great. The staff are very nice people. They do their best to answer all question to get you a great plan.
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