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Written by
Chelsey Tucker
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Reviewed by
Daniel Walker
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UPDATED: Apr 30, 2022
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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.
Table of Contents
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.
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.
| State | Insurance Required | Minimum Liability Insurance Limits |
|---|---|---|
| AL | BI & PD Liab | 25/50/25 |
| AK | BI & PD Liab | 50/100/25 |
| AZ | BI & PD Liab | 15/30/10 |
| AR | BI & PD Liab, PIP | 25/50/25 |
| CA | BI & PD Liab | 15/30/5 |
| CO | BI & PD Liab | 25/50/15 |
| CT | BI & PD Liab, UM, UIM | 25/50/20 |
| DE | BI & PD Liab, PIP | 25/50/10 |
| DC | BI & PD Liab, UM | 25/50/10 |
| FL | PD Liab, PIP | 10/20/10 |
| GA | BI & PD Liab | 25/50/25 |
| HI | BI & PD Liab, PIP | 20/40/10 |
| ID | BI & PD Liab | 25/50/15 |
| IL | BI & PD Liab, UM, UIM | 25/50/20 |
| IN | BI & PD Liab | 25/50/25 |
| IA | BI & PD Liab | 20/40/15 |
| KS | BI & PD Liab, PIP | 25/50/25 |
| KY | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| LA | BI & PD Liab | 15/30/25 |
| ME | BI & PD Liab, UM, UIM, Medpay | 50/100/25 |
| MD | BI & PD Liab, PIP, UM, UIM | 30/60/15 |
| MA | BI & PD Liab, PIP | 20/40/5 |
| MI | BI & PD Liab, PIP | 20/40/10 |
| MN | BI & PD Liab, PIP, UM, UIM | 30/60/10 |
| MS | BI & PD Liab | 25/50/25 |
| MO | BI & PD Liab, UM | 25/50/25* |
| MT | BI & PD Liab | 25/50/20 |
| NE | BI & PD Liab, UM, UIM | 25/50/25 |
| NV | BI & PD Liab | 25/50/20 |
| NH | FR only | 25/50/25 |
| NJ | BI & PD Liab, PIP, UM, UIM | 15/30/5 |
| NM | BI & PD Liab | 25/50/10 |
| NY | BI & PD Liab, PIP, UM, UIM | 25/50/10 |
| NC | BI & PD Liab, UM, UIM | 30/60/25 |
| ND | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| OH | BI & PD Liab | 25/50/25 |
| OK | BI & PD Liab | 25/50/25 |
| OR | BI & PD Liab, PIP, UM, UIM | 25/50/20 |
| PA | BI & PD Liab, PIP | 15/30/5 |
| RI | BI & PD Liab | 25/50/25 |
| SC | BI & PD Liab, UM, UIM | 25/50/25 |
| SD | BI & PD Liab, UM, UIM | 25/50/25 |
| TN | BI & PD Liab | 25/50/15 |
| TX | BI & PD Liab, PIP | 30/60/25 |
| UT | BI & PD Liab, PIP | 25/65/15 |
| VT | BI & PD Liab, UM, UIM | 25/50/10 |
| VA | BI & PD Liab, UM, UIM | 25/50/20 |
| WA | BI & PD Liab | 25/50/10 |
| WV | BI & PD Liab, UM, UIM | 25/50/25 |
| WI | BI & PD Liab, UM, Medpay | 25/50/10 |
| WY | BI & PD Liab | 25/50/20 |
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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.
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 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 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 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.
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!
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Review
terrible results
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Can I pay my car insurance online?
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Worst insurance company ever. After changing to Geico, they sent me a bill with a cancellation fee. WTF!! My policy was already over
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This insurance really has to be a joke. Trying to file a claim on my home due to weather damage and not only can I find anything on site about even the word claim but their voice mail service hangs up the phone on you.
Most insurance companies you can file a claim 24 hours. I’ll be lucky if file a claim with this company!
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This company is horrible. They will gladly take your money but when it comes to helping you out, forget about it.
WORST INSURANCE COMPANY EVER.
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Worst experience ever.
I work for an insurance company and tried to file a claim on behalf of their insured. Got transferred to four different companies and wound up having to leave a voicemail.
So unprofessional.
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calling this company is a pain in the neck. called 5 times ,automated system hangs up on you. unable to speak to a live person is impossible
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The experience I had with Praetorian was the best I’ve ever had with the 50 years of having insurance policies.
I would recommend this company to anyone looking for home or auto insurance! Thank you, Praetorian!
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This company is the best in financial strength.
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Worst. Service. Ever.
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To get a hold of someone extremely difficult.
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This is the worst insurance company in the world. Someone rear ended me and they wouldn’t pay my medical bills!!!
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They were very responsive paying my claim. Friendly and professional service, too.
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I haven’t had any complaints so far…
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Thank you for your great Service
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It is extremely difficult to get through to this company. I called 10 numbers before I was directed to the appropriate department, after submitting the info for a claim, I was told that I have to wait for another date for them to call me with a claim number.
Very bad service.
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The worst company I have ever dealt with and I deal with all the ins companies.
They do not want to pay out, I am a claimant and the person I am dealing with, you would think that the money is coming out of her pocket. Mind you I was hit parked!!!
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Raised homeowner’s insurance by over $300 a year for no reason at all other than just because…
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Don’t fall for them.
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Tried calling them for a copy of our client’s insurance. Busy Busy Busy, system hangs up on you…. I work with all insurance companies, this is the WORST insurance company…
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Why-why-why must I have to dial eighteen thousand five hundred and sixty-two numbers to make a claim and then repeat to get my claim number/info????????!!!!!
And how is it the adjustor can give me an estimate via e-mail from another state without even looking at the damage????? So does this company hire psychics??
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This company SUCKS for homeowners insurance. I have called 6 numbers, wasted over an hour and still have yet to talk to someone.
Praetorian company you should be ashamed of yourselves!!!
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Horrible insurance company!! Don’t go with them!
Made our claim such a long and difficult process. Never told us what we needed to be doing; just threw things in our lap and expected us to know. Then we could NEVER get a hold of anyone to help explain things.
Such a NON-customer focused company
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Review
I’m sending this message in regards to my claim 2013088530. I filed this claim because my roof has experienced a tremendous amount of hale and wind damage. The insurance adjuster that was contracted by your company stated that because of the amount of damage, my roof should be replaced. In addition, 3 roofing contractors came out and stated the same.
I have had to call numerous times to speak with my insurance handler and on each occasion not get any additional information. The constant calling has been going on for over a month. Initially, it was because she wasn’t sure what was covered and what wasn’t covered. Then it was she needed to review my claim with her manager. Then it was, her manager is in training (on a Monday) and he will not be out of training until Friday of the same week. Then it was my manager came back from training, but I took vacation and I’m just getting back and haven’t had the opportunity to review your claim with my manager.
Now its, your roof doesn’t need to be replaced, only about 54 shingles and ancillary pieces valuing $2500. Now I’m being told that I’m only going to get a check for $557.74 and the remaining once all work is complete.
I asked to have what would be covered mailed to me, instead I get a check for $557.74 with NO explanation of what a contractor is supposed to come out to do or what the total amount of the loss that they figured after they’ve taken a month to review the claim.
I DO NOT want Tashwa Johnson to call my phone every again. I left a message for her manager to call me on Tuesday, May 7, 2013, and have yet to receive a return phone call. I would like to speak with someone who can provide assistance, preferably someone above Tashwa Johnson’s manager.
I will not hire a contractor or cash this check until I have an explanation over the phone and in writing.
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Review
My wife (Kimberly Delibero Glennie) is selling her house which closes this week until the a/c condensing units were vandalized. Trying to communicate with our agent is less than impressive as even though we have a direct line we can never reach a person and calls are not returned.
We will be sure on our future properties to make sure we do not use this company. Very frustrating to say the least. [email protected]
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COMPLAIN to NY BBB and NY Commissioner of Insurance, otherwise just falling on deaf ears.
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Multiple phone numbers all no good.
Bought out by QBE and QBE cannot even get contact information or policy information.
DO NOT USE THIS COMPANY.
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Worst customer service ever. It’s almost impossible to get someone on the phone. I hope to never have to communicate with them ever again.
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This is the worst company.
I have tried many times to call my insurance handler to receive information about my claim for several days with no luck or response. The other employees are very rude.
Trouble service.
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As far as I could tell, through my agent, this company did everything it could to not pay my claim. This claim should have been a slam dunk.
My interests were not protected and it seems the agent misled me and manipulated the situation so they wouldn’t have to pay.
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Review
Wow, I was looking into this company, but after the overwhelming amount of negative reviews, I will pass. I earnestly hope those that have issues with claims have contacted the BBB so that this is on record for those consumers that do not visit this website.
People need to be told to save them the frustration I have seen here. There are ALWAYS negative reviews on companies, but when the negative out number the positive by about 20-1 that is something to stay away from!
Review
They get no stars!!!!! Horrible insurance company.
They collect your payments on time, but if you ever need them, they are nowhere to be found!! Unreturned phone calls and claim adjusters with horrible attitudes. One, in particular, Cody Courtney, very condescending.
I will be changing insurance companies as soon as possible.
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Review
I’ve been trying to find a real phone number for Praetorian homeowners insurance for two hours now just to get a CLUE report because I’m trying to sell a home that’s insured by Praetorian. Why is there no real, operational customer service number?
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My husband and I are buying a new home and we’ll be closing at the end of May 2016. This company we suggested by Coventry sales rep and we were considering it.
I ALWAYS have to do my research and google is my best friend, but after reading all this negative review, we will stick to what we know is the BEST USAA….Thank you, but noooo thanks!!!
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I am about to close on a new home and the builder gave my name to a local agency that represents Praetorian. The quote looks good but after reading the reviews from the policy holders with their claim experiences I can only say NO WAY IN H***.
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Had roof damage from Hurricane Mathew. I filed a claim and never heard from anyone after that. Called back at 888-467-2261 and was told the owner was busted for alleged pedophilia.
The guy Mike Ford said he was just taking calls from disgruntled customers and the guy ran off with our money.
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Minus 10! Total ripoff and should be illegal! They charged me 300 a month for years when it would have been 35/mo. thru Allstate or other companies. They charged this as part of my mortgage along with the wind insurance since I live in MS south of I-10. They owe me about 25k back from the last 8 years!!! Wish I could sue and may!