Patriot General Auto Insurance Review (2020)

Patriot General Auto Insurance (review below) is available in 22 states. Patriot General is a subsidiary of the Sentry Insurance Group, a privately-held mutual insurance company that received an A+ rating from A.M. Best.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 (BBB A+). 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 and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Company Details
Address: 1800 North Point Drive
City: Stevens Point
State: WI
ZIP Code: 54481-1253
Phone Number: +1-715-346-6000
Year Founded: 1904
AM Best Rating: A+
Company Rating 0 (0 reviews)

Patriot General is an auto insurance company under the parent company, Sentry Insurance Group, a privately-held mutual insurance company that received an A+ rating from A.M. Best.. Patriot General auto insurance is available for private individuals and families. Patriot General Auto Insurance is available in 22 states.

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Table of Contents

Patriot General Auto Insurance Rates

You’re one step closer to getting a new car, but you need auto insurance you can afford. Car insurance quotes are cheapest after the factors that determine auto insurance is resolved. It’s a long road when shopping for cheap auto insurance rates, but this section can point you in the direction you want to go.

Patriot General is a small company that’s in competition with much larger auto insurance providers in Wisconsin.

What if you’re outside Wisconsin, and you’re still interested in Patriot General auto insurance?

The sub-section below will explain where you can get Patriot General auto insurance and how car insurance comparison saves money.

What is Patriot General auto insurance’s availability by state?

Patriot General does business in 22 states. The parent company, Sentry Insurance Group, is licensed to do business in all 50 states. Since the parent company can do business anywhere in the U.S., it would make sense to show you the cost of auto insurance for all states in the U.S.

In most of our guides, reviews, and other articles, we like to present general auto insurance rates. These rates may or may not be what you pay for auto insurance due to the factors that determine auto insurance and discounts you may be eligible for.

The auto insurance rates below are based on the average cost of auto insurance in each state. Let’s look at how much auto insurance rates are per state.

Average Annual Auto Insurance Rates by State
StatesAverage Annual Auto Insurance Rates
West Virginia$2,595
New Hampshire$3,152
North Carolina$3,393
New Mexico$3,464
South Carolina$3,781
South Dakota$3,982
North Dakota$4,166
New York$4,290
District of Columbia$4,439
Rhode Island$5,003
New Jersey$5,515
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These rates are a compound of all auto insurance rates in the state. The researchers add up all the average annual rates of companies in the state, then divide the sum by the number of insurance companies that provide auto insurance.

The answer or solution to that is the average, which is the cost that represents the state’s average annual rate in the data table.

Use the search feature at the top right to find your state, and see how much you could pay for auto insurance for the year.

What if Patriot General only carries six-month policies? You can estimate the cost of a six-month policy by dividing the average cost of auto insurance by two. Let’s look at another table that will show the average cost of auto insurance for a six-month policy.

Average Six-Month Auto Insurance Rates by State
StatesAverage Six-Month Rates
West Virginia$433
New Hampshire$525
North Carolina$566
New Mexico$577
South Carolina$630
South Dakota$664
North Dakota$694
New York$715
District of Columbia$740
Rhode Island$834
New Jersey$919

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Six-month policies are common in the auto insurance business. It’s useful to ask your auto insurance provider if you can extend it to a 12-month policy. If you can’t, you may have to renew your policy as you get close to the six-month mark.

You’ve seen the average cost of auto insurance, but how does it affect your income? Do you ever think about how much auto insurance affects your income every year?

Sometimes we don’t think about the amount of money we spend on auto insurance, so let’s use this opportunity how the average cost of auto insurance per year affects your annual income.

Average Annual Auto Insurance Rates as a Percent of Income by State
StatesAverage Annual RatesAverage Annual IncomeInsurance as a Percentage of Income
West Virginia$2,595$63,3434.10%
New Hampshire$3,152$63,3094.98%
North Carolina$3,393$65,7665.16%
New Mexico$3,464$72,7714.76%
South Carolina$3,781$62,6326.04%
South Dakota$3,982$63,4486.28%
North Dakota$4,166$66,3146.28%
New York$4,290$66,3146.47%
Rhode Island$5,003$65,5127.64%
New Jersey$5,515$58,6279.41%

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This data shows auto insurance as a percent of income. Based on the average annual income, auto insurance rates don’t affect the average income that much.

For those who earn less than average, however, the auto insurance as a percent of income can take more from your annual salary.

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Patriot General Auto Insurance Coverages Offered

Patriot insurance services include customized property and casualty solutions, including auto insurance liability to transportation companies like taxi companies.

The company offers a variety of auto insurance solutions for small to medium-sized commercial customers.

Motorized carrier insurance coverage and safety solutions for independent cargo haulers and motor carriers are also offered. In addition, Patriot General offers industrial hygiene coverage to help protect clients’ work environments.

What about the basic auto insurance coverage?

There are several types of coverage that customers need when they get auto insurance. The minimum requirement for auto insurance in the U.S. is liability auto insurance coverage.

Watch this video on information about liability coverage.

Bodily injury and property damage are part of liability coverage. These factors of liability coverage protect your finances from expensive costs you would have if you didn’t have auto insurance.

Additional liabilities such as personal injury protection (PIP), medical payments (Med Pay), and uninsured/underinsured motorist coverage (UIM/UM) may be required in your state.

Here’s another video that describes the difference between PIP and Med Pay.

Uninsured/underinsured motorist coverage is a safety net in case a liable driver doesn’t have auto insurance or doesn’t have enough on their coverage limits to pay for your bodily injuries and property damages. UIM/UM may cost extra for you if your state doesn’t require it.

What are Patriot General’s bundling options?

Bundling options become available when an insurance company offers other insurance services along with auto insurance. If you rent an apartment or house, the insurance provider will ask if you want to enroll in renter’s insurance.

When you bundle your auto insurance with another insurance service, you can save money on your auto insurance. But does bundling your auto insurance save you money?

Let’s watch a video that shows the pros and cons of bundling auto insurance with other insurance services.

It’s clear that you can lower auto insurance rates if you bundle your auto insurance with renter’s insurance or home insurance. If you want to bundle your auto insurance under Patriot General, be sure to talk about your bundling options with a Patriot General insurance agent.

What auto insurance discounts are offered by Patriot General?

Patriot General and Sentry Insurance Group do not talk about the discounts they offer their customers. Although the discounts aren’t present online, it doesn’t mean you can’t get a discount from them.

Bundling auto insurance with other insurance can count as a discount toward your auto insurance policy. Or you can receive a discount for the following reasons:

  • Good Credit
  • Clean Driving Record
  • Safety features on your vehicle
  • Anti-theft system on your vehicle
  • Good student discount (GPA 3.0 and above)
  • Multi-policy discount
  • Multiple vehicles discount

The list is general auto insurance discounts you can find with any auto insurance company. More discounts could be available for you at Patriot General. You won’t know until you get your quote.

What programs are available from Patriot General?

Patriot General doesn’t have an exclusive program, but Sentry Insurance Group does. Sentry has a program called the Workers’ Compensation Claims Analytics Program. The program is designed to resolve worker compensation claims and maintain clear communication between customers.

Another program at the Sentry Insurance Group is the Information Technology (IT) Co-op program for the University of Wisconsin-Stevens Point location.

Here’s a video that talks more about the Sentry Co-op program with UW-Stevens Point.

University students within walking distance of campus can take advantage of the cutting-edge program, which provides opportunities for UW-Stevens Point students to get career experience while pursuing their IT degree.

Canceling Your Patriot General Insurance Policy

There are many different reasons why you could want or need to cancel your auto insurance. If you have recently been in a total loss accident where you were liable for the accident, you will have to cancel your policy. Or maybe you’ve prepaid for your auto insurance policy and found another auto insurance provider that can give a better deal.

Either way, you’ll need all the information you can get on how to cancel your policy. This section will talk about all the obstacles that come with canceling an auto insurance policy and how to cancel your Patriot General auto insurance policy.

Does Patriot General have an auto insurance cancellation fee?

Auto insurance cancellation fees can cost between $25 to a small portion of the auto insurance rate that you pay. It depends on the terms and conditions you agreed to when you first started your Patriot General auto insurance policy.

If I cancel my Patriot General auto insurance, will I get a refund?

Usually, customers who prepay for an auto insurance policy after a quote is given to them are able to receive a refund when they want to cancel. You may not receive a refund if you used some of the auto insurance company’s auto insurance services.

For example, paying an auto insurance policy in full and using the insurance for three months. An auto insurance provider, like Patriot General, may give you a refund equal to nine months of monthly payments because three months of auto insurance have been used.

How do you cancel a Patriot General auto insurance policy?

Before we get into the details of how to cancel, watch this video that covers tips on how you can cancel your auto insurance policy.

In addition to calling Patriot General to cancel your auto insurance policy, write and send a letter stating that you want to cancel your auto insurance policy on a specific date. A written record is like the stamp of approval that says you want to cancel.

Can you cancel your Patriot General auto insurance policy at any time?

Most auto insurance companies will allow you to cancel without incident if you alert the company that you want to cancel. If you can help it, try giving Patriot General a 15 to 30-day notice when you want to cancel your auto insurance policy.

If you just signed a policy that hasn’t activated and you want to cancel, you may be able to do that without a letter.

It’s your right to cancel your auto insurance policy at any time, but ask questions before you make your final decision.

How to Make a Patriot General Auto Insurance Claim

The best way to file an auto insurance claim with Patriot is to contact an agent. You can contact a Patriot General auto insurance agent at 715-346-6000. If you can’t get in touch with the Patriot General agent, you contact Sentry Insurance Company at 1-800-473-6879.

If you have a Sentry account, you can log on to your account online and file Patriot General claims.

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How to Get a Patriot General Auto Insurance Quote Online

Patriot General doesn’t have an exclusive website. Sentry Insurance Group does have a website, but it doesn’t have a place where you can get an auto insurance quote from Patriot General.

You can still contact a Sentry Insurance Group agent on how you can connect to a Patriot General auto insurance agent for a quote. Call 1-800-473-6879 to ask for a quote from an agent. 

There are some other companies that have similar names, so a Patriot insurance agency may be selling policies from a different company. Check to make sure you are calling the correct Patriot insurance phone number found above.

Try comparing cheap car insurance quotes by entering your ZIP code in the free quote box below!

Patriot General: Auto Insurance Ratings

It’s uncommon for small auto insurance companies to be listed in every financial and credit rating agency. Patriot General happens to be rated by A.M. Best. Under A.M. Best standards, Patriot General was rated as “A+”. The “A+” in A.M. Best means the company has met the obligations to their customers.

Patriot General: Auto Insurance History

Sentry Insurance Group was originally founded in 1904 in Wisconsin. The company was first named Hardware Mutual. The company’s first members belonged to the Wisconsin Retail Hardware Association.

Sentry Insurance Group has grown by acquiring smaller insurance companies, such as the ALF Insurance Agency. ALF operates as an independent brokerage and insurance agency in 15 Michigan office locations. The company has also organized various business subsidiaries throughout its history.

Today, in addition to Patriot General Insurance Company, Sentry Insurance Company owns many other insurance companies.

Sentry Equity Services, Inc. distributes mutual fund products and services and owns the Sentry Fund.

Sentry Insurance Group is the preferred insurance provider of The Farm Equipment Manufacturers Association. Sentry also receives the nod of approval from the Power Transmission Distributors Association, Business Technology Association, and the Industrial Supply Association.

Though the company’s corporate logo of Captain John Parker and the Minuteman Statue harkens back to the Revolutionary War, the company’s Midwest roots have served customers throughout the region.

How is Patriot General’s online presence?

Unfortunately, Patriot General doesn’t have a website. Their online presence is limited to a few pages around the internet, some internet articles, and a few ratings on job boards. Its parent company, Sentry Insurance Group, has made a lot of strides online.

If Patriot General is in your local area, you may be able to locate a car insurance quote and compare it using our FREE comparison tool!

Does Patriot General have auto insurance commercials?

Patriot General does not have any commercials available online. Sentry Insurance Group has a collection of videos on their Youtube channel. Some of those videos are commercials for TV spots. Here’s one of their videos.

The video advertises small and mid-size business insurance, which is one of the services Patriot General and Sentry Insurance Group offers.

Is Patriot General involved in the community?

Many auto insurance companies are involved in the community. Even though there’s no information on whether Patriot General is involved in the community, it’s likely they’ve been involved in donating to nonprofit organizations.

Sentry Insurance Group has made it known that they are involved in the community. Here’s another video from their Youtube channel.

Sentry goes the extra mile with an in-depth outreach toward the community by hosting events, donations, and volunteering.

What do former employees have to say about Patriot General?

There aren’t any reviews on Patriot Insurance careers, but Sentry Insurance Group has plenty of employee reviews. Glassdoor reported that 89 percent of former Sentry Insurance Group employees recommended the company to a friend.

Also, most employees (98 percent) of Sentry Insurance Group approve of CEO Pete G. McPartland. Sentry Insurance has 1,001 to 5,000 employees.

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Design of Patriot General Auto Insurance Website

The Sentry Insurance Group website is the only connection Patriot General has to web traffic. Of course, there are a few Patriot insurance reviews online.

If you resize your window at a desktop or laptop computer, you’ll see the website fit the size of the window. When a website fits the size of the browser or screen, it means the website is responsive. In other words, the website will fit the display of any device such as a computer screen, smartphone, or tablet.

To access accounts, you will need a Patriot insurance login, which is different from the Patriot insurance agent login.

Patriot General Auto Insurance: The Bottom Line

Patriot General appears to be Sentry Insurance Group’s auto insurance sector. There’s not a lot of information on the Patriot General or the auto insurance it provides for customers in 22 states. Potential customers have to use Sentry’s website to try to locate an agent to get a quote or to file a claim.

Compare car insurance online by entering your ZIP code in the free comparison tool and start comparing auto insurance in your local area!

Frequently Asked Questions: Patriot General Auto Insurance

To wrap up our insurance comparison review of Patriot General, we’ll answer a few questions that are commonly asked on search engines across the web. These questions were fit for Patriot General and give more insight into a few items we missed in the guide.

For more information, click the logo on the top left of this webpage to learn more about auto insurance. Our website is a flexible, unbiased car insurance finder that guides you to the solid insurance choice.

#1 – Is Patriot General auto insurance any good?

The quality of an auto insurance company is up to the customer. Our guides and reviews are unbiased. So we leave all judgments for the customer.

#2 – Does the Patriot General offer full coverage auto insurance?

Any auto insurance provider with basic auto insurance coverage and additional liabilities will often have a policy with full coverage options. In other words, a company that allows a customer to enroll in liability, collision, and comprehensive coverage offers full coverage.

Patriot General doesn’t have any available information on whether they offer full coverage, but they are competing with other auto insurance companies in Wisconsin. It’s likely that they do have it.

#3 – Why is Patriot General insurance so expensive?

The price of auto insurance will depend on several factors such as driving record, credit history, age, gender, marital, occupation, vehicle model year, and commute mileage. Some of these factors can get you a discount, but some can increase your rates.

#4 – What does Patriot General insurance cover?

In addition to personal auto insurance, Patriot General and its parent company, Sentry Insurance, offers homeowners, property and casualty, annuities, and life insurance policies.

Sentry Insurance Group insures private individuals and families as well as commercial customers in manufacturing, retailing, and transportation.

#5 – What are some competitors to Patriot General?

One of the biggest competitors for Patriot General include Frankenmuth Insurance. It’s important to note that some other companies with similar names may not be actual competitors, such as Patriot Insurance in PA, which is a different company and has different patriot underwriters loss runs.

#6 – Will The General insurance provide a FR-44 form?

The General Insurance provides a FR-44 form to customers when they purchase FR-44 auto insurance. The FR-44 form is used in Virginia and Florida solely for DUI/DWI convictions. Patriot Insurance in Florida may provide FR-44s as well.

#7 – Does The General offer health insurance?

No. The General does not offer health insurance.

#8 – How does The General Insurance anonymous quote feature work?

The General Insurance’s anonymous quote feature allows you to get a quote online without giving any personal information to the company, such as your name, phone number, street address, or e-mail address.

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