Sagamore Insurance Company, rated A+ (Superior) by A.M. Best, is committed to partnering with independent agents. We strive to provide our insureds and agents an unsurpassed level of service. Our parent company, Baldwin & Lyons, has been a leader in transportation insurance since 1930.

Product Overview

Sagamore’s Personal Auto program offers competitive rates for drivers who do not require a package policy.

We offer insureds multiple premium-reducing discounts. Insureds are billed directly each month and can pay their invoices online, by phone or in an agent’s office. We accept EFT, Visa, MasterCard, Discover, cash or check. Sagamore’s 24-hour claims service prevents complaints and questions while saving our agents time.

It is easy for agents to write with Sagamore. We offer online rating and binding, including e-signatures* and MVR and CLUE reports up front with no charge backs.* Agents also have the ability to exclude drivers.* Rewrites are available for up to 30 days after cancellation and agents can submit endorsements online. There are no volume requirements and we offer competitive commission rates.

To help drive customers to our agents, we created a consumer website that allows prospective insureds to connect with agents in their area, based on zip code. When a consumer selects an agency, Sagamore forwards the consumer's information to the agent so they can begin preparing a quote. Agents can also use the site as a marketing piece for clients looking for more information about Sagamore.

Where We Write

Available in the following states: AL, AR, AZ, CO, CT, GA, IA, ID, IL, IN, KS, KY, MN, MO, MS, MT, ND, NE, NV, OH, OK, OR, SC, SD, TN, TX, UT, WA, WI


  • BI and UM/UIM limits up to 50/100* (restrictions may apply)
  • PD limits up to 50*
  • Multiple comp and collision deductible options
  • Med pay, rental, towing, and special equipment

*Available in most states.