Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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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

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Mar 16, 2022

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The Short of It

  • Old American Indemnity Company only sells car insurance
  • Old American has policies for high-risk drivers
  • You can shop for car insurance online

Drivers looking to protect their vehicle with car insurance may have difficulty finding coverage. With over 2,000 insurance companies in the United States, finding the perfect one for you might seem like searching for a needle in a haystack.

Thankfully, resources like this Old American Indemnity Company auto insurance review can help you cut through the noise and find a company that suits your needs.

What is the Old American Indemnity Company?

Founded in 1946, the Old American Group owns both the Old American Indemnity Company and Old American County Mutual. This insurance group provides insurance policies for high-risk drivers. If you need car insurance, you can purchase coverage from Old American if you call one of these states home:

  • Alabama
  • Arizona
  • Indiana
  • Kentucky
  • Louisiana
  • Missouri
  • North Carolina
  • North Dakota
  • South Carolina
  • Tennessee
  • Texas
  • Utah

You can shop online to find a local insurance company if you live outside of these states. Tech-savvy consumers may be disappointed to learn that there isn’t an Old American login for drivers to request new copies of their insurance cards. Drivers also can’t make their Old American payments online.

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What coverages does the Old American Indemnity Company offer?

If you want to know what property coverages Old American Indemnity has to offer, you’ll be disappointed to learn that the only product available through this company is car insurance.

Despite this being the only product offered, Old American Indemnity’s website doesn’t share any details. Usually, you can expect to find coverages like these offered by most car insurance companies:

Coverage ConsiderationsDescription
LiabilityMost states require you set amount of liability coverage which protects other drivers in the case of an accident
ComprehensiveThis coverage and collision coverage are typically required by your lender or lease holder. If you own your vehicle outright, this is an optional coverage. It will pay for damage from non-accident related events such as hail, vandalism, and theft.
CollisionThis provides financial protection for your vehicle. It will pay for damages after a crash.
Personal Injury Protection (PIP)This coverage will pay for your own medical costs including lost wages.
Medical Payments (MedPay)Similar to PIP, MedPay covers injury costs but doesn't cover lost wages like PIP does.
Uninsured/Underinsured Motorist ProtectionInsurance companies are required to offer this coverage to you and it will pay for your own damages beyond what another's liability covers when they're responsible for an accident.
Guaranteed Auto Protection (GAP)You may owe more on your vehicle than it's worth because of how quickly cars depreciate. This coverage will pay the difference between the value and what you owe if your vehicle is totaled.
Personal Umbrella Policy (PUP)This option provides an "umbrella" of coverage over several types of insurance.
Rental ReimbursementIf your car is a total loss or needs repair, do you have another vehicle you can drive? If you'll need a rental, you should consider this option.
Emergency Roadside AssistanceYou can purchase this option from your insurer or a driving club.
Pay-As-You-Drive or Usage-Based InsuranceThis isn't a good choice for everyone, but if you drive few miles, it might be cheaper for you to purchase this kind of coverage.
Non-Owner Car InsuranceThis option is for people who do not own a car but borrow one occasionally.
Modified Car Insurance CoverageIf you've made modifications to your vehicle, your regular full coverage won't take those changes into consideration when paying for damages. Adding special coverage for those modifications will protect the value of them.
Windshield CoverageWindshield coverage will help you pay for the replacement of your broken glass (check state laws for specifics)
Mechanical Breakdown InsuranceThis coverage is similar to a manufacturer extended warranty and you should weight the benefits of both a warranty and breakdown insurance to see which is best for you.
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If you would like a quote from this company, you can call the Old American Indemnity Company phone number at 866-233-7091 or email [email protected]

How much does a policy with the Old American Indemnity Company cost?

Although Old American doesn’t offer sample rates for potential clients to examine, you can still estimate how much car insurance may cost you. Location plays a crucial role in the calculation of your rates, and you can see here what the average rates for various coverage levels are in your state:

StatesAverage Monthly Liability RatesAverage Monthly Collision RatesAverage Monthly Comprehensive RatesAverage Monthly Full Coverage Rates
District of Columbia$61$42$19$122
New Hampshire$35$27$10$72
New Jersey$77$34$11$121
New Mexico$46$25$16$87
New York$73$36$15$124
North Carolina$31$27$11$69
North Dakota$25$22$21$68
Rhode Island$71$38$11$121
South Carolina$53$25$16$94
South Dakota$27$19$25$72
West Virginia$43$29$18$89
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As you can see, Connecticut auto insurance rates and Wyoming rates are very different, but the location isn’t the only factor that influences your rates. Age, gender, and credit score can affect how much you pay for insurance.

Is it easy to file a claim with the Old American Indemnity Company?

When filing a claim with the Old American Indemnity Company, you’ll need to have your policy number accessible. If you’ve lost your policy documents or your insurance card, you can contact an Old American customer service agent by phone or email. If necessary, you can mail documents to P.O. Box 793747, Dallas, Texas 75379-3747.

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Is the Old American Indemnity Company highly rated?

While the Old American Indemnity Company has an A rating from the Better Business Bureau, if you were to conduct an online search for “Old American Insurance Company rip-off,” some interesting results would appear.

There are no Old American Indemnity Company reviews on Yelp, but over 20 negative Old American County Mutual reviews are on the site. The reviews — mostly from drivers who Old American County Mutual drivers have struck — describe Old American as unwilling to pay for damages resulting from the accidents.

Which insurance companies sell home and car insurance policies?

Many consumers like having their insurance products in one place. Unfortunately, since the Old American Indemnity Company only sells car insurance, you’ll have to look elsewhere if you need coverage for other items, like your home. You can purchase coverage for your car and home from major insurance companies like these:

  • Farmers
  • State Farm
  • Allstate
  • Progressive
  • Eerie
  • Nationwide

Bundling your home and auto policies is a great way to save money since most insurance companies offer a discount it. When shopping online, be sure to review discounts each prospective insurance company has to offer to ensure that you are getting the best deal possible.

What You Need to Know About the Old American Indemnity Company

The Old American Indemnity Company only sells car insurance for high-risk drivers. Still, if you need coverage for your home and car, you can shop for more robust insurance companies online. You can treat most major insurance companies like GEICO or State Farm as a one-stop shop for most of your insurance needs.

When shopping online for insurance, request quotes from at least five companies to compare quotes and ensure you’re getting the best rate.