Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 9, 2022

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Just the Basics

  • The Old American Group was founded over 70 years ago
  • High-risk drivers can acquire insurance through the Old American Group
  • You can shop online for free insurance quotes

Is it bad to change car insurance companies? If you think that your rates are too high and you need better coverage, absolutely not. Luckily, you can utilize free resources like this Old American Group review to speed up your search for the perfect insurance company in the internet age.

Keep reading to learn more about the Old American Group, the coverage it offers drivers, and how you can find affordable insurance.

Who is the Old American Group?

Founded in 1946, the Old American Group advertises itself as a nonstandard insurance expert, which indicates that it specializes in writing policies for high-risk drivers. This insurance group is comprised of Old American County Mutual and Old American Indemnity Company.

The Old American Group only provides coverage in these states:

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

If you live outside of Old American’s purview, you can shop online to find an insurance company near you.

Tech-savvy motorists may be disappointed with the lack of online tools offered to Old American drivers. For example, there isn’t an Old American Insurance login for drivers to make payments or request new copies of their insurance cards.
Now, if you were to conduct an internet search for “Old American Insurance Company rip-off,” you would find some interesting results.

There are no Old American Indemnity Company reviews on Yelp. However, there are over 20 disparaging Old American County Mutual reviews, mainly from drivers with other insurance companies. The reviews typically describe a scenario in which Old American has refused to pay out for damages caused by covered drivers.

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What coverages does the Old American Group provide?

If you want to quickly discover if road debris is covered by car insurance from Old American, you’re out of luck. You will not be able to determine what kinds of coverages are available from the Old American website. Typically, car insurance companies offer coverages like these:

Car Insurance Coverage Options
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 to learn more about what coverages this company provides, you can call the Old American car insurance phone number at 866-233-7091 or send an email to [email protected]

Are Old American Group prices affordable?

Old American doesn’t provide an online quote tool or sample rates on its website. You don’t need to let that deter you from planning your budget, though. Below, you can find the average rates in your home state for different coverage levels:

Average Monthly Rates for Various Coverage Types by State
StatesAverage Monthly Liability RatesAverage Monthly Collision RatesAverage Monthly Comprehensive RatesAverage Monthly Full Coverage Rates
Alabama$39$30$14$83
Alaska$47$31$12$91
Arizona$50$26$17$92
Arkansas$37$30$18$85
California$47$38$8$93
Colorado$52$26$20$98
Connecticut$62$33$11$106
Delaware$71$28$11$110
District of Columbia$61$42$19$122
Florida$79$28$11$118
Georgia$60$32$14$106
Hawaii$39$28$9$76
Idaho$33$21$11$65
Illinois$41$28$11$80
Indiana$35$23$11$69
Iowa$28$20$17$65
Kansas$33$23$22$78
Kentucky$48$25$13$86
Louisiana$77$38$20$135
Maine$31$24$9$63
Maryland$58$33$13$104
Massachusetts$53$35$12$100
Michigan$74$38$13$126
Minnesota$40$21$17$78
Mississippi$42$30$19$91
Missouri$40$25$17$82
Montana$35$23$22$80
Nebraska$34$22$21$76
Nevada$68$28$10$106
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
Ohio$36$24$11$71
Oklahoma$41$28$21$90
Oregon$55$22$8$85
Pennsylvania$44$30$13$88
Rhode Island$71$38$11$121
South Carolina$53$25$16$94
South Dakota$27$19$25$72
Tennessee$38$28$13$79
Texas$51$35$20$106
Utah$47$24$10$81
Vermont$31$27$12$69
Virginia$39$25$12$76
Washington$55$25$9$89
West Virginia$43$29$18$89
Wisconsin$34$20$13$67
Wyoming$29$24$24$78
Countrywide$50$30$13$94
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You can also shop online to find cheap full coverage car insurance. Shopping online is an efficient way to discover great coverage at low rates because you can compare multiple quotes at once.

What You Need to Know About the Old American Group

The Old American Group doesn’t provide insurance coverage throughout the United States but offers coverage to high-risk drivers. This insurance group’s rates and specific coverages aren’t disclosed on the Old American Group website. The reviews shared about this company also indicate that the quality of customer service is subpar.

You can, however, shop online to find insurance companies that offer more amenities for drivers and great discounts that can lower your rates.