Old Dominion Auto Insurance Review (2022)

Old Dominion provides auto insurance to customers in Florida and Georgia. Customers can find affordable Old Dominion auto insurance for the standard coverages. The company also offers additional options and discounts to lower your rates. Learning more about Old Dominion Insurance will help you determine if it’s right for you.

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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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Written by Rachel Bodine
Feature Writer Rachel Bodine

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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 29, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Company Details
Address: P.O. Box 2300
City: Keene
State: New Hampshire
ZIP Code: 03431
Phone Number: 800-611-0958
Year Founded: 1980
AM Best Rating: A
Company Rating 0 (0 reviews)

Things to Remember

  • Old Dominion provides coverage in Florida and Georgia
  • Old Dominion offers the standard coverages
  • Old Dominion is rated an A by A.M. Best

Old Dominion provides auto insurance quotes for drivers in Florida and Georgia. The company has competitive rates, provides the standard coverages, and customers can lower rates by combining discounts. Additionally, the company is rated an A by A.M. Best.

Knowing more about Old Dominion Insurance will help you decide if it’s a good option.

Before starting this Old Dominion Insurance review, enter your ZIP code to find free auto insurance rates in your area.

Does Old Dominion Insurance have competitive rates?

Car insurance companies consider multiple factors when determining rates. Some of the common factors include:

  • Age
  • Gender
  • Location
  • Driving record

Since companies use various factors to determine rates, every driver has a different price. As a result, it’s impossible to provide an accurate estimate without knowing specific information about the driver.

However, comparing the average rates of different companies provides a good idea of the most cost-effective options. The following chart shows how the annual average minimum and full coverage Old Dominion auto insurance rates with other companies.

Old Dominion Insurance Average Annual Full Coverage and Minimum Coverage Rates vs. Other Companies

CompanyAverage Annual Minimum Coverage Auto Insurance RatesAverage Annual Full Coverage Auto Insurance Rates
American Family$542$1,218
Old Dominion$557$1,413
State Farm$681$1,681
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As you can see, while the average Old Dominion Insurance quote isn’t the lowest, the company is competitive.

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What coverages are offered by Old Dominion Insurance?

Insurance companies price coverages individually, allowing drivers to customize their policy. However, most states require drivers to carry a certain amount of coverage, known as minimum coverage, usually consisting of liability.

Purchasing all of the standard types of insurance is called full coverage. Some lenders require drivers to carry full coverage until they pay off the car. Even after you pay off the vehicle, keeping full coverage ensures protection during any incident.

The following table shows the standard types of car insurance provided by Old Dominion.

Old Dominion Insurance Auto Coverages

Auto Insurance Types Purpose of Coverage
Bodily injury liabilityPays for medical bills if someone else suffers an injury in an accident caused by you.
CollisionCovers damage to your car after an accident.
ComprehensiveCovers damage to your car when you’re not driving.
Medical expensesCovers medical costs caused by an accident regardless of who is at fault.
Property damage liabilityLiability coverage that covers the cost of any property damage you’ve caused in an accident.
Uninsured/underinsured motoristCovers the costs if you’re in an accident caused by a driver with little or no car insurance.
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In addition to the standard coverages, Old Dominion offers options that customers can add to a policy. The following are some of the popular choices to add to a policy.

  • New vehicle replacement: Pays for replacing your vehicle when it’s totaled.
  • Accident forgiveness: Rates remain the same after your first at-fault accident.
  • Full safety glass: Fix your damaged window or windshield without a deductible.

Adding optional coverages increases Old Dominion auto insurance quotes.

What discounts are available from Old Dominion Insurance?

While Old Dominion has affordable rates, high-risk drivers will still experience higher rates. Fortunately, companies provide various auto insurance discounts that customers can combine to lower rates. The following table shows some of the most common Old Dominion auto insurance company discounts.

Old Dominion Insurance Auto Discounts

Auto DiscountDiscount Eligibility
New customer Become a new customer of Old Dominion.
Clean drivingMaintain a clean driving record.
New vehiclePurchase a new vehicle and insure with Old Dominion.
Multi-vehicleInsure more than one vehicle with Old Dominion.
Paid in fullPay the entirety of your policy in one payment.
Anti-theftCar has factory-installed anti-theft features.
Good studentHigh school or college student that maintains a 3.0 grade point average.
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While this table shows the most popular deals, other saving opportunities might be available. Asking a representative about all discounts will help you obtain the lowest possible rates.

How is Old Dominion Insurance rated?

Credit rating agencies review and rate insurance companies on their financial strength. The ratings indicate if the company is likely to provide a payout when customers file a claim.

Old Dominion is a part of the Main Street America Insurance Group. As a result, rating agencies haven’t reviewed Old Dominion. However, looking at Main Street America’s ratings will help you determine if you’ll receive a payout when you file a claim.

The Main Street America Insurance Group has been rated an A by A.M. Best and S&P and an A1 by Moody’s. These ratings indicate that customers will receive a payout from Old Dominion.

The Better Business Bureau (BBB) regularly rates companies on business practices. Main Street America has been rated an A+ by the BBB, indicating that the company is trustworthy and transparent with customers.

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Does Old Dominion Insurance have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow insurance customers to list complaints. The organizations then review the complaints made about insurance companies.

The organizations haven’t completed Old Dominion Insurance reviews. However, both organizations have reviewed the Main Street America Insurance Group.

At the time of this review, the BBB has received eight complaints about Main Street America during the past three years. All eight complaints have been about the company’s products and services.

The NAIC has received three complaints about Main Street America. However, according to the organization, Main Street America has a complaint index ratio of 0.72, indicating fewer complaints than a similarly-sized company.

How can you file Old Dominion Insurance claims?

Customers can make Old Dominion Insurance auto claims online or by phone. The best option depends on your preferred method of communication. Those preferring to file online can fill out an online form on the company website.

If you prefer to speak with a representative, you can reach the Old Dominion Insurance Company claims phone number by calling 877-425-2467. The representative will go through each section of the claims form and ensure the company has all the necessary information.

How can you pay for Old Dominion Insurance?

Customers that buy Old Dominion auto insurance can make payments in multiple ways, including:

  • Automatic electronic funds transfer (EFT)
  • Online
  • Phone
  • Mail

The easiest method is EFT, as the funds are automatically transferred directly from your bank. However, you can also pay as your bill comes due. An Old Dominion Insurance login provides the ability to make online payments on the company website.

Those preferring to pay by phone can reach the automated Old Dominion Insurance phone number by calling 866-335-0509. The methods of payment for policyholders that pay online or by phone include:

  • Debit card
  • Credit card
  • Checking account
  • Savings account

You can also choose to pay your bill through the mail. Each billing statement includes a tearable payment stub that you can submit with a check and the enclosed envelope. However, this method takes longer for payments to be processed.

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What is the history of Old Dominion Insurance?

The Old Dominion Insurance Company began in 1981. The Mutual Assurance Company bought Old Dominion in 1992, holding it until 1996 when its parent company merged with the Main Street America Financial Corporation.

Today, Old Dominion remains a subsidiary of Main Street America, providing affordable auto insurance to customers in Florida and Georgia. The company’s headquarters are in Jacksonville, Florida.

Old Dominion Insurance: The Bottom Line

Old Dominion provides affordable car insurance to customers in Florida and Georgia. The subsidiary of Main Street America Insurance provides the standard coverages, and customers can lower rates by combining multiple discounts.

Learning more about Old Dominion Insurance will help you decide if the company is a good option for you.

Now that you know about Old Dominion Insurance, enter your ZIP code to get free auto insurance quotes in your area.

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