Old Dominion Auto Insurance Review (2024)

Old Dominion provides car 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.

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Old Dominion Reviews: The Bottom Line

Old Dominion Insurance Company 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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What You Should Know About Old Dominion

Old Dominion Auto Insurance Reviews and Ratings

Credit rating agencies review and rate insurance companies on their financial strength. These Old Dominion Insurance Company reviews 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 have reviewed only the Old Dominion Insurance parent company. However, looking at Main Street America Insurance ratings will help you determine if you’ll receive a payout when you file a claim.

The Main Street America Insurance Group’s rating by A.M. Best and S&P is an A and an A1 by Moody’s. These ratings indicate that customers will receive Old Dominion insurance auto claims payout.

The Better Business Bureau (BBB) regularly rates companies on business practices. The BBB rating of Main Street America Insurance is an A+ by the BBB.

The Main Street America Insurance BBB rating indicates that the company is trustworthy and transparent with customers.

Old Dominion Insurance 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.

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How to File Old Dominion Insurance Claims

Customers can make Old Dominion claims online or by phone. The best option for filling Old Dominion Insurance Company claims depends on your preferred method of communication. Those preferring to file online can fill out an Old Dominion claim form online 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.

Old Dominion Insurance Payment

Customers that buy an Old Dominion insurance policy can pay Old Dominion insurance premiums 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 Old Dominion bill comes due. An Old Dominion Insurance login provides the ability to pay Old Dominion online on the company website.

Those preferring to pay by phone can reach the automated Old Dominion auto insurance phone number by calling 866-335-0509. The Old Dominion payment methods 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.

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. Old Dominion’s headquarters are in Jacksonville, Florida.

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Old Dominion Insurance Coverage Options

Old Dominion Insurance Coverage

Insurance companies price coverages individually, allowing drivers to customize their Old Dominion 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 liability	Pays for medical bills if someone else suffers an injury in an accident caused by you.
Collision	Covers damage to your car after an accident.
Comprehensive	Covers damage to your car when you’re not driving.
Medical expenses	Covers medical costs caused by an accident regardless of who is at fault.
Property damage liability	Liability coverage that covers the cost of any property damage you’ve caused in an accident.
Uninsured/underinsured motorist	Covers the costs if you’re in an accident caused by a driver with little or no car insurance.

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.

Old Dominion Insurance Rates Breakdown

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Old Dominion Insurance 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

Company	Average Annual Minimum Coverage Auto Insurance Rates
AAA	$672
Allstate	$705
American Family	$542
Farmers	$587
Geico	$416
Nationwide	$566
Old Dominion	$557
Progressive	$769
State Farm	$681
Travelers	$752
USAA	$539

As you can see, while the average Old Dominion Insurance quote isn’t the lowest, the company is competitive.

Old Dominion Discounts Available

Discounts 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 Discount	Discount Eligibility
New customer	Become a new customer of Old Dominion.
Clean driving	Maintain a clean driving record.
New vehicle	Purchase a new vehicle and insure with Old Dominion.
Multi-vehicle	Insure more than one vehicle with Old Dominion.
Paid in full	Pay the entirety of your policy in one payment.
Anti-theft	Car has factory-installed anti-theft features.
Good student	High school or college student that maintains a 3.0 grade point average.

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.

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