Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Mar 5, 2022

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Key Takeaways

  • Old Dominion is a subsidiary of Main Street America Insurance
  • Old Dominion offers multiple discount opportunities
  • Old Dominion has been rated A by A.M. Best

The Old Dominion Insurance Company provides car insurance quotes to customers that reside in Florida and Georgia. The company provides competitive rates, offers multiple discounts to lower costs, and has strong financial ratings with few complaints.

Now, let’s take a closer look at Old Dominion Insurance.

Does Old Dominion Insurance have competitive rates?

Drivers require car insurance to drive, and the cost is a common concern. Companies use various factors to determine rates for drivers, and high-risk customers experience the most expensive prices.

Most states require a minimum amount of auto insurance to drive legally. However, many lenders necessitate that drivers carry full coverage until they pay off their loans. As you might expect, a minimum coverage plan is the most affordable option, and full coverage is more expensive.

Since every driver is different, it’s impossible to accurately estimate the cost of coverage. However, examining the average rates of companies will help you determine the most cost-effective option.

The following chart compares the average annual Old Dominion Insurance rates against other companies for minimum and full coverage policies.

Old Dominion Insurance Average Annual Full Coverage and Minimum Coverage Rates vs. Other Companies
CompanyAverage Annual Minimum Coverage RatesAverage Annual Full Coverage Rates
AAA$672$1,948
Allstate$705$1,896
American Family$542$1,218
Farmers$587$1,540
GEICO$416$1,260
Nationwide$566$1,533
Old Dominion$557$1,413
Progressive$769$1,910
State Farm$681$1,681
Travelers$752$1,769
USAA$539$1,484
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As you can see, Old Dominion has lower rates for minimum and full coverage policies than many of the top insurance companies.

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What coverages are offered by Old Dominion Insurance?

Car insurance companies sell each coverage separately, allowing customers to personalize their plans. As a result, companies offer different types of protection. While some companies have an expansive list, others merely provide basic options.

Many low-cost auto insurance companies limit the amount of coverage they provide. The lack of alternatives allows them to offer insurance at a lower price without losing money. However, Old Dominion delivers most of the standard coverages.

The following table displays the standard coverages offered by Old Dominion as well as a description of each one.

Old Dominion Insurance Coverages
Car Insurance TypesCoverage Description
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 liabilityCovers 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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Most drivers are satisfied with these standard coverages. However, Old Dominion also offers additional options for drivers that desire more protection. Some of the other plans provided by Old Dominion include:

  • New vehicle replacement. This alternative pays for replacing your vehicle when it’s totaled.
  • Accident forgiveness. With this option, rates remain the same after your first at-fault accident.
  • Full safety glass. This coverage allows you to repair your damaged window or windshield without a deductible.

Similar to the standard coverages, Old Dominion sells these additional options individually. As a result, adding any of them to your policy will increase your rates.

Does Old Dominion Insurance offer discounts?

Car insurance can become expensive if you add several coverages or are a high-risk driver. Fortunately, most insurance companies provide discounts that will lower your rates. These deals depend on several aspects of a driver’s life, including:

  • Driving record
  • Vehicle type
  • Payment habits
  • Education

Old Dominion offers multiple discounts for drivers to reduce their rates even further. The following table discloses some of the savings opportunities provided by Old Dominion Insurance Company.

Old Dominion Insurance Auto Discounts
Auto Discount Discount Eligibility
Anti-theftInsure a vehicle with factory-installed anti-theft features.
Clean drivingRemain accident and violation-free.
Good studentHigh school or college student that maintains a 3.0-grade point average.
Multi-vehicleInsure more than one vehicle with Old Dominion.
New customer Become a new customer of Old Dominion.
New vehicleInsure a new car with Old Dominion.
Pay in fullPay the entirety of your policy in one payment.
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Customers can combine multiple discounts to obtain the best possible rates. Additionally, asking a representative about all discount opportunities will ensure that you receive the most savings.

How is Old Dominion Insurance rated?

Credit rating agencies regularly review insurance companies and rate them based on their financial strength. Customers can use these ratings to determine the likelihood of receiving a payout when filing a claim.

The rating agencies haven’t provided ratings for Old Dominion. However, the company is a Main Street America Insurance Group subsidiary. Therefore, examining the Main Street America ratings will help customers determine if they’ll receive a payout from Old Dominion policies.

Main Street America has been rated A by A.M. Best and S&P Global Ratings. In addition, they have received an A1 rating from Moody’s Corporation. These ratings are solid and indicate that the company will provide a payout in most situations.

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Does Old Dominion Insurance have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) review complaints made about insurance companies. Both organizations have completed Old Dominion Insurance Company reviews.

While the BBB has an Old Dominion page and has rated the company A+, there are no complaints on the BBB website. However, the BBB has received nine complaints about Main Street America over the past three years.

Additionally, seven Main Street America customers have reviewed the company on the BBB website. Those reviews have an average rating of one out of five stars.

The NAIC lists Old Dominion Insurance as having five complaints and a complaint index ratio of 1.80. These numbers indicate that Old Dominion has more complaints than the average company of a similar size.

How can you file Old Dominion Insurance claims?

Main Street America handles Old Dominion Insurance Company auto claims. Old Dominion customers can file claims by visiting the Main Street America website or via contacting the company.

Filing claims online is usually the most convenient option, as you can complete a form on a computer or mobile device. Additionally, customers can file online claims at any time.

Customers can file phone claims by calling the Old Dominion Insurance Company claims phone number at 1-877-425-2467. Representatives can assist with claims Monday through Friday from 8 a.m. to 4 p.m. (EST).

How can you make Old Dominion Insurance payments?

In addition to handling claims, Main Street America processes Old Dominion payments. The parent organization allows customers to make payments in multiple ways, including:

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

Electronic Funds Transfer (EFT) payments transfer the funds directly to the company from your bank account. Customers that use this payment method don’t need to remember to pay their bill, as the bank automatically transfers the funds from their account.

Customers can also use their Old Dominion Insurance Company login to pay online. Logging into the customer portal allows policyholders to either make one-time payments or to establish a future payment schedule.

Those that prefer to speak with a representative can call the Old Dominion Insurance phone number at 1-866-335-0509. Representatives can help process payments Monday through Friday from 8 a.m. to 4 p.m. (EST).

Policyholders that prefer to pay by mail can send a check to the following address:

Main Street America Insurance
Attn: Premium Services
55 West Street
Keene, New Hampshire, 03431-3373

While online payments are processed the quickest, mail payments take the longest to process.

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Who is Old Dominion Insurance?

The Old Dominion Insurance Company began in Jacksonville, Florida, in 1981. It remained an independent company until the Mutual Assurance Company purchased it in 1992. The new parent company would merge into the Main Street America Financial Corporation in 1996.

Today, Old Dominion remains a subsidiary of Main Street America and maintains its headquarters in Jacksonville, Florida. Despite its growth, the company only sells coverage to customers who are located in Florida and Georgia.

Old Dominion Insurance: The Bottom Line

Old Dominion Insurance is a subsidiary of Main Street America, providing auto insurance to customers in Florida and Georgia. The company has affordable rates for its standard coverages and offers additional discounts.