Old Dominion Car Insurance Review [2025]

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.

Old Dominion [#current_year] Monthly Rates vs U.S. Average

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. The cost of insurance is a crucial consideration for anyone seeking coverage. Old Dominion Insurance, a subsidiary of Main Street America Insurance, is known for providing competitive rates.

However, it’s important to note that the actual cost of insurance can vary significantly based on several factors, including your location, driving history, the type of coverage you choose, and any applicable discounts. To give you a general idea of what to expect, we’ll provide some approximate average rates for Old Dominion Insurance.

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.

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

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.

Here is the list of Old Dominion Insuranceof coverage options:

• Liability Coverage: Liability coverage is typically required by law and helps cover expenses related to injuries or property damage if you’re at fault in an accident.
• Collision Coverage: This coverage helps pay for repairs to your vehicle in the event of an accident, regardless of fault.
• Comprehensive Coverage: Comprehensive coverage is designed to protect you from non-collision-related damage, such as theft, vandalism, or damage from natural disasters.
• Uninsured/Underinsured Motorist Coverage: This coverage safeguards you in case you’re involved in an accident with a driver who lacks insurance or has insufficient coverage.

Old Dominion Insurance also offers additional coverage options that can be added to your policy for enhanced protection. Some of these options include:

• Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers in the event of an accident, regardless of fault.
• Roadside Assistance: Roadside assistance coverage provides help in case of a breakdown, flat tire, or other roadside emergencies.
• Rental Car Reimbursement: If your vehicle is undergoing repairs due to a covered claim, this option can cover the cost of a rental car.
• Custom Equipment Coverage: For those with custom modifications or aftermarket accessories, this coverage helps protect your investment.
• Gap Insurance: Gap insurance covers the difference between the actual cash value of your vehicle and the amount you owe on your auto loan if your car is deemed a total loss.

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

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, such as: Driving record, Vehicle type, Payment habits, and Education.

Additionally, Saving money on your auto insurance is not just about finding the right coverage; it’s also about taking advantage of available discounts. Old Dominion Insurance provides several discounts to help policyholders reduce their premiums. Understanding these discounts can significantly impact your overall insurance costs:

1. Safe Driving Discounts
2. Policy and Vehicle Discounts
3. Financial and Personal Discounts
4. Safety and Anti-Theft Device Discounts

These discounts are designed to help policyholders save money on their auto insurance premiums, and eligibility for each discount may vary based on individual circumstances and the state in which you reside.

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

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.

Ease of Filing a Claim

Old Dominion Insurance offers a hassle-free claims filing process, allowing policyholders to file claims through multiple convenient channels, including online, over the phone, or through dedicated mobile apps. This flexibility ensures a smooth and accessible experience for policyholders seeking to report and initiate their claims promptly.

Average Claim Processing Time

Old Dominion Insurance is committed to swift and efficient claim processing. On average, the company ensures a timely handling of claims, providing customers with a reasonable and responsive claim resolution period. This efficiency contributes to a positive customer experience during the claims process.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is vital in evaluating the effectiveness of any insurance company’s claims process. Old Dominion Insurance prioritizes customer satisfaction by valuing and addressing feedback on claim resolutions and payouts. The company continually strives to improve its services based on customer experiences, ensuring fair and satisfactory outcomes for policyholders.

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Unveiling Old Dominion’s Cutting-Edge Digital and Technological Features: A Comprehensive Overview

Mobile App Features and Functionality

Old Dominion Insurance offers a user-friendly mobile app equipped with a range of features designed to enhance the overall customer experience. The app provides easy access to policy information, allows claims filing, facilitates payments, and offers real-time updates on policies. The intuitive interface and comprehensive functionalities make managing insurance on-the-go a seamless process for users.

Online Account Management Capabilities

Old Dominion Insurance provides a robust online platform, allowing policyholders to manage their accounts with ease. Through the online portal, customers can view and update their policies, track claims, make payments, and access important policy documents. This convenient digital hub empowers customers to have control and visibility over their insurance accounts, enhancing their overall satisfaction.

Digital Tools and Resources

Old Dominion Insurance offers various digital tools and resources to educate and assist policyholders. These resources may include informative articles, calculators, and guides to help customers make informed insurance decisions. By leveraging these digital tools, policyholders can enhance their understanding of insurance products, coverage options, and best practices, ultimately leading to better decision-making.

Customer Review of Old Dominion Insurance

Old Dominion Insurance has garnered positive feedback for its competitive rates, comprehensive coverage options, and a variety of discounts that help policyholders save on premiums. Its efficient claims process and digital features further enhance the customer experience.

However, the company’s availability is limited to Florida and Georgia, and additional information about credit ratings may be beneficial for potential customers. To make an informed decision, it’s advisable to obtain personalized quotes and consider individual needs and circumstances.

History of 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.

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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.

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.

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.

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