Is Old American Indemnity Company Good?
Last Updated on January 13, 2026
Old American Indemnity Company (often shortened to OAIC) focuses on nonstandard private passenger auto insurance—coverage designed for drivers who may have trouble qualifying for standard insurers because of tickets, accidents, lapses, or other underwriting factors.
Because nonstandard carriers often work through agents and third-party administrators, what you can buy (and how you’re serviced) can look different from a “big-name” insurer. Availability, coverages, and discounts can also vary by state.
Our Rating of Old American Indemnity Company
3.6
out of 5
★★★★☆
Summary
Bottom line: Old American Indemnity Company can be a practical option for drivers who need nonstandard auto insurance and are comfortable working through an agent or servicing partner.
OAIC focuses on nonstandard private passenger auto coverage, offering common options like liability, comprehensive, collision, and uninsured/underinsured motorist coverage, with add-ons such as roadside assistance and rental reimbursement varying by state and program; because policies may be handled through managing general agents or third-party administrators, confirm who services your account and how claims, billing, and policy changes are managed for your specific policy.
Best for
- Drivers who’ve had trouble qualifying with standard insurers due to tickets, accidents, or lapses
- Shoppers who need straightforward compliance coverage in a participating state
- People who prefer handling quotes and service through an agent or MGA
Not ideal for
- Drivers who want robust online self-service and a single national service experience
- Shoppers looking for broad discount programs or multi-product bundling with one carrier
- Anyone outside OAIC’s current operating states or programs
- Our Rating of Old American Indemnity Company
- Old American Indemnity Company at a Glance
- Who This Insurer May Be a Good Fit For
- How OAIC Policies Are Often Sold and Serviced
- Old American Indemnity Auto Insurance Coverage Options
- Old American Indemnity Discounts and Ways to Save
- How to Get a Quote
- If You Can’t Get Covered Elsewhere
- How to File a Claim or Get Policy Help
- How to Cancel Your Policy
- How to Research Complaints, Licensing, and Financial Information
- Bottom Line on Old American Indemnity Company
- FAQs on Old American Indemnity Company Car Insurance
Old American Indemnity Company at a Glance
| Market | Nonstandard auto insurance (often used by higher-risk drivers) |
| How You Buy | Typically through independent agents or partner organizations |
| Where It’s Available | Select states (availability can change—confirm before applying) |
| Best For | Drivers needing basic compliance coverage, SR-22 filings (where offered), or a path back to standard markets |
| Not Ideal For | Shoppers who want broad online self-service, lots of discounts, or bundling multiple products with one carrier |
Who This Insurer May Be a Good Fit For
Nonstandard insurance isn’t “bad insurance”—it’s a different underwriting category. OAIC may be worth a look if:
- You’ve been declined by standard insurers or quoted very high rates
- You need coverage to stay legal and avoid a lapse
- You’re rebuilding your driving record and want a plan to shop again after 6–12 months
- You primarily need a straightforward policy (liability or basic full coverage)
Quick tip: If your last policy lapsed, prioritize getting continuous coverage first. Even a short lapse can make quotes more expensive until you’ve rebuilt an uninterrupted insurance history.
How OAIC Policies Are Often Sold and Serviced
Many nonstandard insurers operate through a network of independent agents and partner service organizations. That can affect:
- Quotes: You may need to work with an agent to compare options and finalize coverage.
- Billing and policy changes: A servicing organization may handle payments, ID cards, endorsements, and reinstatements.
- Claims: Claims may be reported through a dedicated claims administrator rather than a single national claims phone number.
If you’re shopping multiple high-risk options, compare OAIC against other nonstandard car insurance companies so you can see which one best matches your state and driving profile.
Old American Indemnity Auto Insurance Coverage Options
Exact offerings vary by state and underwriting program, but nonstandard auto policies commonly include the coverages below. (If you’re unsure what you need, start with your state’s minimum requirements and then consider protection for your car and your passengers.)
| Coverage | What It Typically Helps Pay For | When It Matters Most |
|---|---|---|
| Liability (Required in Most States) Property Damage + Bodily Injury | Damage or injuries you cause to others | Any at-fault accident—especially where injuries are involved |
| Comprehensive | Theft, vandalism, hail, animal hits, and other non-collision losses | If your car has value you can’t easily replace out-of-pocket |
| Collision | Damage to your car from a crash (regardless of fault, subject to deductible) | If your vehicle would be expensive to repair or total |
| Personal Injury Protection (PIP) / Medical Payments (MedPay) | Medical bills for you and passengers (rules vary by state) | When health insurance deductibles are high or you want extra protection |
| Uninsured/Underinsured Motorist | Injuries (and sometimes property damage) when the other driver has little/no coverage | In hit-and-runs or crashes with underinsured drivers |
| Roadside Assistance | Towing, jump-starts, lockouts, and basic roadside services | If you drive older vehicles or commute long distances |
| Rental Reimbursement | Rental car costs while your vehicle is being repaired after a covered claim | If you rely on your car daily and don’t have backup transportation |
| Gap Insurance | The difference between your loan balance and car value after a total loss (if eligible) | If you’re upside-down on a loan/lease |
Old American Indemnity Discounts and Ways to Save
Nonstandard programs often have fewer discounts than standard insurers, but you may still be able to lower your premium depending on your state and program. Here are savings opportunities to ask about:
| Discount or Strategy | What to Ask Your Agent | Learn More |
|---|---|---|
| Multi-Vehicle | Whether adding another car lowers the per-vehicle rate | Multi-car discounts |
| Multi-Policy (Where Available) | Whether any partner program supports bundling | How bundling works |
| Safe Driver | Whether a clean period earns a discount or lower tier at renewal | Good driver discounts |
| Vehicle Safety Features | Whether airbags, anti-theft, or ADAS qualify | Safety feature discounts |
| Low Mileage | Whether reduced annual mileage lowers the rate | Low-mileage discounts |
| Defensive Driving | Whether completion earns a discount in your state | Defensive driving course discounts |
| Student Away From Home | Whether a student living elsewhere qualifies (if applicable) | Distant student discounts |
| Loyalty / Renewal Tiering | How pricing changes at renewal with continuous coverage | Customer loyalty discounts |
How to Get a Quote
Because nonstandard pricing is highly individualized, the best approach is to gather details and let an agent compare programs available in your state.
- Collect basics: driver’s license info, VINs, garaging address, and your driving/insurance history.
- Choose coverage goals: minimum limits vs. stronger protection (and your deductible comfort level).
- Ask about required filings: if you need an SR-22 or similar form, confirm availability and fees upfront.
- Compare at least 2–3 options: nonstandard rates can swing widely by company and state.
If affordability is your main concern, review these practical steps before you reduce coverage too far: I can’t afford car insurance—what should I do?
If You Can’t Get Covered Elsewhere
If you’ve been declined by multiple carriers, you may still have options—like state programs or assigned-risk plans (availability and rules vary by state). Start here: how assigned risk auto insurance works.
For a broader overview of how nonstandard auto insurance differs from standard policies, see: non-standard auto insurance explained.
How to File a Claim or Get Policy Help
Start with the contact information on your declarations page, ID card, or billing statements. If your policy is serviced by a partner administrator, that organization may handle claims intake and policy changes.
You can also use OAIC’s online directory to find the correct service contact for your policy number: Claims & Policy Directory.
How to Cancel Your Policy
Cancellation rules vary by state and policy terms, but the basics are consistent: request an effective cancellation date, confirm any documentation requirements, and avoid a coverage gap if you’re switching carriers.
- Line up replacement coverage first (if you’re still driving).
- Contact your servicing agent/administrator and request the cancellation date.
- Ask how refunds work if you paid ahead (and whether any fees apply in your state).
If you’re owed money back after canceling, this guide explains how unused premium refunds typically work: refund of unused premiums.
Quick tip: If you’re canceling because you sold the car, ask what proof they need (bill of sale, plates returned, or new policy declarations). Documentation can prevent delays and billing disputes.
How to Research Complaints, Licensing, and Financial Information
For any insurer—especially a smaller or regional/nonstandard carrier—use regulator tools to verify basic details:
- Check licensing and company info: Use the NAIC’s Consumer Insurance Search tool and confirm the exact company name on your policy.
- Review complaints carefully: Look at complaint patterns (billing vs. claims vs. underwriting), not just star ratings.
- Confirm the servicing entity: If your policy is administered by a third party, review that organization’s contact process and timelines.
Start here: NAIC Consumer Insurance Search.
Bottom Line on Old American Indemnity Company
Old American Indemnity Company may be a practical option if you need nonstandard auto insurance and want a policy designed for higher-risk drivers. Just be sure you understand who services your policy, how claims are reported, and what options you’ll have at renewal as your driving record improves.
Contact Information
Mailing Address:
P.O. Box 793747
Dallas, Texas 75379-3747
Phone: 214-561-1991
Toll-Free: 866-233-7091
Fax: 214-561-1990
Compliance Fax: 214-561-1988
Email: info@oldam.com
Website: https://www.oldamericanindemnity.com/
Note: Contact details and servicing partners can change. For the fastest help with claims or policy changes, use the phone number listed on your declarations page/ID card or the company’s claims and policy directory.
