Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Written by Chelsey Tucker
Insurance Expert Chelsey Tucker

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. 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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 28, 2022

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The Lowdown

  • Old American Indemnity Company offers nonstandard auto insurance policies in Kentucky and several other U.S. states
  • High-risk car insurance monthly rates with Old American will depend on a variety of factors
  • Old American Indemnity Company has an A- rating with the Better Business Bureau

If you are searching for car insurance, you may be interested in learning more about Old American Indemnity Company.

Old American Indemnity Company provides nonstandard auto insurance products in several states. With Old American, you can search for helpful coverage if you are considered a high-risk driver or if you need nonstandard coverage for other reasons.

When searching for high-risk car insurance, it’s always a good idea to shop around online and compare quotes from several companies before making a final decision. As you do this, you will be able to make sure you don’t end up overpaying for the coverage you need.

In fact, you can use our free quote tool above to find and compare car insurance companies that offer nonstandard coverage today.

What does Old American Indemnity offer for auto insurance coverage?

Old American Indemnity Company, not to be confused with Old American County Mutual Fire Insurance Company, states on the company website that its goal is to provide private passenger automobile insurance. This means that Old American offers various car insurance coverage options to its policyholders.

Old American Indemnity Company offers nonstandard car insurance coverage in Kentucky and several other U.S. states, but the company website does not specify exactly which states it is licensed to sell insurance products.

The company’s website is unclear as to what types of policies it offers. But because the company states that its focus is on nonstandard car insurance, we can assume the policies would work for an individual who is considered a high-risk driver.

If you are searching for nonstandard car insurance coverage, you can check to see if Old American car insurance rates will work for you. But you should also shop around for coverage to be sure you get the best deal on your high-risk car insurance policy.

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What is nonstandard auto insurance?

Nonstandard car insurance is the type of car insurance ascribed to people who are considered high-risk drivers. If you need nonstandard car insurance, you may have been unable to find car insurance with other companies or been offered coverage at very high rates.

Typically, individuals need high-risk car insurance for the following reasons:

  • They have received a major violation, like a DUI or DWI
  • They have had multiple minor violations, like tickets or accidents
  • They have been considered at fault in one or more accidents
  • They have had to file an SR-22 with their state
  • They have a lot of points on their driving record

If you feel like any of the points above apply to you, you may be in need of high-risk auto insurance coverage. As you search for high-risk coverage, Old American Indemnity Company car insurance may be a good fit for you.

Typically, companies that offer nonstandard coverage offer simple policies that meet the state’s criteria for minimum amounts of coverage. This allows policyholders to get high-risk coverage without paying as much as they would for full coverage with another company.

How much is nonstandard auto insurance?

There’s no way to know how much you can expect to pay for high-risk car insurance coverage until you shop around and get quotes from multiple companies. The table below shows average monthly rates for high-risk coverage with different companies:

CompanyMonthly Rates
The General$363
State Farm$292
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As you can see, high-risk car insurance rates vary from one company to the next. This is why it’s a good idea for you to shop around and compare car insurance with multiple companies in your area.

Can you get Old American quotes online?

The Old American website does not offer an option for you to get direct quotes online. Rather, you can call the Old American Indemnity Company phone number and speak to an agent who can help you better understand how much you would pay for coverage and whether the company offers a policy that would work for you.

The Old American website does not offer the option to make Old American Indemnity Company insurance payments online using an Old American Indemnity Company login. So if it’s important to you that your car insurance company allow you to make payments online, you may want to consider another nonstandard auto insurance provider.

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Does Old American have good ratings and reviews?

Old American Indemnity Company has an A- rating with the Better Business Bureau (BBB) based on the company’s overall years in the industry and the company’s relatively low number of customer complaints.

When it comes to Old American Indemnity Company reviews from customers, there is not much online to go by. Some customers have voiced complaints on the BBB website, but Old American has resolved these complaints without much of an issue.

Should I buy auto insurance with Old American?

If you are considered a high-risk driver and you live in a state where Old American Indemnity Company offers coverage, you may want to speak to a company representative to see whether you would want a car insurance policy.

But it’s in your best interest to continue looking online to compare quotes and find companies that offer appropriate coverage for an affordable cost. There’s no reason you should have to pay a significantly higher monthly rate for car insurance just because you’re considered a nonstandard driver.

You can use our free quote tool below to find and compare car insurance rates for high-risk drivers today.