Old American Mutual Insurance Company Review (2022)

Old American County Mutual only sells car insurance for high-risk Texan drivers. You can't buy life insurance through Old American County Mutual. There are over 4,000 insurance companies that sell life insurance products, but you can shop online to find a policy that can meet your coverage needs. There are also major insurance companies that offer clients insurance bundling discounts.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Mar 15, 2022

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The Rundown

  • Life insurance provides a financial cushion for your loved ones
  • Old American County Mutual only sells car insurance
  • You can shop for life insurance online

A life insurance policy can allow you to leave behind one last gift for your loved ones or even your favorite charitable organization. There are over 4,000 insurance companies that sell life insurance, which can make shopping for the best one rather difficult. Thankfully, resources like this Old American County Mutual review can help narrow down your choices and find an insurance company that best suits your coverage needs.

What is Old American County Mutual?

The Old American Group owns Old American County Mutual, which provides high-risk Texas drivers with car insurance. However, if you live outside Texas and need life insurance coverage as well, you’ll need to shop online as Old American County Mutual only sells car insurance to Texans. The Old American Group also owns Old American Indemnity Company, which focuses on selling car insurance.

The scope of Old American County Mutual and its customer service tools are limited. For example, there is no such thing as Old American life insurance. You can’t access an online portal to pay for your Old American County Mutual insurance policy. The website doesn’t have even have a tool for drivers to request extra copies of insurance cards either.

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What coverages does Old American County Mutual offer?

The Old American insurance company doesn’t offer many explanations in regard to its car insurance coverage, but you typically choose from these coverage types when shopping for car insurance:

Coverage ConsiderationsDescription
LiabilityMost states require you set amount of liability coverage which protects other drivers in the case of an accident
ComprehensiveThis coverage and collision coverage are typically required by your lender or lease holder. If you own your vehicle outright, this is an optional coverage. It will pay for damage from non-accident related events such as hail, vandalism, and theft.
CollisionThis provides financial protection for your vehicle. It will pay for damages after a crash.
Personal Injury Protection (PIP)This coverage will pay for your own medical costs including lost wages.
Medical Payments (MedPay)Similar to PIP, MedPay covers injury costs but doesn't cover lost wages like PIP does.
Uninsured/Underinsured Motorist ProtectionInsurance companies are required to offer this coverage to you and it will pay for your own damages beyond what another's liability covers when they're responsible for an accident.
Guaranteed Auto Protection (GAP)You may owe more on your vehicle than it's worth because of how quickly cars depreciate. This coverage will pay the difference between the value and what you owe if your vehicle is totaled.
Personal Umbrella Policy (PUP)This option provides an "umbrella" of coverage over several types of insurance.
Rental ReimbursementIf your car is a total loss or needs repair, do you have another vehicle you can drive? If you'll need a rental, you should consider this option.
Emergency Roadside AssistanceYou can purchase this option from your insurer or a driving club.
Pay-As-You-Drive or Usage-Based InsuranceThis isn't a good choice for everyone, but if you drive few miles, it might be cheaper for you to purchase this kind of coverage.
Non-Owner Car InsuranceThis option is for people who do not own a car but borrow one occasionally.
Modified Car Insurance CoverageIf you've made modifications to your vehicle, your regular full coverage won't take those changes into consideration when paying for damages. Adding special coverage for those modifications will protect the value of them.
Windshield CoverageWindshield coverage will help you pay for the replacement of your broken glass (check state laws for specifics)
Mechanical Breakdown InsuranceThis coverage is similar to a manufacturer extended warranty and you should weight the benefits of both a warranty and breakdown insurance to see which is best for you.
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You can get more information about Old American County Mutual insurance policies by calling 866-233-7091. You can also send an email to [email protected] if you would like to request a free quote.

How much does a policy with Old American County Mutual cost?

Although Old American insurance rates aren’t available online, you can still start to adjust your budget for your new car insurance policy. You can find the average rates for car insurance in your home state here:

StatesAverage Monthly Liability RatesAverage Monthly Collision RatesAverage Monthly Comprehensive RatesAverage Monthly Full Coverage Rates
Alabama$39$30$14$83
Alaska$47$31$12$91
Arizona$50$26$17$92
Arkansas$37$30$18$85
California$47$38$8$93
Colorado$52$26$20$98
Connecticut$62$33$11$106
Delaware$71$28$11$110
District of Columbia$61$42$19$122
Florida$79$28$11$118
Georgia$60$32$14$106
Hawaii$39$28$9$76
Idaho$33$21$11$65
Illinois$41$28$11$80
Indiana$35$23$11$69
Iowa$28$20$17$65
Kansas$33$23$22$78
Kentucky$48$25$13$86
Louisiana$77$38$20$135
Maine$31$24$9$63
Maryland$58$33$13$104
Massachusetts$53$35$12$100
Michigan$74$38$13$126
Minnesota$40$21$17$78
Mississippi$42$30$19$91
Missouri$40$25$17$82
Montana$35$23$22$80
Nebraska$34$22$21$76
Nevada$68$28$10$106
New Hampshire$35$27$10$72
New Jersey$77$34$11$121
New Mexico$46$25$16$87
New York$73$36$15$124
North Carolina$31$27$11$69
North Dakota$25$22$21$68
Ohio$36$24$11$71
Oklahoma$41$28$21$90
Oregon$55$22$8$85
Pennsylvania$44$30$13$88
Rhode Island$71$38$11$121
South Carolina$53$25$16$94
South Dakota$27$19$25$72
Tennessee$38$28$13$79
Texas$51$35$20$106
Utah$47$24$10$81
Vermont$31$27$12$69
Virginia$39$25$12$76
Washington$55$25$9$89
West Virginia$43$29$18$89
Wisconsin$34$20$13$67
Wyoming$29$24$24$78
Countrywide$50$30$13$94
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As illustrated by the data table above, Arizona car insurance rates and Florida rates are very different, but where you call home isn’t the only factor that can influence your rates. Your car type, age, and driving history can affect your total rate.

Is it easy to file a claim with the Old American County Mutual?

To file a claim with Old American County Mutual, you’ll need to have your policy number ready. Of course, if you can’t access your policy documents, you can always call an Old American customer service representative for assistance. You can send documents to P.O. Box 793747, Dallas, Texas, 75379-3747, as well if required.

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Which insurance companies sell car and life insurance policies?

Many consumers like having their insurance products all in one place. Unfortunately, since Old American County Mutual only sells car insurance, you’ll have to look elsewhere if you need coverage for other aspects of your life. You can purchase life insurance and car insurance coverage from major insurance companies, some of which include:

  • Farmers
  • State Farm
  • AAA
  • Erie
  • Nationwide

Bringing your life and auto policies together is a great way to save money, as most insurance companies offer a discount for insurance bundles. When shopping for insurance online, review your quotes carefully to ensure you aren’t missing any other discounts that could lower your rates.

What You Need to Know About Old American County Mutual

Old American County Mutual only sells car insurance to high-risk drivers who live in Texas. However, if you need coverage for your car and life insurance coverage, try shopping online for more robust insurance companies. Most major insurance companies like Nationwide or AAA can help you find coverage for nearly all your insurance needs.

When shopping online for insurance, request quotes from at least three companies so you can compare quotes and be sure that you’re not missing any money-saving opportunities.

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