- Non-standard auto insurer — higher-risk and minimum-coverage Louisiana drivers
- ~10,000-policyholder Louisiana book
- Louisiana rates roughly flat (+0.7%) for 2026 (approved LA DOI filing)
- Agent-based; SR-22, lapses, and minimum-coverage profiles are its market
- Limited coverage menu — compare a standard carrier for full coverage or higher limits
Old American Indemnity is a non-standard auto insurer writing in Louisiana — the market for drivers who don't qualify for a standard carrier's best rate: SR-22 filings, coverage lapses, violations, or a preference for the lowest-cost legal coverage. It distributes through local agents and carries a mid-size non-standard Louisiana book.
Like its non-standard peers, Old American's low book-average premium reflects a minimum-limits coverage mix rather than a cheap full-coverage price. It's a placement option for hard-to-write risks, not a full-coverage value play.
What the filings show
Louisiana approved an Old American rate change of about +0.7% for 2026 — effectively flat. That makes it one of the steadier books in a year when most of Louisiana's larger auto writers cut rates; steady is not the same as cheap, so a quote comparison still matters.
Who Old American is right for
Old American fits Louisiana drivers who need low-cost minimum coverage or an SR-22 and have limited options at standard carriers. Drivers who want full coverage, higher limits, or add-ons should compare standard carriers first and use Old American only as a placement of last resort.
Bottom line: Old American is a non-standard placement option for high-risk Louisiana drivers, with roughly flat 2026 rates. Its low premium reflects thin coverage — compare it against standard carriers for your ZIP before committing.
Old American’s recent rate filings
The actual rate changes Old American filed with state insurance regulators — primary-source numbers, not estimates. In the filings we track, Old American filed 1 auto rate change across 1 state, averaging +0.7%. Each row links to the filing in our rate-filings ledger.
| Product | State | Change | Effective | SERFF filing |
|---|---|---|---|---|
| Auto | LA | +0.7% | Oct 2025 | #VICO-134665497 ↗ |
Filed/approved statewide-average changes from each state’s Department of Insurance; a filed average is not your rate — your change depends on your ZIP, coverage, and risk profile, and a cut often reaches new customers before renewals. Not a quote.