Old Republic Auto Insurance Review for 2025 (See Rates & Discounts Here)

Our Old Republic auto insurance review highlights the company’s focus on commercial auto coverage, offering rates starting at $85/month.

Old Republic is a company that specializes in gap insurance, and it offers flexible coverage options and discounts for drivers with good records.

Old Republic Auto Insurance Rating

Rating Criteria
Overall Score	4.3
Business Reviews	5.0
Claim Processing	3.5
Company Reputation	4.0
Coverage Availability	5.0
Coverage Value	4.5
Customer Satisfaction	2.5
Digital Experience	3.5
Discounts Available	4.7
Insurance Cost	4.5
Plan Personalization	4.0
Policy Options	5.0
Savings Potential	4.5

How auto insurance companies check driving records is important for qualifying for these discounts, as insurers look for accidents and violations in a driver’s history. This review covers everything you need to know to make an informed decision.

If you want to try to save money on your car insurance premiums, just put your ZIP code into free quote comparison tool to see how your current rates stack up with the nation’s top providers.

Old Republic Auto Insurance: Commercial Coverage and Monthly Rates by Age & Gender

Old Republic Auto Insurance only offers commercial policies, not personal coverage. As part of Old Republic International, it provides tailored rates based on age and coverage levels, with potential savings through affiliate partnerships.

Old Republic Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

The table below outlines Old Republic Auto Insurance’s average monthly rates by coverage level, age, and gender. Rates span a large range, depending on the driver’s age and the type of coverage selected. Rates for minimum coverage start at $85 for females and $90 for males as they reach age 60; younger drivers pay more.

Full coverage auto insurance rates are higher, starting at $125 for females and $130 for males at age 65. The rates drop as you age, with the lowest premiums for drivers aged 45 to 60. The premiums factor in the increased level of protection provided by collision and comprehensive coverage, an optional coverage that adds a higher cost than required liability coverage.

By comparing rates, drivers can find the right coverage for their needs and how much they have to pay based on age and level of protection because Old Republic Auto Insurance offers them peace in knowing that the level of coverage they need would still fall below a price point that is within reach for their wallets.

Comparing Old Republic Auto Insurance Rates by Driving Record and Credit History

Selecting a policy often becomes easier With figuring out how your driving record affects auto insurance costs. The Old Republic Auto Insurance table below divides monthly rates for different driving records.

Rates vary based on the driver’s record, including whether they have a clean record, an accident, a DUI, or a ticket. Drivers with clean records usually get the lowest premiums, while those with accidents or DUIs face higher rates. Cheap auto insurance after a DUI is possible, but it requires shopping around and maintaining a clean driving record.

This breakdown can help drivers see how their driving history affects their monthly insurance rates. These rates can give drivers a general idea of how their previous driving behavior impacts their premiums and allow them to make more informed decisions when looking for Old Republic auto insurance.

Old Republic Auto Insurance Rates Compared to Top Competitors by Driving Record

Insurance Company	Good Credit	Fair Credit	Poor Credit
	$90	$115	$150
	$83	$109	$144
	$75	$100	$135
	$88	$112	$147
	$81	$106	$141
	$85	$110	$145
	$82	$108	$142
	$80	$105	$140
	$79	$104	$138
	$70	$95	$130

According to the table below, Old Republic Auto Insurance is among the most competitive providers compared with top competitors based on credit scores. The rates are listed by good, fair, and poor credit to show how your credit score can affect monthly premiums between different insurance companies.

These car insurance rates from Old Republic for good, fair, and poor credit are comparable to that of other large insurers, making it a good option for drivers based on credit history. This comparison allows drivers to assess which current offers may provide the best value for their specific insurance needs based on their credit status.

Old Republic Auto Insurance vs. Top Competitors: Monthly Rates for Minimum & Full Coverage

Comparing auto insurance rates goes beyond just how different providers compare and the factors that affect auto insurance rates. This breakdown illustrates how Old Republic’s minimum and full coverage rates stack up against a handful of top competitors.

Old Republic Auto Insurance Monthly Rates vs. Top Providers

Insurance Company	Minimum Coverage	Full Coverage
	$70	$150
	$64	$130
	$55	$120
	$68	$145
	$63	$128
	$78	$145
	$62	$125
	$65	$135
	$61	$132
	$50	$115

Old Republic Auto Insurance monthly rates are compared with top providers, including Allstate, Geico, and State Farm, across minimum and full coverage options. Rates for each insurer are presented side by side, helping drivers evaluate how Old Republic’s premiums measure up against competitors.

While they have these similarities, this comparison also highlights the differences in pricing, allowing drivers to find the best coverage for them — and within their budgets. By comparing rates, drivers will be better informed and be able to choose the provider that suits their individual needs and budget.

Maximize Savings with Old Republic Auto Insurance Discounts

The Old Republic has many discounts for policyholders to help reduce their rates. These include discounts for bundling policies, maintaining a clean driving record, or being a good student. Other options for savings are discounts for installing anti-theft devices and courses in defensive driving, as well as loyalty.

Old Republic Auto Insurance Discounts

Discount Name
Multi-Policy	20%
Good Driver	15%
Good Student	10%
Anti-Theft Device	10%
Defensive Driving	10%
Loyalty	8%
Low-Mileage	7%
Vehicle Safety Features	5%
Pay-in-Full	5%
Paperless Billing	3%

Additional discounts are available for low-mileage drivers, vehicles with safety features, paying premiums in full, and opting for paperless billing. These discounts, such as the best low-mileage auto insurance discounts, available to policyholders can make Old Republic Auto Insurance a cost-effective option for many drivers.

These discounts allow drivers to lower costs and save on their insurance with Old Republic Auto Insurance.

Essential Coverage Options for Businesses with Old Republic Auto Insurance

Old Republic Auto Insurance offers vital coverage for businesses, including everything from service contracts to protection for market-valued payment of a totaled vehicle. Here is a look at some of the major players in the auto insurance market for businesses looking for trustworthy and affordable solutions.

• Automotive Service Contracts (ASC): This covers businesses maintaining their fleet under service contracts. They help businesses control the cost of vehicle repairs by covering certain vehicle service needs.
• Guaranteed Asset Protection (GAP): Gap insurance safeguards businesses from loss of income when a vehicle is written off. This coverage means the business will be protected from any difference between the amount owed on the vehicle loan and the vehicle’s actual cash value at the time of the accident.
• Commercial Auto Insurance: This insurance policy covers vehicle and property damage and can protect against bodily injury claims related to accidents involving business vehicles.
• Workers’ Compensation: Old Republic provides coverage for employees injured while driving a company vehicle for businesses requiring workers’ compensation as part of their auto insurance policy.
• Bundling Options: Businesses can bundle their commercial auto policies with other types of coverage like general liability, property, or workers’ compensation for potential savings.

Old Republic coverage options help you to insure your fleet and save with bundling. As one of the best companies for bundling home and auto insurance, they deliver integrations that meet business and personal needs, allowing clients to manage their policies while taking advantage of significant savings seamlessly.

Old Republic offers solutions from service contracts to gap insurance and workers’ compensation to keep operations running smoothly. Consider these options to determine the most suitable coverage for your company.

Old Republic Auto Insurance: Ratings, Reviews, and Consumer Insights

Old Republic Auto Insurance is a strong and reputable insurance industry name with a long history of stability and offerings. Let’s look inside the company’s ratings and consumer feedback to see what it’s up against.

Old Republic Auto Insurance Business Ratings & Consumer Reviews

Agency
	Score: A+ Excellent Business Practices
	Score: 0.00 No Complaints Reported
	Score: A+ Superior Financial Strength

Old Republic has a strong reputation and has earned an A+ from A.M. Best for financial strength. The company has a great reputation for business practices and no complaints − a testament to its commitment to providing reliable coverage and service.