Old Republic commercial auto insurance review Jan 2022

Extra coverage against minor repairs that works for auto insurers or dealers

Old Republic offers specialty coverage like auto warranties to individuals or business partners who then sell it to customers. The company sets itself apart with auto warranty extras not offered by competitors.


Roadside assistance

Accident forgiveness


States served All 50 states
Claims methods email, phone
Payment schedule monthly
Cargo coverage No
Non-owner coverage No
Lifetime repairs guarantee No


  • Auto warranties with bonus coverage
  • Claims paid out in 72 hours
  • Ideal for auto dealers and insurers


  • Lack of info on website
  • Poor customer service
  • Best for auto dealers and insurers

Review by

Sarah George is a staff writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

Old Republic specializes in add-on insurance products such as extended warranties and gap insurance, which work best with its auto dealer and insurer partnerships. However, you may need to call with questions not answered on the company’s website, andyou might have to try multiple times before reaching someone.

How to contact Old Republic

Old Republic provides several ways to contact them about its auto products:

  • Phone. Call customer service at 800-331-3780.
  • Online. Use the company’s contact form on the website to get in touch.
  • Email. Send over your questions by email to info@orias.com or customerservice@orias.com.
  • Mail. Send regular mail to:

    8282 South Memorial Drive, Suite 202,
    Tulsa, OK 74133-4352

What commercial coverage does Old Republic offer?

While Old Republic doesn’t offer standard car insurance like liability or collision, this specialty insurer offers extra auto coverage for maintaining your business cars or your customer’s cars. For instance, you might offer Old Republic’s auto service contracts to customers at your dealership.

  • Auto service contracts. Provides three levels of extended warranty coverage, including new and used cars, and a specialty package for financial companies to offer to their customers.
  • Gap insurance. Covers the rest of a car loan or lease when a totaled car loss leaves you with an outstanding balance. This insurance offers terms up to seven years and 150% of the MSRP value for personal or light commercial vehicles.
  • Mechanical breakdown. Similar to its auto service contracts, this protects customers from specified mechanical problems for the term length chosen — much like a service warranty — for issues including tire damage, broken windshield and wear and tear protection.

What features does Old Republic offer for businesses?

The company also offers several add-ons for further protection for you or your customer’s vehicles:

  • Paintless dent repair. Repair minor dents in your car that don’t affect the original paint job.
  • Tire and wheel coverage. Offers coverage from everyday driving hazards, such as glass, nails and potholes that may damage tires.
  • Theft. Helps you recover the cost of your stolen car.
  • Windshield repair. May help you repair or replace your damaged windshield. Includes applying a glass strengthening product for damage prevention.
  • Leased car wear and tear. Covers the cost of excessive wear and tear to a leased vehicle, such as dents, dings and paint scratches.
  • Warranty bonuses. Many of the company’s extended warranties come with additional coverage for roadside assistance, trip interruption, towing, tires and rental reimbursement.

Old Republic commercial auto insurance reviews and complaints

Old Republic Insured Automotive Services has 41 years of business experience. It also holds a Better Business Bureau accreditation and A+ business rating.

The Old Republic Insurance Company also showcases solid financial history with a Superior (A+) rating by AM Best, as of October 2020.

Alternatives to Old Republic car insurance

Name Product AM Best financial rating Available states
Progressive commercial car insurance
All 50 states
Cover nearly any business vehicle from box trucks to limos with big savings from discounts, safety programs and a single deductible.
Not rated
All 50 states except Alaska & Hawaii
Compare multiple quotes for business auto insurance to find the cheapest rates from this online commercial insurance broker.
The Hartford commercial car insurance
All 50 states
The Hartford’s customized auto insurance policies protect your business fleet with well-rounded coverage and a safe driving program.
Allstate commercial car insurance
All 50 states
Customized, industry-specific polices like leased car coverage plus quick claims filing.
Liberty Mutual commercial car insurance
All 50 states
Take advantage of telematics to monitor and improve employees' driving and save on insurance premiums.

Compare up to 4 providers

Pros and cons of Old Republic commercial car insurance


  • Specialty insurance provider. Old Republic specializes in warranty and add-on coverage so customers can enjoy wide auto protection.
  • Quick claims. The company says it delivers most claim payments within 72 hours of receiving all the necessary documentation.
  • Extended warranties with bonus coverage. The company provides extended warranties for new and used cars. Many plans include add-on services like roadside assistance and trip interruption.


  • Lack of website info. The company’s automotive section may leave you with unanswered questions, some we found by digging in unexpected places.
  • Poor customer service. When we contacted customer service, it took three tries via email, Twitter and phone call to receive a response.
  • Works best for auto dealers and insurers. While the company doesn’t exclude individuals or other business groups, its products cater to dealerships and insurance companies. These businesses can then sell the products to their own customers.

Frequently asked questions about Old Republic Insurance

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Go to site