Freeway Auto Insurance Review (2024)
Freeway is a good insurance company that provides minimum auto insurance to high-risk drivers. On average, high-risk car insurance costs $323/mo. The company also offers SR-22 coverage throughout the U.S. and appeals to drivers seeking nonstandard coverage. Our Freeway auto insurance review explains more.
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Sep 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Freeway Insurance
Average Monthly Rate For Good Drivers
$119A.M. Best Rating:
N/AComplaint Level:
LowPros
- A variety of insurance products, depending on where you live
- Nationwide auto insurance coverage
- A specific program for civil responsibility
- An insurance network to compare quotes from multiple providers
Cons
- No agents in certain states
- Limited capabilities on the company website
- A third party underwrites the policies
Freeway auto insurance could be right for those struggling to find coverage elsewhere because they need high-risk auto insurance. The Freeway Insurance agency offers minimum coverage to nonstandard drivers throughout the U.S.
Rates with the company may be high when compared to other insurance companies. Still, if you’re a high-risk driver, you may find that auto insurance rates with most companies are above average.
You can get a Freeway Insurance quote to see if it is one of the cheapest high-risk auto insurance quotes for high-risk drivers in your area. To compare Freeway auto insurance quotes, you can enter your ZIP code above.
What You Should Know About Freeway Insurance
Freeway car insurance reviews are limited online. Freeway Insurance doesn’t have ratings from third-party companies like A.M. Best or J.D. Power. However, Freeway Insurance has a BBB rating of A+. In addition, Freeway insurance rating from customers is 4.2 out of 5 stars. So, Freeway Insurance is a real insurance company for high-risk drivers.
Freeway Insurance customer complaints typically involve issues with customer service or the claims handling process. Before you purchase an auto insurance policy with Freeway, read Freeway Insurance customer service reviews to learn more about the company.
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Freeway Auto Insurance Company
Freeway Insurance started in California. The company currently provides mandatory auto insurance coverage to high-risk drivers throughout the U.S. With Freeway Insurance, you can purchase the minimum auto insurance required in your state. However, Freeway insurance costs may be higher than your state’s average price for minimum coverage.
Freeway car insurance does include personal injury protection (PIP) insurance coverage for individuals who need it, and the company offers a few discounts to qualifying policyholders to help lower their insurance rates.
Freeway Insurance takes civic responsibility very seriously, and the company partners with Toys for Tots to provide toys and gifts to economically disadvantaged children in the United States and abroad.
Freeway is a legitimate insurance company, though Freeway auto insurance reviews concerning the company’s products and services vary. If you’re interested in pursuing a Freeway insurance policy in Texas or any other state, you may also want to consider other auto insurance companies.
Pros of a Freeway Auto Insurance Policy
If you purchase car insurance coverage with Freeway Insurance, you will enjoy several benefits.
Freeway offers more than just car insurance. If you need additional insurance products, you may be interested in other products Freeway offers. Purchasing two or more insurance products with the company may qualify you for a discount.Michelle Robbins Licensed Insurance Agent
Freeway Insurance offers auto insurance nationwide. Regardless of where you live, you can get Freeway car insurance quotes to see if the company’s rates work for your lifestyle and budget.
Freeway Insurance takes its civil duties seriously, and part of the company’s profits go toward helping underprivileged children in the U.S.
Freeway also uses an insurance network to help prospective customers compare auto insurance rates from multiple companies. For example, if you’re looking for high-risk coverage, Freeway may help you compare rates with the company against rates for similar policies with other auto insurance companies.
Cons of a Freeway Auto Insurance Policy
While there are many benefits to purchasing an auto insurance policy with Freeway, there are also some downsides.
Freeway Insurance offers coverage throughout the U.S. but does not have in-person agents in every state. Therefore, if you value working closely with someone, you may want to consider other companies with offices and agents in your area.
The Freeway Insurance website has limited capabilities for online payments and overall policy management. You cannot file a claim on the Freeway website. Instead, you must call and speak with a representative.
Many third-party organizations do not rate Freeway Insurance. With a lack of ratings, it may be difficult to discern whether the company would work well for you regarding policies, claims, and customer service.
Lastly, Freeway Insurance does not write its policies. After you speak with a company agent, other insurance companies underwrite the policy. So, while you may go to Freeway for your initial high-risk coverage, you may be surprised to learn which company you have for your auto insurance.
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Freeway Insurance Coverage Options
Freeway Insurance offers the standard types of auto insurance most companies provide, including:
- Liability auto insurance
- Collision auto insurance
- Comprehensive auto insurance
- Personal injury protection (PIP) insurance
- Uninsured and underinsured motorist insurance
- Medical payments
The company’s website says it offers additional coverage options, but these options vary based on where you live.
The add-ons for coverage available with Freeway auto insurance include:
- Gap insurance
- Rental car reimbursement
- SR-22 coverage
- New car replacement
- Non-owner auto insurance
- Classic car insurance
You cannot get Freeway insurance with no license, and you may need to provide proof of residency to enjoy lower rates in certain areas.
When you add coverage to your auto insurance policy, your insurance rates will go up, so ensure you want additional coverage before adding them to keep your rates low.
Other Freeway Insurance Products
Freeway offers additional coverage options outside of auto insurance. Some of the company’s more popular insurance options include:
- ATV
- Motorcycle
- RV
- Watercraft
- Snowmobile
- Homeowners
- Renters
- Life
- Health
- Identity theft protection
- Business
- Commercial auto
- Roadside assistance
Most insurance policy types listed above include standard coverage options and potential add-ons and discounts, depending on your unique situation and where you live.
Freeway offers multi-policy discounts, so if you’re interested in purchasing car insurance with the company, you may be able to get a discount if you also buy another form of insurance with the company, like Freeway home insurance coverage.
Freeway Insurance Availability by State
Freeway Insurance Company offers its car insurance coverage in most U.S. states. The only states that don’t provide Freeway Insurance are:
- Alaska
- Connecticut
- Delaware
- Hawaii
- Iowa
- Maine
- Minnesota
- Montana
- New Hampshire
- North Dakota
- Rhode Island
- South Dakota
- West Virginia
- Wyoming
Some of the states where Freeway operates consider Freeway to be one of the best insurance providers. For example, Freeway Insurance in Arizona — and especially Freeway Insurance in Phoenix, Arizona — is more popular than most of the big-name insurance providers most people know.
Freeway Insurance in San Jose, California, is similar in popularity, though the company has more competition in the area and throughout the state.
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Freeway Insurance Rates Breakdown
Freeway doesn’t post its company rates online. However, because the company offers high-risk coverage, it’s safe to assume you’ll pay higher-than-average rates for coverage with the company.
The national average for full-coverage auto insurance in the U.S. is around $1,655 annually or $138 per month. Minimum auto insurance coverage costs around $480 annually or $40 each month.
Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $61 | $160 |
 | $44 | $117 |
 | $53 | $139 |
 | $30 | $80 |
 | $68 | $174 |
 | $44 | $115 |
 | $39 | $105 |
 | $33 | $86 |
 | $37 | $99 |
| U.S. Average | $45 | $119 |
If you plan to purchase a minimum coverage policy with Freeway, your rates will likely be higher than $40 per month. However, company discounts could help you save on your monthly or annual rates.
Car insurance with Freeway varies in cost depending on several factors. Some of the most common factors that affect auto insurance rates are:
- Age
- Gender
- ZIP code
- Car make and model
- Marital status
- Occupation
- Credit score
- Driving history
- Coverage types
The table below shows average auto insurance rates based on the chosen coverage type.
Auto Insurance Monthly Rates by State & Coverage Type
State Liability Collision Comprehensive Full Coverage
Alabama $35 $27 $13 $75
Alaska $47 $30 $12 $89
Arizona $45 $23 $16 $84
Arkansas $34 $27 $16 $78
California $42 $34 $8 $84
Colorado $45 $24 $15 $85
Connecticut $57 $31 $11 $99
Delaware $67 $27 $10 $104
Florida $74 $24 $10 $108
Georgia $50 $28 $13 $91
Hawaii $39 $26 $9 $73
Idaho $31 $19 $10 $59
Illinois $38 $26 $11 $75
Indiana $33 $21 $10 $64
Iowa $26 $19 $16 $60
Kansas $30 $22 $20 $73
Kentucky $45 $23 $12 $80
Louisiana $68 $35 $18 $121
Maine $29 $22 $8 $60
Maryland $53 $30 $13 $95
Massachusetts $51 $33 $11 $95
Michigan $68 $35 $13 $116
Minnesota $38 $20 $15 $73
Mississippi $39 $27 $18 $84
Missouri $36 $23 $15 $75
Montana $33 $22 $19 $74
Nebraska $31 $20 $19 $71
Nevada $60 $26 $10 $95
New Hampshire $34 $25 $9 $68
New Jersey $75 $32 $11 $117
New Mexico $43 $23 $15 $80
New York $69 $33 $14 $115
North Carolina $30 $25 $11 $65
North Dakota $25 $21 $20 $65
Ohio $34 $23 $10 $67
Oklahoma $39 $27 $19 $85
Oregon $51 $19 $8 $78
Pennsylvania $42 $28 $12 $82
Rhode Island $66 $35 $11 $111
South Carolina $46 $22 $15 $84
South Dakota $26 $18 $22 $65
Tennessee $36 $26 $12 $74
Texas $46 $32 $17 $95
Utah $43 $22 $9 $74
Vermont $30 $25 $11 $66
Virginia $36 $24 $12 $72
Washington $51 $22 $9 $82
Washington, D.C. $55 $39 $19 $114
West Virginia $42 $28 $17 $87
Wisconsin $32 $19 $12 $62
Wyoming $28 $23 $21 $73
As you can see, additional coverage causes your Freeway auto insurance rates to increase. A full coverage policy with Freeway Insurance could cost more than twice as much as a liability-only policy.
While Freeway Insurance claims to offer the lowest possible auto insurance rates, you’ll never know who offers you the coverage you want at rates you can afford until you shop online and compare quotes from multiple companies.
However, Freeway mentions on its website that the company offers potential policyholders various discount opportunities to save money on coverage.
Freeway Insurance Discounts Available
Like many other insurers, Freeway Insurance understands that customers want and need to save money on coverage. So, Freeway offers several auto insurance discounts.
Some of the company’s most popular discounts on car insurance include:
- Anti-theft
- Good driver
- Student
- Multi-car
- Military
- Multi-policy
- Senior
- Customer loyalty
If you’re interested in getting Freeway insurance quotes, you can use the company website or call a representative. Ask if you qualify for any of the company’s discounts to lower your monthly insurance rates potentially.
How Freeway Insurance Ranks Among Providers
It’s hard to know how Freeway insurance rates will compare with other companies until you get a quote using your unique information. Take a look at some of the cheapest auto insurance options below to get a better idea of coverage rates based on different factors.
Freeway vs. Competitors: Cheapest Auto Insurance After an At-Fault Accident
If you have an at-fault accident on your record, your insurance rates will increase. Two or more accidents may change your status to high risk.
Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
| Insurance Company | Clean Record | One Accident |
|---|---|---|
 | $180 | $220 |
| $166 | $225 |
| $116 | $176 |
 | $119 | $97 |
| $140 | $198 |
| $95 | $132 |
| $177 | $234 |
| $140 | $161 |
| $120 | $186 |
| $105 | $150 |
 | $175 | $230 |
| $160 | $200 |
| U.S. Average | $123 | $172 |
Geico is the cheapest insurance on average for people with an at-fault accident on their record. The company offers coverage for $1,584 annually or $132 per month.
American Family rates are a bit more expensive than the average. With American Family, you will pay around $2,112 annually or $176 each month for coverage.
Liberty Mutual comes with the highest rates if you have an at-fault accident on your record. The company charges $2,808 annually or $234 per month for coverage.
Read more:
- American Family Auto Insurance Review
- Geico Auto Insurance Review
- Liberty Mutual Auto Insurance Review
Freeway vs. Competitors: Cheapest Auto Insurance After a DUI
If you need auto insurance for drivers with a DUI, you can expect your rates to increase as much as 5% to 100%.
DUI Full Coverage Auto Insurance Monthly Rates vs. Clean Record by Provider
| Insurance Company | Clean Record | One DUI |
|---|---|---|
| $86 | $240 |
| $160 | $225 |
| $117 | $176 |
| $97 | $166 |
| $139 | $198 |
| $80 | $132 |
| $174 | $234 |
| $115 | $161 |
| $105 | $186 |
| $86 | $202 |
| $112 | $250 |
| $99 | $239 |
| U.S. Average | $119 | $173 |
State Farm offers the cheapest auto insurance coverage for people with a DUI. With State Farm, you’ll pay $1,224 annually or $102 per month for car insurance. Geico comes in second, charging $1,584 annually or $132 each month for coverage.
The Hartford charges the most for car insurance if you have a DUI. You’ll pay $3,000 annually or $250 per month with The Hartford.
Read more:
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Finding Affordable High-Risk Coverage With Freeway Auto Insurance
If you’re a high-risk driver, you may want to consider an auto insurance policy with Freeway Insurance. Freeway offers car insurance throughout the U.S. and specializes in minimum coverage policies for nonstandard drivers.
If an insurance provider considers you high-risk, you will pay high premiums💰. You might have a hard time finding 🔎coverage. https://t.co/27f1xf131D has the information you need to lower your costs as much as possible. Check it out here👉: https://t.co/J52mqqaRQj pic.twitter.com/N2kOV5uYXY
— AutoInsurance.org (@AutoInsurance) September 27, 2023
Coverage with Freeway may be higher than average based on your driving record. Before you purchase coverage with Freeway, enter your ZIP code below to compare quotes from other companies in your area and ensure you’re not overpaying for high-risk coverage.
Frequently Asked Questions
What is Freeway Insurance?
Freeway Insurance is a well-known insurance provider that specializes in auto insurance coverage. They offer a range of policies tailored to meet the needs of different drivers and vehicles.
Is Freeway Insurance legit?
Yes, Freeway Insurance is a legitimate auto insurance broker and also offers other coverages like home and renters.
Is Freeway Insurance available in all states?
Freeway Insurance operates in multiple locations across the United States, but their coverage availability may vary by state. It is recommended to check their website or call Freeway insurance representatives directly to confirm if they offer coverage in your particular state.
What types of auto insurance coverage does Freeway Insurance offer?
Freeway Insurance provides various types of coverage, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, and personal injury protection (PIP).
How can I obtain a Freeway insurance auto quote?
You can visit their website or contact Freeway customer service. They will ask for information such as your personal details, vehicle information, driving history, and desired coverage options to provide you with an accurate quote.
What factors influence the price of Freeway Insurance?
Several factors affect the cost of auto insurance with Freeway, including your age, driving record, location, type of vehicle, coverage limits, and deductible amounts. Additionally, factors such as your credit history, annual mileage, and previous insurance coverage may also be taken into consideration.
Can I customize my auto insurance policy with Freeway Insurance?
Yes, Freeway Insurance allows you to customize your policy to some extent. You can choose the coverage options and limits that best suit your needs and budget. However, the extent of customization may vary depending on the specific offerings in your state.
What discounts are available with Freeway auto insurance?
Freeway auto insurance offers various discounts that can help you save on your premiums. Some common discounts include multi-vehicle discounts, safe driver discounts, good student discounts, multi-policy discounts (for bundling auto and home insurance), and discounts for certain safety features in your vehicle.
How can I file a claim with Freeway Insurance?
In the event of an accident or other covered incident, you can file a claim by calling Freeway insurance claims phone number. They will guide you through the process, ask for relevant information and documentation, and assist you in resolving the claim.
Can I manage my policy online with Freeway Insurance?
Yes, Freeway Insurance provides an online platform where policyholders can manage their policies. Through Freeway Insurance website or mobile app, you can make payments, update personal information, request policy changes, and access important documents related to your auto insurance policy.
How does Freeway insurance work?
Freeway is an insurance brokerage company that connects customers with various insurance providers to help them find insurance coverage.
Is Freeway insurance a scam?
Freeway Insurance is not a scam; it is a legitimate insurance brokerage firm that operates in multiple states across the United States.
Is Freeway insurance reliable?
Freeway Insurance has been operating for many years and is a well-established insurance brokerage firm. They work with reputable insurance providers to offer coverage options to their customers.
How much is Freeway insurance per month?
So, how much does Freeway insurance cost? The cost of insurance through Freeway varies depending on factors such as the type of coverage, your location, driving history, age, and the insurance provider they connect you with.
How good is Freeway insurance?
Freeway Insurance complaints typically related to issues with customer service or the claims handling process. It’s best to read customer reviews on Freeway Insurance customer to learn more before purchasing a policy.
How is Freeway insurance rated?
Freeway Insurance lack ratings from rating agencies like A.M. Best or J.D. Power. However, Freeway has earned an A+ rating from the BBB.
Is Freeway insurance cheap?
Whether Freeway Insurance is cheap depends on factors such as the type of coverage needed, driving history, and location. They work with multiple insurance providers, so they may be able to offer competitive rates.
Does Freeway insurance have full coverage?
Freeway offers a range of coverage options, including liability, comprehensive, collision, uninsured/underinsured motorist, which can be combined into a full coverage policy.
Can you get Freeway insurance for one month on a vehicle?
Freeway typically offers various policy term lengths, including monthly options. However, the availability of short-term policies may vary depending on your location and the insurance provider they connect you with.
How to download Freeway insurance app?
You can find the app by searching for “Freeway Insurance” in the app store on your mobile device. You can download it from there and follow the instructions to login to your Freeway insurance account.
Does Freeway offer health insurance?
Freeway Insurance primarily specializes in property and casualty insurance, such as auto, home, renters, and commercial insurance, which means that they do not provide health insurance.
What’s Freeway insurance cancellation policy?
Freeway’s cancellation policy may vary depending on the insurance provider they connect you with and the terms of your specific policy. Generally, you can cancel your insurance policy at any time, but you may be subject to certain fees or penalties.
How to pay my Freeway insurance online?
You cannot pay your Freeway insurance bill online because tje website doesn’t have an option for online payments.
Does Freeway offer SR-22 auto insurance?
Freeway offers nonstandard options like SR-22 coverage. Freeway insurance can also provide non-owner car insurance policies.
How to find Freeway insurance near me?
To find Freeway auto insurance locations near you, go directly to the Freeway Insurance website and use their office locator tool.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
S Clark
Freeway Insurance review
Guilbert
Becarful!!!!!
alliexo
Excellent For Cheap Fix
GT2
Awesome
Bossybeezy68
Pricey
UTSER
Cheap
bandit19
My Experience with the freeway!!!
flores1984
good