Freeway Insurance Review

Freeway Insurance offers lots different insurance policies, but they are most well-known for their auto insurance plans. This review covers everything you need to know about Freeway car insurance including the products they offer and the typical rates.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 20, 2022

Advertiser Disclosure

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.

Things to Remember

  • Freeway Insurance offers auto, home, renters, life, health, and many other insurance types throughout the U.S.
  • Freeway’s company website says its auto insurance rates are cheaper than other insurance providers
  • Policyholders can enjoy specific discounts with Freeway Insurance

If you’re looking for car insurance, you should consider Freeway Insurance. Though the company doesn’t operate in every state in the U.S., it can sell policies in most states and areas of the country.

While Freeway offers home, renters, life, health, and other insurance types, the company is well-known for its auto insurance products. The company says its rates are lower than other competitors, though it doesn’t specify if this applies to a liability-only car insurance policy. You would have to compare auto liability insurance rates directly to know for sure.

What kinds of auto insurance does Freeway offer?

Freeway Insurance offers the standard types of auto insurance most companies provide, including:

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:

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 coverages before adding them to keep your rates low.

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How much is Freeway car insurance?

Car insurance with Freeway varies in cost depending on several factors. Some of the most common factors that affect car insurance rates:

  • 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 Rates of Coverage Types by State
StatesAverage Annual Liability RatesAverage Annual Collision RatesAverage Annual Comprehensive RatesAverage Annual Full Coverage Rates
Alabama$417$323$158$898
Alaska$567$361$140$1,069
Arizona$543$281$189$1,013
Arkansas$412$328$197$937
California$504$402$99$1,004
Colorado$542$289$185$1,017
Connecticut$685$374$132$1,191
Delaware$808$319$122$1,248
District of Columbia$663$471$231$1,364
Florida$885$288$119$1,293
Georgia$597$341$160$1,097
Hawaii$462$315$102$878
Idaho$368$222$118$708
Illinois$460$308$127$895
Indiana$393$252$122$767
Iowa$310$223$188$721
Kansas$365$263$244$873
Kentucky$541$273$141$956
Louisiana$814$421$217$1,451
Maine$353$267$101$721
Maryland$633$357$154$1,145
Massachusetts$612$392$136$1,141
Michigan$816$420$152$1,388
Minnesota$461$234$185$881
Mississippi$471$328$210$1,010
Missouri$436$278$183$897
Montana$400$266$225$891
Nebraska$377$240$229$846
Nevada$716$308$115$1,139
New Hampshire$406$300$109$816
New Jersey$896$383$127$1,405
New Mexico$510$279$175$964
New York$823$393$169$1,384
North Carolina$359$295$127$781
North Dakota$296$249$237$782
Ohio$406$273$121$800
Oklahoma$470$318$227$1,014
Oregon$609$230$93$932
Pennsylvania$509$331$146$986
Rhode Island$790$415$131$1,337
South Carolina$554$269$182$1,005
South Dakota$306$215$264$785
Tennessee$427$314$148$889
Texas$550$380$207$1,137
Utah$510$269$112$891
Vermont$357$303$131$791
Virginia$437$284$139$859
Washington$610$268$108$985
West Virginia$508$332$204$1,045
Wisconsin$381$227$138$747
Wyoming$341$277$253$871
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As you can see, additional coverage causes your auto insurance rates to increase. A full-coverage policy with an insurance company like Freeway 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.

What discounts does Freeway offer for car insurance?

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 a quote with Freeway Insurance, 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.

What other insurance products does Freeway offer?

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 homeowners coverage.

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Where is Freeway Insurance available?

Freeway Insurance offers its car insurance coverage in most U.S. states. The only states that do not 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 — 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.

How can I make Freeway Insurance claims?

The easiest way to make a Freeway Insurance claim is to call the company and speak with a representative.

Currently, Freeway Insurance doesn’t have an app allowing policyholders to make claims from their smartphones, and it doesn’t let customers file claims from its company website.

Some Freeway Insurance reviews mention this as a downside of the company since most policyholders enjoy filing a claim online rather than speaking to a representative on the phone.

Freeway Insurance: The Bottom Line

Freeway Insurance offers several different insurance products, like home, life, health, and renters insurance. However, the company is most well-known for its auto insurance coverage options, that’s why the Freeway Insurance logo looks like a road.

If you’re looking for car insurance, you may want to consider a policy with Freeway. The company doesn’t operate in all states, but it claims its auto insurance rates are the cheapest you’ll find.

Freeway offers auto insurance discounts and the standard car insurance coverage you may want. You can call the company to get more product information or use the company’s website to get quotes on insurance coverage.

Free Auto Insurance Comparison

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