Freeway Auto Insurance Reviews

Key Points:

• Freeway Insurance offers affordable insurance options for high-risk drivers with prior tickets, accidents, or other violations.
• Customers give Freeway Insurance mostly positive feedback, though complaints highlight issues with the company’s prices.
• Freeway has a strong industry reputation and nationwide availability.

Freeway Insurance reviews are largely positive, and it touts itself as a provider of cheap insurance products for families nationwide. When it comes to its auto insurance coverage, Freeway’s target audience is drivers who have difficulty obtaining insurance due to poor driving records.

As an insurance broker, Freeway Insurance partners with insurance administrators to secure coverage for high-risk drivers, serving a niche market with coverage that may be cheaper than plans from the industry’s top car insurance providers. Read on to find out whether Freeway auto insurance is right for you.

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Freeway Insurance Review

Freeway Insurance has a strong industry reputation and offers flexible and affordable coverage for drivers with a less-than-perfect driving history. However, the company has some drawbacks, which we highlight below.

Pros And Cons Of Freeway Insurance

Freeway Insurance Rating

Freeway Insurance coverage has excellent availability, and the company also scored well in our cost category thanks to its affordable rates for high-risk drivers. See how Freeway scored in all of our insurance rating categories below:

*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.

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About Freeway Insurance

Freeway Insurance, an insurance brokerage in the Confie family of companies, is headquartered in Huntington Beach, California. According to its website, it’s the largest privately held insurance distribution company in the United States. Freeway specializes in providing mandatory minimum auto insurance coverage for high-risk drivers, including personal injury protection in the states where personal injury protection (PIP) is required. In addition to personal and commercial auto insurance, Freeway provides a full suite of insurance products.

One of Freeway’s core values is civic responsibility, making it a good choice for consumers who value community contributions. Freeway partners with multiple charitable foundations, including Toys for Tots, a nonprofit that provides toys to economically disadvantaged children during the holidays.

Insurance For High-Risk Drivers

Freeway car insurance specializes in coverage for drivers with poor driving records, including those with the following:

• Suspended license
• Multiple accidents
• Multiple recent moving violations
• DUI convictions, arrests, or citations
• Those who’ve been involved in an accident without insurance
• Poor credit or a recent bankruptcy
• Reckless driving citations

It’s important to note that those with good driving records can also find coverage with Freeway auto insurance.

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Freeway Auto Insurance Cost

Freeway Insurance doesn’t share cost information on its website. According to Freeway Insurance reviews, the cost of coverage from this provider is standard. The price of car insurance varies depending on many personal factors such as:

• The year, make, and model of your vehicle
• Your driving history
• Where you live
• How you use your vehicle
• Your safe driving habits
• The discounts you qualify for
• And more

Fitting one or more high-risk categories can increase your car insurance costs significantly. Here’s a look at how some of the top providers nationwide adjust their rates for drivers with different risk factors, based on the profile of an unmarried 35-year-old with a 2020 Honda CR-V:

Average Annual Cost for Full Coverage

*California, Hawaii, Massachusetts, and Michigan ban the use of credit as a determining factor in calculating insurance rates. 

Insurance Discounts

When compared to industry leaders like State Farm, Progressive, and Geico, Freeway auto insurance doesn’t have many options for discounts. That being said, you can still find the following discounts, which could have a big impact on your premium.

• Good driver discount
• Student discount
• Military discount
• Multi-policy discount
• Multi-car discount
• Defensive driver training discount
• Autopay discount
• Anti-theft device discount

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Freeway Auto Insurance Coverage

Freeway offers traditional insurance coverage, including liability, which meets most state minimum coverage requirements. The company also offers collision coverage and comprehensive coverage, which offer better protection against various types of vehicle damage. You can also opt for rental car reimbursement and gap insurance, which helps you pay off the balance of your loan if your vehicle is declared a total loss.

Full coverage is available from Freeway. However, high-risk drivers may only be looking for the minimum coverage necessary to drive legally in their state.

How Much Coverage Do You Need?

High-risk drivers may be tempted to only purchase mandatory minimum coverage. While that is an option, we always recommend covering your bases, as costs from accidents can quickly add up. Medical bills, in particular, can escalate to hundreds of thousands of dollars after a severe accident.

In Arizona, for example, the bodily injury liability state minimum is $25,000 of coverage per accident. If you’re at fault in an accident in which the other driver or their passengers require surgery or substantial rehabilitation treatment, you would be personally responsible for any medical costs that exceed $25,000 with just minimum coverage.

SR-22 Coverage

An advantage of Freeway car insurance is that drivers can get coverage after a DUI. When a driver gets a DUI or other serious infraction, the state Department of Motor Vehicles may require a document known as an SR-22. This is a legal document, sometimes known as a financial responsibility filing, that proves the driver has the minimum insurance requirements.

If you’re found at-fault for an accident without insurance, you may be required to have SR-22 on file with your state’s DMV for three years, while a DUI conviction calls for five years. Not all insurance providers offer coverage to high-risk drivers and some don’t issue SR-22s, but Freeway auto insurance is available to high-risk drivers in all 50 states.

Other Freeway Insurance Products

Freeway offers a variety of insurance services outside of auto insurance policies for private passenger and specialty vehicles like ATVs and snowmobiles. The company also offers property insurance, including renters insurance, mobile home insurance, and traditional homeowner’s insurance. 

Personal protection insurance products available from Freeway include life insurance, telemedicine coverage, pet insurance, and health and dental coverage. 

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Freeway Auto Insurance Quotes

Perhaps due to the complicated driving histories of many Freeway auto insurance customers, the insurance agency doesn’t offer online quotes. After submitting your personal information on the Freeway Insurance website, you will receive a call from an insurance agent to discuss your options for coverage.

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How To Save On Freeway Auto Insurance

Drivers with a good credit score and a clean driving record typically qualify for the best rates when it comes to car insurance. However, even policyholders with a history of accidents, tickets, or other violations can take a few steps to save on car insurance coverage:

Be Aware Of Fees

Because Freeway car insurance caters to high-risk drivers, a down payment is sometimes required to start a new policy. This would be in addition to your normal monthly payment for the first month. Because Freeway is a broker, your down payment may also include a brokerage fee. If you’re having trouble finding insurance due to being a high-risk driver, the fees that come with Freeway auto insurance might be worth the cost, but make sure to ask about fees up front. 

Shop By Coverage, Not Budget

If you opt for a Freeway car insurance quote, we recommend making a decision on the level of coverage you want before speaking to a representative–rather than starting with a budget dollar amount. Some consumers have reported that Freeway agents maximized coverage for a budget rather than finding the best blend of cost and coverage.

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Freeway Auto Insurance Customer Reviews

Freeway Insurance has an A+ rating and accreditation with the Better Business Bureau (BBB). Around 420 customer reviews on the BBB website averaged an overall rating of 4.25 out of 5.0 stars. Positive reviews mention fast, efficient service and affordable rates. They also mention that Freeway was able to offer them coverage when other providers wouldn’t. 

Like most auto insurance companies, the provider has its share of customer complaints.

Insurance is typically something you buy infrequently and then forget about, and the inherent stress of filing a claim leads to higher-than-average criticisms, even for leading providers. Customer complaints on the BBB cite confusion over up-front costs and ongoing monthly payments, as well as difficulty contacting the company.

If you purchase a Freeway car insurance policy, we recommend reviewing your contract in detail and asking clear questions when speaking to a representative.

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Freeway Auto Insurance Review: Our Take

Freeway can provide cheap car insurance coverage for high-risk drivers. If you fall into that category, we think getting a quote is worth it. While there aren’t brick-and-mortar offices in every town, Freeway offers nationwide coverage, and drivers can sign up via phone or online. Do your homework on what to expect, and be ready to discuss fees and coverage limits before you contact Freeway.

Top Recommendations For Car Insurance

We reviewed dozens of insurance providers across the industry for coverage options, policy costs, customer satisfaction, and other key factors. Progressive and State Farm emerged as two of the best car insurance companies to work with.

Progressive

Progressive is known for Flo and the Name Your Price^® comparison tool, but the provider also offers some of the best coverage on the market. The company has an A+ rating from AM Best for financial stability, and it wrote over $48 billion in premiums in 2023, according to the National Association of Insurance Commissioners (NAIC). . 

In addition to standard coverages, you can get roadside assistance, loan/lease payoff, rental reimbursement, and custom parts and equipment coverage. Progressive also offers unique discounts and opportunities to bundle different insurance policies for extra savings.

To get more information, read our full Progressive insurance review.

State Farm

State Farm is a great choice for shoppers looking for dependable, well-rounded coverage options. The State Farm business model relies heavily on community-based agents who provide in-person, on-demand customer service and are able walk you through any claims.

State Farm is the largest car insurance provider in the nation, according to the NAIC, with a market share of more than 18 percent in 2023. You can find great discounts with State Farm, including student discounts and discounts for remaining accident-free or taking defensive driving courses. 

To learn more about the company’s coverage, read our State Farm insurance review.

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FAQ: Freeway Auto Insurance

Below are some common questions about Freeway auto insurance: 

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How We Rated Freeway Auto Insurance:

Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:

• Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
• Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
• Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
• Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
• Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
• Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.

*Data accurate at time of publication.

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