Freedom National Car Insurance Review & Ratings (2022)

Freedom National Insurance operates only in California, Arizona, Georgia, and Utah and aims to provide cheap, high-quality car insurance accessible for every driver. The company is experienced working with drivers with poor driving records, so even high-risk individuals can buy Freedom National car insurance at a reasonable rate. Unfortunately, Freedom National car insurance rates are not publicly available.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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Company Details
Address: PO Box 7820
City: Newport Beach
State: California
ZIP Code: 92658
Phone Number: (888) 542-4222
Year Founded: 1999
AM Best Rating: Not rated

Freedom National Insurance is a privately held company that sells car insurance in Arizona, California, Georgia, and Utah.

This company works with people with poor driving records, DUIs, speeding tickets, and other citations. So higher-risk individuals, even people in need of SR-22 coverage, can request Freedom National car insurance quotes.

Keep reading this Freedom National car insurance review to learn what types of insurance coverages this company offers, what discounts you can earn, and determine if Freedom National is the right company for you.

After reading about affordable Freedom National car insurance, remember to enter your ZIP code into our free quote comparison tool above to receive rates from the top companies in your region.

What is Freedom National insurance company?

Freedom National, an independent company, sells car insurance to people with all types of driving records in four states: Arizona, California, Georgia, and Utah.

However, in California, the company is registered as Freedom General Insurance Services.

At this time, there is no Freedom National insurance mobile app for customers. However, you can access a customer account through the company website. After securing a policy, new customers create Freedom National insurance logins on the website.

Freedom National sells traditional coverage considered the car insurance basics. This includes liability insurance, uninsured motorist insurance, comprehensive coverage, and collision coverage. The website also mentions medical payments (MedPay) and personal injury protection (PIP) insurance.

For optional policy add-ons, the company lists towing and rental reimbursement and roadside assistance packages.

Freedom National also offers guaranteed asset protection (GAP) insurance. However, coverage availability and pricing may vary by state.

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What are the average Freedom National car insurance rates?

Unfortunately, at this time, Freedom National car insurance rates are not made publicly available. However, the company claims to provide the cheapest possible rates to drivers whenever possible. But we do know the average cost of car insurance nationally and in the four states where Freedom National operates.

So if you do request a quote, you can compare the price to the average rates where you live.

According to the National Association of Insurance Commissioners (NAIC), the national average cost of car insurance in 2018 was $1,190 per year or $99.16 per month. In the table below, compare the average cost of car insurance in the four states where Freedom National operates.

Average Annual Car Insurance Rates by State
StateAverage Annual Car Insurance Rates
Arizona$3,810.03
California$3,689.62
Georgia$4,966.83
Utah$3,602.23
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In reality, many different factors impact your car insurance costs. Your ZIP code, local laws where you live, driving record, age, and even the type of car you own all affect your annual rates. To secure your lowest possible prices without compromising your coverage needs, compare car insurance online from multiple companies.

How do you get Freedom National car insurance quotes?

To buy Freedom National car insurance, you must request a quote through the company website or call the Freedom National insurance phone number for customer service. You can also send an email inquiry. Note that with this company, the agents are referred to as producers.

Once your policy is issued, you will receive an email with further instructions about setting up your online account. Plus, you get printable identification cards, and the company also mails you a physical copy.

How do you file a Freedom National car insurance claim?

To file a Freedom National car insurance claim, you must contact the correct claims office by phone or submit an online form. Unfortunately, this company is smaller and does not offer a mobile app with a claims department.

The claim department number you call depends on your policy number. There are four different departments.

On the same page as the claims department phone numbers, the company also provides you with a comprehensive checklist of information to collect to help you successfully and efficiently file your claim. Note that if anyone was injured, the company might assign a second claims adjuster to the bodily injury portion of your claim. For this reason, you may need to communicate with multiple company representatives when submitting a claim.

While the company states that the claims process moves quickly, it gives no specific timelines or turnaround estimations. However, it does encourage you to follow up with your adjustor if there is a delay in the process.

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Does Freedom National offer car insurance discounts?

Freedom National does not advertise any car insurance discounts on the company website.

However, this does not necessarily mean the company does not provide deals to customers.

For example, the website claims a good driver discount is available at least in Arizona, Georgia, and Utah. The website also refers to a multi-car discount but does not detail the qualification rules or rate reduction amounts. Ultimately, to find out what discounts may be available to you through Freedom National, you must request a quote from the company.

What other insurance products does Freedom National sell?

At this time, Freedom National does not sell any additional insurance products besides car insurance policies.

Instead, the company provides cheap coverage for higher-risk drivers and people needing SR-22 insurance.

However, the company does sell some optional car insurance policy add-ons, as previously mentioned.

What are the Freedom National insurance ratings and reviews?

Evaluating an insurance company’s financial scores and customer reviews helps you determine if the company is reliable and efficient before committing to a policy. However, this company is relatively small, so there aren’t any ​​Freedom National insurance reviews from the leading credit rating agencies, like A.M. Best, S&P Global, or Moody’s.

But when it comes to customer experiences, this company is accredited by the Better Business Bureau and earned an A+ rating. The Freedom National website also includes a section of customer reviews from TrustSpot. Out of 918 reviews, Freedom National received a 9.49 TrustScore out of a possible 10. Overall, Freedom National customers like the affordable rates and fast service.

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How do you cancel Freedom National insurance?

You can cancel your Freedom National insurance policy at any time. Simply contact a company representative, and they’ll walk you through the process.

If any excess premium remains, it is refunded to you promptly.

However, if you miss a payment, the company mails you a cancellation notice.

You must pay your bill before the date listed on your notice, or your coverage is terminated with no grace period, depending on state laws.

What is the history of Freedom National insurance?

Founded in 1999, Freedom National is a privately held company headquartered in Newport Beach, California. The current president and CEO of Freedom National Insurance Services, Inc. is Bijan Abdi. The company itself is small, with only 11 to 50 employees in total.

Currently, Freedom National sells car insurance policies in four states, with no plans to expand at any point in the future. It focuses on providing high-quality, affordable car insurance policies to every driver, including people other companies consider too high risk.

Freedom National Insurance: The Bottom Line

Freedom National Insurance Services Inc. is a small company that offers no-frills policies to almost any type of driver. However, there is no mobile app for customers, or many stackable car insurance discounts like other larger companies offer. Safe drivers may have better luck earning cheaper rates with more coverage options from some of the other best insurance companies.

However, Freedom National does sell policies to high-risk individuals.

So if you live in one of the states where Freedom National operates and you’ve struggled to secure affordable car insurance from other traditional companies, consider requesting a quote.

Now that you’re a Freedom National car insurance company expert, secure your best coverage by entering your ZIP code into our free rate tool below and immediately receive quotes from the top companies near you.

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