Freeway Car Insurance Review & Ratings (2023)

Freeway Insurance is a broker that works with numerous car insurance companies across the nation, such as Kemper, Progressive, and Safeco. However, as a broker, many third-party ratings companies don’t have information about Freeway.

UPDATED: Jan 20, 2023Fact Checked

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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...

Full Bio →

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...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jan 20, 2023

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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Jan 20, 2023

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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 20, 2023Fact Checked

The Bottom Line

Freeway Insurance uses underwriters to provide car insurance in every state. Because Freeway is an insurance broker, policies are written by top insurers, such as Progressive, Dairyland, Kemper, and Safeco.

Because it works with numerous insurers, drivers needing high-risk coverage, an SR-22, or who have poor credit may find affordable car insurance by going through Freeway. In addition, Freeway provides drivers with access to multiple coverage types. However, specific coverages, rates, and discounts vary by the underwriter.

Keep in mind that Freeway may charge a brokerage fee on top of quoted rates. Therefore, while some drivers who have difficulty finding coverage may benefit from Freeway Insurance, other drivers may forgo the convenience of multiple quotes to save the additional fees.

Looking at an insurance company’s ratings is a great way to tell if the company is stable and works well with customers. You need to know that your insurance company is dependable and will be there when you need it.

Is Freeway Insurance legit? Yes, Freeway is a legitimate company providing car insurance. However, since Freeway Insurance is a broker and not an insurance company, it’s not rated the same as other insurers.

Financial Ratings

A.M. Best rates companies based on financial stability. Unfortunately, the company has not rated Freeway, so there is no way to tell its financial strength. However, Freeway doesn’t pay claims. Your chosen insurer handles any claims filed.

Customer Complaint Ratings

The Better Business Bureau (BBB) rates companies on how well they interact with customers. Freeway Insurance received an A+ rating from the BBB. In addition, Freeway’s BBB customer review rating is 4.19/5. While this rating is encouraging, it’s worth keeping in mind that Freeway Insurance’s complaints revolve around billing and customer service.

Is Freeway Insurance a Good Choice?

Freeway Insurance doesn’t offer its own line of insurance. Instead, it’s a broker that works with various insurers to find affordable coverage. When you provide your personal information, such as age, driver’s license number, and vehicle, Freeway gathers quotes from its underwriters for you to choose the best fit.

Since Freeway works with so many brokers, drivers can find coverage countrywide. However, Freeway offices are only in 22 states. Drivers must work with the insurer for policy management, including available coverages, discounts, and renewals or cancellations.

As a broker, Freeway is rated differently than an individual insurer, so it can be difficult for drivers to determine the company’s stability. In addition, Freeway may charge a brokerage fee on top of quoted rates.

Keep reading our Freeway Insurance review to determine if the company meets your needs.

Freeway Insurance Services America, LLC. is a brokerage that uses various insurance companies to underwrite its policies, including Dairyland, Kemper, Progressive, and Safeco. Drivers in each state may find car insurance through Freeway’s underwriters, but only 22 states have company offices.

Drivers can get quotes in English or Spanish through the Freeway Insurance website or by calling customer service at 1-800-777-5620. Since Freeway works with a variety of insurers, drivers can find minimum and full coverage as well as SR-22 and high-risk policies.

However, Freeway may charge a brokerage fee above the quoted rates. These fees are typically non-refundable. So, if you cancel coverage, you don’t get a refund. In addition, once you get coverage through an insurer, all policy management must go through the insurer.

Specific coverages and discounts vary by insurer. Additionally, Freeway isn’t rated by many third-party organizations, such as A.M. Best and J.D. Power, so determining information about the company’s stability and customer service is challenging. However, Freeway’s underwriters are typically rated, so drivers can research the insurer they choose.

Freeway Insurance Rates

Because Freeway Insurance is a broker and not an insurance company, average car insurance rates aren’t available. However, since Freeway specializes in high-risk insurance, drivers can expect higher than average rates.

How do insurance companies determine premiums? Each car insurance company calculates rates differently, but they all typically use the same factors.

Factors that affect car insurance rates include:

  • Age. Young drivers have the highest car insurance rates since they lack the experience to avoid accidents. Typically, rates decrease as drivers age.
  • Driving record. Your driving record indicates whether or not you’re likely to cost an insurer money with claims. Drivers with accidents, tickets, and DUIs see much higher rates than drivers with clean records.
  • Coverage amount. Typically, the minimum coverage is the cheapest, but it only offers a little protection. Full coverage provides the most protection, but rates increase as you add coverage.
  • Vehicle. Expensive or new cars cost the most to insure since repairs or a replacement are costly. Older or more modest vehicles are cheaper to insure.
  • ZIP code. Drivers who live in areas with high crime and traffic see higher car insurance rates since their vehicles are more likely to be stolen or in an accident.
  • Credit score. Studies show that drivers with bad credit are more likely to file a claim and cannot pay for damages out of pocket. Therefore, car insurance for people with bad credit is more expensive.

While car insurance companies usually base rates on the same factors, how they weigh each factor differs. For example, one insurer may decide not to charge higher rates for your first speeding ticket, but another may raise your rates.

Is Freeway insurance cheap? That depends on each driver’s personal factors — rates vary widely by the driver.

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Freeway Insurance Discounts Available

Since Freeway is a broker, the available car insurance discounts depend on your chosen insurer. Each insurance company provides different discounts and savings, usually based on the driver, policy, and vehicle.

Car insurance discounts based on the driver include:

  • Safe driver
  • Good student
  • Away student
  • Defensive driving course
  • Organization membership

Policy discounts include:

  • Loyalty
  • Paid in full
  • Multi-car
  • Multi-policy
  • Paperless

Vehicle discounts include:

  • New car
  • Anti-theft
  • VIN etching
  • Green vehicle
  • Safety features

In addition, most drivers qualify for multiple discounts. So, many insurers allow you to bundle discounts for the most savings. However, some discounts only apply to a portion of your car insurance policy, not the entire cost. For example, anti-theft discounts only apply to your comprehensive coverage since it covers theft.

When comparing car insurance quotes, be sure to include discounts to find the most affordable car insurance available.

Freeway Insurance Coverage Options

Most states require drivers to carry at least a minimum amount of car insurance. However, coverages and limits vary by state. Since the Freeway Insurance agency works with insurers in each state, drivers can find at least the minimum amount of car insurance required in their state.

While requirements vary, some of the most common mandatory car insurance coverages include:

  • Liability. Most states require bodily injury liability and property damage liability, which pay for injuries and damages to others. You and your vehicle aren’t covered.
  • Uninsured/underinsured motorist (UM/UIM).  Some states require UM/UIM, which pays for your injuries and damages if a driver hits you with little or no car insurance.
  • Medical payments (MedPay). A few states require MedPay to help cover medical costs resulting from an accident, such as doctor visits and medications.
  • Personal injury protection (PIP). Similar to MedPay, PIP covers medical and associated costs, such as lost wages and childcare.

Other car insurance coverages include:

  • Collision. Collision pays for your vehicle’s damages from an accident, such as hitting a tree or another car.
  • Comprehensive. This coverage pays for vehicle damages unrelated to an accident, like theft, vandalism, and floods.
  • Gap. Guaranteed asset protection (gap) covers the difference between what you owe on your vehicle and its worth. Many lenders require gap coverage.
  • SR-22. Your state may require you to file an SR-22 form if you have DUIs, numerous at-fault accidents, or other serious driving convictions.

Drivers can find minimum coverage through Freeway, and they can also get full coverage car insurance. Full coverage typically consists of your mandated coverage plus collision and comprehensive. While full coverage costs more, you’re not left with high out-of-pocket expenses if your vehicle needs repair.

In addition, drivers can add coverages such as rental car reimbursement and roadside assistance. However, more coverage means higher car insurance rates.

Freeway Insurance vs. Competitors

Because Freeway uses various underwriters, it can be difficult to determine how it compares to other companies. Since Freeway is a good option for high-risk drivers, we’ll compare rates from some of the top car insurance companies in the country based on driving records. Take a look at how personal factors such as accidents and DUIs affect rates.

Car Insurance Rates Based on Accidents

Drivers with at-fault accidents on their driving records see higher car insurance rates since they are likely to cost an insurer money through claims.

Average Monthly Car Insurance Rates by Driving Records
Driving History SummaryAverage Monthly Car Insurance Rates
Clean Driving Record$260
With 1 Accident$342
With 1 Speeding Ticket$306
With 1 DUI$410
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This table shows how one accident raises your car insurance rates from top insurers.

While some car insurance companies offer accident forgiveness for your first at-fault accident, if you don’t have this coverage, rates typically increase significantly after an accident. A state may require rivers with multiple at-fault accidents to carry high-risk car insurance and file an SR-22.

Car Insurance Rates Based on DUIs

DUIs have a significant impact on car insurance rates. This is because a DUI on your driving record indicates you’re willing to take risks and can cost the insurer money in the future.

This table shows average monthly car insurance rates from top insurers after a DUI compared to a clean driving record.

Insurance CompanyAverage Monthly RatesAverage Rates After a DUIPercent Increase
Geico$179$406127%
Nationwide$229$37966%
State Farm$235$30329%
Progressive$283$33117%
Travelers$287$47867%
Farmers$288$39336%
Allstate$318$52264%
Liberty Mutual$398$63459%
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Although some insurance companies don’t raise rates astronomically, some charge around $100 a month more if you have a DUI. As with at-fault accidents, some states require drivers with a DUI to file an SR-22 and pay for high-risk car insurance.

Frequently Asked Questions

Where can you get Freeway car insurance?

Freeway auto insurance is available in every state since it works with insurers all across the nation. However, Freeway Insurance offices are only in 22 states.

What other types of insurance does Freeway offer?

In addition to car insurance, Freeway offers multiple insurance products, including motorcycle, RV, homeowners, life, and business insurance. Freeway also provides roadside assistance, windshield repair, auto loan refinancing, and tax preparation services.

Can you get full coverage car insurance with Freeway?

Yes, Freeway works with various insurers that offer multiple coverage options, including full coverage. Typically, full coverage includes your state’s mandated coverage, collision, and comprehensive. Although full coverage provides the most protection for your vehicle, rates are higher than for minimum coverage.

Can you get Freeway quotes online?

Yes, you can get a Freeway Insurance quote online. As a broker, Freeway uses personal information, such as age, driving record, and vehicle, to get quotes from multiple insurers. Freeway then presents you with quotes from its underwriters.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

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...

Full Bio →

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...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent Laura Walker

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