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Freedom National Insurance review 2022

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Kentaroo Tryman/Getty Images
mother teaching daughter how to drive a car
Kentaroo Tryman/Getty Images
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The Freedom National insurance company has been providing car insurance to drivers in the states of Arizona, California and Utah since 1999. Compared to other car insurance carriers, this auto insurance company offers a more standard list of coverage options for the standard driver, but also specializes in affordable options for new drivers and high-risk drivers.

Perks Drawbacks
Drivers can request a quote and purchase a policy 100% online Only available in Arizona, Utah and California
Drivers considered high-risk by other carriers may qualify for car insurance with Freedom National and be able to obtain SR-22 filing Freedom National is not rated by AM Best or Standard & Poor for financial stability or J.D. Power for customer satisfaction
Only offers car insurance — drivers are not able to bundle home and auto insurance for a potentially greater discount

With deep knowledge of its covered states’ required minimums, Freedom National could offer you a car insurance policy with coverage that can be tailored to your needs or preferences to properly protect your finances in case of an accident. Bankrate’s Freedom National Insurance review provides a more in-depth look at its available coverage and offers insight on the type of drivers it may be most beneficial for.

Freedom National car insurance | Bankrate Score: Not rated

One of factors that sets Freedom National car insurance apart from the competitors is its willingness to work with all types of drivers, including high-risk drivers. This could include drivers with at-fault accidents on their driving record, DUI convictions, lapses in insurance coverage, lower credit scores (applicable in Arizona and Utah), SR-22 filings or other traffic violations within the last five years. High-risk drivers can also obtain a SR-22 filing from Freedom National if required.

The car insurance coverage options for drivers who choose Freedom National appear to be fairly standard when compared to some of the best car insurance companies. This company offers standard minimum coverage policies that meet the state requirements in the three states it serves. Arizona, California and Utah all require drivers to carry at least a minimum amount of bodily injury and property damage liability coverage. As a no-fault state, Utah also requires at least $3,000 in personal injury protection.

In addition to the standard minimum coverage policies, drivers in all three states have the option to choose additional coverages with Freedom National. This includes collision and comprehensive coverage to insure their vehicle, as well as medical payments to insure themselves and any passengers. Other add-on coverage options with this provider include rental reimbursement, towing and uninsured/underinsured motorist protection.

Freedom National car insurance cost

The average car insurance rate data is not available for Freedom National. However, the national average cost of car insurance is $1,771 per year for full coverage auto policies. The annual rate for minimum coverage car insurance averages $545 per year nationwide. Knowing the average national rates could be a useful point of comparison when requesting car insurance quotes. This information may help you to better understand how your rates compare to the average rate paid by other drivers.

In addition to knowing the national average cost for car insurance, it may also help to be aware of your state’s averages as well. Knowing the state averages for car insurance may be useful for comparison purposes as you’re narrowing down the options.

However, it’s important to understand that car insurance rates tend to vary significantly by ZIP code, which means that residents across Arizona, and Utah all pay different car insurance rates for full coverage policies. This is especially true for drivers who have blemishes on their driving records, whether from speeding tickets, at-fault accidents or having young drivers listed on their policies.

National average annual full coverage premium Average annual cost of full coverage premium in Arizona Average annual cost of full coverage premium in California Average annual cost of full coverage premium in Utah
Clean driving history $1,771 $1,743 $2,190 $1,449
Speeding ticket conviction $2,138 $2,216 $2,966 $1,792
At-fault accident $2,521 $2,504 $3,626 $2,151
Adding a teen driver* $3,852 $4,119 $5,398 $3,568

*Teen rates reflect the cost of a male or female 16- or 17-year-old driver and their married parents on one full coverage car insurance policy.

Freedom National car insurance discounts

Freedom National does not list the available auto insurance discounts on its website. However, it may be helpful to know what some of the common discounts available at most car insurance carriers are. You can inquire about the availability of these types of discounts to help save on car insurance:

  • Pay-in-full: Many insurers offer discounts if you pay for your annual auto insurance policy in full at the time of enrollment.
  • Multi-car discount: By insuring multiple vehicles under your auto insurance policy, you may be given the opportunity to save on your monthly premium.
  • Safe driver discount: Drivers with a clean driving history may be able to save with discounts on their premiums.

Freedom National car services

Freedom National does not list any additional services for car insurance policyholders on its website.

Other Freedom National perks worth considering

Freedom National does not list any additional perks on its website.

Freedom National social responsibility

Freedom National does not list on its website or indicate that it takes part in any social responsibility initiatives.

Not sure if Freedom National is right for you? Consider these alternatives

  • Progressive: If you’re a high-risk driver who’s looking for a larger insurance carrier, Progressive may be worth a look.
  • Fred Loya: As another auto insurance carrier that’s friendly to high-risk drivers, Fred Loya may be another option to consider. However, it’s worth noting that this company does not write car insurance policies in Utah.
  • Geico: Geico specializes in offering unique car insurance discounts, which could help lower the cost of your car insurance premium if you qualify.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

Auto

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Written by
June Sham
Insurance Writer
June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies.
Edited by
Insurance Editor