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Freeway Insurance review 2023
At a glance
About Bankrate Score
Freeway Insurance may be a smart, affordable option for high-risk drivers and drivers looking for cheap car insurance coverage. In addition to car insurance coverage, Freeway offers other perks, like tax preparation services and a paintless dent repair plan. However, the company doesn’t underwrite its policies.
Good variety of insurance products available
Policies sold in all 50 states
Advertises affordable car insurance
Unique non-insurance plans
Few third-party ratings
Local agents are not available in all states
Does not underwrite its own policies
Freeway Insurance car insurance
Based on our evaluation, Freeway auto insurance is a pretty good option for car insurance. The company advertises low-cost car insurance for drivers in all 50 states, so if you are in the market for cheap coverage, Freeway might be a great provider for you. It’s also a good choice for drivers who have a poor driving record, low credit score or DUI history.
However, Freeway does not underwrite its own car insurance policies. It partners with reputable companies, like Dairyland, Progressive and Kemper, to sell auto insurance. In terms of coverage, Freeway offers all the standard coverage, as well as a few endorsements, like new car replacement coverage, gap insurance and SR-22 insurance for high-risk drivers. There are also several discounts available to help you get a lower rate.
Pros and cons of Freeway Insurance car insurance
Before you purchase a car insurance policy from Freeway Insurance, it may be a good idea to consider the pros and cons of insuring your vehicle with this company.
Policies sold in all 50 states
Advertises affordable premiums
Offers SR-22s to high-risk drivers
Variety of add-on coverages available
Freeway doesn’t underwrite its own policies
Fewer discounts than competitors
Local offices are not in every city
Freeway Insurance car insurance cost
The information regarding the average cost of Freeway car insurance is not available. That said, car insurance rates are unique to each driver. Your insurance premium may be impacted by numerous personal factors, including your insurance company, your age, credit score (in some states), driving record, claim history and gender. You can request a free quote on Freeway’s website to see how much you will pay based on your situation.
Freeway Insurance car insurance discounts
Freeway Insurance offers a handful of discounts that could help you get cheaper car insurance. However, the discounts available to you may depend on the company that underwrites your policy. Here are some discounts that Freeway offers through its partner companies, which could help you save money on auto insurance:Students who get good grades in school, or maintain a minimum GPA, can potentially save money on their policy.Military personnel can often qualify for a discount through one of Freeway’s insurance partners.If you are retired, ask Freeway about a car insurance discount for mature/retired drivers.
Freeway Insurance car tools and benefits
Freeway offers a few non-insurance car services, including car registration renewals, a tire hazard protection plan, a paintless dent repair plan and auto loan refinancing.
Freeway Insurance home insurance
Freeway Insurance home insurance is available through Hippo, a property insurance company that operates entirely online. Since Freeway does not underwrite its home insurance policies, it may not be the top choice for homeowners who are shopping for insurance. You can get a quote online and get matched with a provider based on your location and coverage needs.
Pros and cons of Freeway Insurance homeowners insurance
Freeway Insurance may be a good option for some homeowners, but there are also a few downsides that you may want to consider. Here are some of the pros and cons of Freeway homeowners insurance:
Easy to get a quote and buy coverage online
24/7 customer service through Hippo
Policies are issued by Hippo
Not available in every state
Freeway Insurance home insurance cost
The average cost of a Freeway home insurance policy isn’t available. The higher your coverage limits are, the more expensive your premium will be. Other factors that can impact your home insurance premium include your insurance company, age, ZIP code, credit score and insurance claim history.
Freeway Insurance home insurance discounts
Because Freeway does not underwrite its own home insurance policies, the company does not advertise any discounts on its website. When you obtain a quote and get matched with a provider, you may be able to take advantage of the discounts offered through that specific company, if any are offered.
Freeway Insurance home tools and benefits
Freeway does not advertise any other home tools or benefits. In addition to homeowners insurance, renters and landlord insurance are also available.
Freeway Insurance life insurance
If you are looking for life insurance, Freeway offers very basic policies. Through Freeway, you can purchase term life insurance or whole life insurance. However, the company does not mention which providers underwrite the policies or what coverage limits are available. Depending on your coverage needs, it may make sense to explore coverage from a life insurance company that underwrites its own policies.
Pros and cons of Freeway Insurance life insurance
Term and whole life policies available
Offers online quotes
No endorsements advertised
No coverage limits mentioned online
Policies are not underwritten by Freeway
Freeway Insurance life insurance endorsements
Freeway does not advertise any life insurance endorsements on its website. When you get a quote and get matched with a provider, you can ask if that company sells any riders for additional protection.
Freeway Insurance life tools and benefits
Freeway does not provide any life insurance-related services, such as estate planning.
Freeway Insurance customer satisfaction
When comparing insurance companies, it’s important to look at third-party ratings for customer satisfaction, claim satisfaction and customer complaints. J.D. Power and the National Association of Insurance Commissioners (NAIC) are two of the biggest third-party organizations that score insurance companies based on feedback from real customers. These ratings can help you determine what current policyholders think of the company and how satisfied they are.
Freeway Insurance auto claims
Freeway is not rated by J.D. Power for auto claims satisfaction, and it doesn't have a customer complaint score from the NAIC.
Freeway Insurance homeowners claims
Freeway is not rated by J.D. Power for home insurance claims satisfaction, and it doesn't have a customer complaint score from the NAIC.
How to file a claim with Freeway Insurance
If you need to file a claim with Freeway Insurance, you can call the company’s customer service department at (888) 443-4662 or email firstname.lastname@example.org. If you work with an agent at a local Freeway Insurance office, you can also call the agent directly to start the claim process.
When filing the claim, you may be asked to submit information that details the event, including the circumstances in which the accident occurred and the extent of the damages and/or injuries. The claims agent may also walk you through what your policy covers related to the accident.
Freeway Insurance availability
Freeway Insurance sells insurance policies in all 50 states and Washington D.C. However, certain types of policies, like life insurance coverage, may only be available in select states. However, the availability will likely depend on the company underwriting the policy.
Other Freeway Insurance perks worth considering
One of the best features of Freeway is that the company offers unique plans, programs and policies that you might not find from another provider. Here are some of the perks of this company that are worth considering:
- Tax preparation services: Freeway Insurance partners with TaxMax to provide tax preparation services, and you do not need to be an insurance customer to get access. According to the company, if you are eligible for a tax refund, you can get a cash advance for up to $6,000 within 24 hours.
- Telehealth insurance: Through Freeway, you can purchase telehealth insurance, which gives you 24/7 access to virtual healthcare providers.
- Paintless dent repair plan: You can purchase a paintless dent repair plan through the Travel Club membership. This will cover the cost of fixing small dents or dings so your car’s resale value is not impacted.
- Windshield repair plan: Freeway sells a windshield repair plan that covers the cost of repairing windshield cracks.
Freeway Insurance corporate sustainability
Freeway Insurance is strongly committed to social responsibility and charitable giving. Employees and agents are involved with organizations like Toys for Tots, the Insurance Industry Charitable Foundation (IICF), Read Conmigo and more. Many of the groups that Freeway works with are heavily involved in crisis relief, community safety and youth development.
Not sure if Freeway Insurance is right for you?
If you are still deciding whether Freeway is a good insurance provider for your needs, you might also consider one of the following insurance companies:
Freeway Insurance vs. Safety Insurance
Safety Insurance is an insurance provider that specializes in high-risk auto insurance. The company sells car insurance and homeowners insurance, with packages that provide different types of coverage based on the amount of protection you need. Like Freeway, Safety Insurance does not typically receive third-party ratings for customer satisfaction or claim satisfaction. To purchase any policy with Safety, you must live in Massachusetts, Maine or New Hampshire.
Learn more: Safety Insurance review
Freeway Insurance vs. Encompass
If you are in the market for home and auto insurance, it may be worthwhile to consider Encompass’ EncompassOne policy. There are three tiers of coverage available, and it’s possible to bundle home and auto insurance under a single policy, which could result in savings. Encompass also offers other types of policies, like renters insurance and umbrella insurance. Encompass sells coverage in most states and has a network of 2,600 independent agents.
Learn more: Encompass Insurance review
Is Freeway Insurance a good insurance company?
Bankrate’s analysis of Freeway Insurance determined that Freeway may be a good option for some people, but whether it’s the right fit depends on the type of coverage you want. Its auto insurance options may be appealing to high-risk drivers who need an SR-22, and Freeway also offers a few unique non-insurance programs, like paintless dent repair plan and windshield repair plan. However, Freeway doesn’t underwrite its own auto, home or life insurance policies, so in some cases, you might be better off choosing a company that issues its own coverage.4612220.7K1.2MOn This Page