Freeway Insurance review 2024

Our insurance editorial team, which includes licensed insurance agents, did a thorough Freeway Insurance insurance review to determine the scope of the company's offerings. 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 broker to work with. It’s also a good option 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 Auto, to sell auto insurance. In terms of coverage, Freeway works with providers that offer all the standard coverage types, as well as a few endorsements and SR-22 filings for high-risk drivers.

Pros and cons of Freeway Insurance car insurance

Before you purchase a car insurance policy through Freeway Insurance, it may be a good idea to consider the pros and cons of working with the broker company.

Like its auto insurance product, Freeway also does not underwrite its own home insurance policies. Instead, homeowners can contact Freeway to collect and compare home insurance quotes.

Policies include standard types of coverage, including dwelling insurance, personal property coverage and liability. Freeway doesn't list any optional endorsements that might be available, but talking to an agent should give you access to that information.

Pros and cons of Freeway Insurance homeowners insurance

Working with a broker for Freeway home insurance may be a good option for some, 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:

If you are looking for life insurance, Freeway advertises basic policy options for term life insurance and 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. Keep in mind that the cost of your policy will be directly related to the type of insurance you purchase, as well as your age, health and other factors, so you won't know if it's the cheapest life insurance company for your needs until you receive a quote.

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

Freeway Insurance vs. Geico

If you're looking for affordable coverage, Geico may be another option to consider. The company earned a place on Bankrate's list of the best car insurance companies, partly due to its low average rates, and it offers a generous handful of discounts that can lower your rate even more. Like Freeway, Geico does not underwrite its own homeowner or life insurance policies, but if you're looking for life insurance, it has more options than Freeway.

Learn more: Geico insurance review

Bankrate’s analysis of Freeway Insurance determined that working with 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 it may be more worthwhile to work directly with a company that issues its own coverage in some cases.

What are real-life customers saying about Freeway?

To round out our Freeway insurance review, our insurance editorial team looked at real-life reviews of the insurance broker from sites like Reddit and Trustpilot.

Reddit

Reddit insurance reviews tend to skew negative, and it’s no different for Freeway (although it’s a broker, not actually an insurance company). Many Reddit users expressed frustration with the company’s broker fees.

TrustPilot

Freeway reviews on Trustpilot are, as a whole, pretty positive. There are upward of 2,800 reviews on the site, with the average rating sitting at 4.6 out of a possible 5 stars. Many of the reviews praise individual customer service representatives for helping drivers secure policies, while others lauded the cheap quote premiums.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Freeway company details

• Customer service: (888) 443-4662
• Company website: www.freewayinsurance.com
• Mailing address: 7711 Center Ave #200, Huntington Beach, CA 92647

State availability

Freeway Insurance works with providers that offer insurance policies in all 50 states and Washington, D.C. However, exact product availability will depend on the company underwriting the policy.

Freeway Insurance tools and benefits

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.
• Mexican auto insurance: If you're traveling south of the border, Freeway can help you stay covered with this policy addition.
• Tire hazard protection plan: This protection plan covers up to $65 in repairs for each tire, offered as part of the Travel Club membership.
• Roadside assistance: At $64 for a six-month plan or $109 for a 12-month plan, this perk can give you 24-hour emergency towing service, tire service and more for when you break down on the road.
• Knowledge Center: Freeway's Knowledge Center offers a range of articles to help you better understand your insurance products.

Frequently asked questions about Freeway Insurance

Bankrate utilizes Quadrant Information Services to analyze July 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region.

Auto

Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $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 base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (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.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

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

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Homeowners

Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

• Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.