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Freeway Insurance review

Updated Nov 15, 2022
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Freeway Insurance is available nationwide, which makes it an easily accessible option. However, the company doesn’t underwrite its own policies and isn’t rated by leading third-party organizations for customer service or financial strength.

Pros

  • Variety of insurance products offered
  • Coverage is available nationwide
  • Strong corporate social responsibility program
  • Insurance network makes it easy to get quotes from multiple providers

Cons

  • Some states do not have in-person agents
  • Limited online payment and policy management capabilities
  • Not rated by many third-party organizations
  • Does not underwrite any of its own policies
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Freeway Insurance is a decent insurance provider overall. The company does not underwrite any of its own policies, which is something to consider. In addition, the company does not have many third-party ratings from leading organizations, like J.D. Power or AM Best, so it’s difficult to gauge the company’s customer satisfaction and financial strength. However, we were impressed by Freeway’s unique non-insurance programs and plans.

Freeway Insurance is not the most well-known insurance provider. It’s part of the Confie family of companies, which is the largest personal line insurance distributor in the U.S. Freeway sells a wide variety of insurance products in all 50 states, and has some unique offerings, like telemedicine insurance, car registration renewal services and tire hazard protection plans.

Unlike some other insurance providers, Freeway does not have eligibility requirements. However, the company prides itself on catering to the Hispanic community. Many Freeway Insurance field offices are located in predominantly Hispanic areas, and 70% of Freeway agents are multilingual, with most speaking English and Spanish.

Freeway 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 coverages, Freeway offers all the standard coverages, 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.

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Freeway car insurance cost

The information regarding the average cost of Freeway car insurance is not available. However, the national average cost of car insurance in the United States is $1,655 per year for a full coverage policy and $480 per year for a minimum coverage policy. 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. The table below highlights the average annual cost of car insurance for different types of drivers:

Freeway car insurance discounts

Drivers can take advantage of several car insurance discounts through Freeway. However, the discounts you can qualify for might depend on the provider that underwrites your policy. Here are some of the discounts you can get through Freeway:

Freeway car services

In addition to traditional car insurance policies, Freeway also offers several non-insurance car services, including car registration renewals, a tire hazard protection plan, a paintless dent repair plan and auto loan refinancing.

Freeway home insurance

Freeway sells homeowners insurance through other insurance companies, like Hippo, so it does not underwrite its own policies, which may not make it 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.

Freeway home insurance cost

The average cost of a Freeway home insurance policy isn’t available. However, the national average cost of home insurance in the United States is $1,393 per year for a policy with $250,000 in dwelling coverage. 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. The table below includes the average home insurance rates for various amounts of dwelling coverage:

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Freeway 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 home services

Freeway does not offer any non-insurance home services. In addition to homeowners insurance, renters and landlord insurance are also available.

Freeway life insurance

If you are looking for life insurance, Freeway offers very basic policies. Depending on your coverage needs, it may make sense to explore coverage from a life insurance company that underwrites its own 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.

 

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Freeway 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 life services

Freeway does not provide any life insurance related services, such as estate planning.

Other Freeway perks worth considering

One of the 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. There are two plans available—the Gold tier for $65 per month or $105 per year and the Platinum tier for $75 per month or $125 per year.
  • 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. You can get access to 24/7 windshield repairs for $8.25 per month for 6 months of coverage or $6 per month for one year of coverage.

Freeway 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 is right for you? Consider these alternatives

If you are still deciding whether Freeway a good insurance providers for your needs, you might also consider one of the following insurance companies:

  • Safety Insurance: Safety Insurance is another insurance provider that specializes in high-risk auto insurance. However, you must live in Massachusetts, Maine or New Hampshire to purchase a policy.
  • Secura Insurance: Like Freeway, Secura Insurance is also dedicated to community involvement. Secura Insurance offers coverage in 13 states, and sells farm, agribusiness and nonprofit insurance, in addition to home and auto coverage.
  • Encompass: If you are in the market for home and auto insurance, consider Encompass’ EncompassOne policy. There are three tiers of coverage available that offer coverage for both home and auto together under a single policy.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 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 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the age 16 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Hawaii and Massachusetts rates indicate age is not a contributing factor.

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

Homeowners

  • Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000
  • Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000
  • Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000
  • Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000
  • Coverage E, Liability: $300,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

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

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