Freedom Auto Insurance Review (2024)
Freedom auto insurance (review below) is available to AZ, CO, & CA residents. Freedom National sells high-risk auto insurance to drivers with speeding tickets, DUIs, and multiple claims.
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Feb 7, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Freedom Auto Insurance
Average Monthly Rate For Good Drivers
$79A.M. Best Rating:
A+Complaint Level:
LowPros
- Freedom Insurance provides auto insurance to businesses and individuals
- Freedom Insurance offers insurance to high-risk drivers and the general population
- Freedom is an independent insurance agency
Cons
- Freedom Auto Insurance is only available in three states (Georgia,Arizona, Utah)
- Freedom Auto Insurance is that it is not a financially rated company
- Freedom Insurance provides auto insurance to businesses and individuals
- Freedom Insurance offers insurance to high-risk drivers and the general population
- Freedom is an independent insurance agency
Freedom Auto Insurance, also known as Freedom National Insurance, began in 1999 as an online auto insurance provider. The company still offers all of its services solely online.
Freedom is best known for providing auto insurance policies for people who require SR-22 policies or who have trouble finding coverage with other companies because they are the type of driver that needs high-risk auto insurance.
In our Freedom Auto Insurance review, we’ll discuss how they are no-risk to high-risk coverage company, which means they sell insurance products to people with DUIs, speeding tickets, and multiple claims, as well as international drivers.
Whether you need high-risk auto insurance quotes or standard coverage, you can start comparing insurance rates right now. Enter your ZIP code below for your free online auto insurance quote comparisons!
What You Should Know About Freedom Specialty Insurance
Something important that you need to know about Freedom Auto Insurance is that it is not a financially rated company.
Freedom Auto Insurance has not been evaluated by credit rating agency A.M. Best because it is an independent agency offering the products of several different insurance companies.
A.M. Best does feature customer reviews for Freedom Auto Insurance, but unfortunately, they are mostly negative. Freedom does state on its website that all of the companies it does business with are rated financially strong.
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What is the history of Freedom Auto Insurance?
Freedom Auto Insurance has been offering online auto insurance policies since 1999, specializing in SR-22 policies and coverage for high-risk drivers.
The company prides itself on offering coverage and exceptional customer service in Georgia, Arizona, and Utah.
How is Freedom Auto Insurance’s online presence?
Freedom Auto Insurance offers all of its services online through its website. The company does not use independent agents or local offices.
The site offers options to get a quote, file a claim, make changes to your policy, and a variety of other functions.
Is the website easy to navigate?
The company’s website is well organized and provides information on all the services offered, how to get an online quote, how to file a claim, and much more. The company does not offer a mobile app at this time.
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What is Freedom Auto Insurance’s availability by state?
Freedom Auto Insurance is only available in three states. The company’s products are available directly from its website.
Freedom National car insurance products are available in:
- Georgia
- Arizona
- Utah
If you are wondering, “Is there a Freedom insurance near me?” you can visit their website for freedom insurance agency locations.
If you would like to purchase a policy over the phone, you can contact the company at 1-888-542-4222.
Freedom Specialty Insurance Coverage Options
One of the first things you’ll need to do when purchasing your auto insurance policy is to decide how much coverage you need.
If you’re financing your vehicle, your loan company may require you to carry full coverage insurance. Otherwise, you’ll need at least the minimum amount of liability insurance required by your state of residence.
You can take a look at the table below to see what the minimum requirements are for each state in which Freedom Auto Insurance offers coverage.
| State | Minimum Liability Requirements |
|---|---|
| Arizona | $15,000 bodily injury per person $30,000 bodily injury per accident $10,000 property damage liability |
| Georgia | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage liability |
| Utah | $25,000 bodily injury per person $65,000 bodily injury per accident $15,000 property damage liability $3,000 personal injury protection |
Auto insurance is primarily meant to protect you in the event that you’re involved in an automobile accident and need to file a claim. If you choose to purchase more than your state’s required minimum liability insurance, you’ll need to choose your coverage and deductible levels based on your needs and budget. Other types of auto insurance coverage you might consider include:
- Roadside Assistance – his type of coverage is designed to help if your vehicle breaks down. It can be used to pay for towing services, tire changes, etc.
- GAP coverage – This addition to your auto insurance policy helps pay off your auto loan if your vehicle is totaled or stolen.
- Medical Payment Coverage – This type of coverage may help pay for costs such as hospital visits, surgery, x-rays, etc. if you or your passengers are injured in an automobile accident.
- New Car Replacement Coverage – This type of coverage is only available in some states and from certain companies and will pay to replace your vehicle in the event of an accident.
- Pay-As-You-Go Insurance Coverage – This type of insurance offers rates based on your individual driving habits and is only available in some states and through certain companies.
As a driver, you may have specific concerns about your coverage. For example, you may be wondering, “Will Freedom National cover a rental car?” This is a good question to ask your insurance agent to make sure that you have the coverage you need.
The table below shows some of the different types of policies and coverages available to you, along with what they do.
| Auto Coverage Type | Purpose of Coverage |
|---|---|
| Bodily injury liability | Part of your liability coverage that pays for medical bills if you’ve injured someone else in an automobile accident |
| Collision | Covers damage to your car after an automobile accident |
| Comprehensive | Covers damage to your car that happens when you’re not driving |
| Personal injury protection | Covers medical expenses for you or your passengers after an automobile accident |
| Property damage liability | The other part of liability coverage that covers the cost of any property damage you’ve caused in an automobile accident |
| Uninsured/underinsured motorist | Covers the costs if you’re in an automobile accident caused by a driver with little or no car insurance |
Keep reading to learn more about your options with Freedom Insurance.
What are Freedom Auto Insurance’s bundling options?
Many auto insurance providers offer different bundling options. Bundling your insurance refers to purchasing multiple policies from the same company.
For example, you can purchase your auto insurance policy as well as your life insurance from the same company if you choose. Most insurance companies offer a discount of anywhere from five to 25 percent to customers that bundle their policies.
Check out the video below to learn about the pros and cons of bundling.
Since Freedom Auto Insurance only offers car insurance, bundling with Freedom is not an option , but they do offer other ways to save money on your auto insurance policy.
Many companies also offer multi-car discounts. You can think of this as a way of bundling as well, but in this case you’re buying auto insurance for multiple vehicles. Auto insurance companies offer up to a 25 percent multi-car discount on combined policies.
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How do you cancel your Freedom policy?
Freedom Auto Insurance understands that there are many reasons that people need to cancel their auto insurance policy. For this reason, they make it fairly simple to cancel your auto insurance policy should you need to do so.
Watch the video below to get an idea of what to expect when canceling your auto insurance policy.
Keep reading to find out more about policy cancellations and filing claims.
Is there a cancellation fee?
Freedom Auto Insurance does not charge a cancellation fee if you need to cancel your policy.
Is there a refund?
Whether or not you can get a refund on your policy depends on the type of policy and when you choose to cancel. If you choose to cancel a refundable policy in the middle of the policy cycle, you’ll receive roughly half of what you paid, assuming you only paid for that cycle.
Since refund amounts may vary and depend on a variety of factors, it’s always best to check with your insurance agent to see what factors apply to you.
How do you cancel?
What should you do if you need to cancel your policy?
You can cancel your policy at any time simply by contacting your auto insurance agent and letting them know that you’d like to cancel your policy. Your agent will tell you when the changes will take effect and whether or not you’re entitled to a refund of any policy premiums you have paid in.
When can I cancel?
You can cancel your policy at any time simply by contacting your auto insurance agent and letting them know that you’d like to cancel your policy.
Once you’ve canceled your policy, any excess premiums will be refunded to you promptly.
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How do you make a claim?
You can file an auto insurance claim directly with Freedom Auto Insurance.
In the event that you need to file a claim, you can log into your account on the Freedom website and file an online auto insurance claim or you can call the claims department at 888-542-4222 during their regular business hours of Monday–Friday 8 a.m. to 5 p.m. PST.
Take a look at the video below to get an idea of what to expect during the claims process and what to do if you’re involved in a car accident.
https://youtu.be/4Ofv8WlnIH8
The Freedom website provides you with a list of the things you’ll need to do if you have an accident.
Freedom recommends that you file your claim as soon as possible.
However, you will need some documents and information relating to the accident, such as:
- Police report
- Name, address, phone number and driver’s license number for everyone involved in the accident
- List of witness from the accident
- Insurance information for all involved in the accident no matter who is at fault
- Photos of the accident scene, if possible
Once you’ve provided all of your information, your claim will be assigned to an adjuster. This can take up to two business days, which means the turnaround may not be as fast as you would like. According to Freedom Auto Insurance, the company conducts a liability investigation of each accident before paying out on a claim.
How do you get a quote online?
From anywhere in the nation, freedom quotes can be obtained from the Freedom website by providing your information in the quote box. You may be required to create a freedom car insurance login. Quotes for this company are also available on the ACCC insurance quote site.
You will need to provide some basic information such as your name, address, sex, etc., as well as information about your vehicle, driving record, and so forth. AFter the quote, you can choose to take out a new Freedom insurance policy or keep shopping.
If you’re in the process of comparison shopping for auto insurance, you can see that having to enter your information into various company websites can be pretty time-consuming.
If you’d like to review auto insurance rates from several companies at once, consider using our free auto insurance quote tool.
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Freedom Specialty Insurance Rates Breakdown
Are Freedom National’s rates the cheapest?
In some cases, choosing a local insurance agent can be better than a national company for your insurance needs. For one, these agents often act as brokers, meaning that they have more leeway when it comes to working with various insurance companies to customize a policy that’s right for you.
You can take a look at the table below to get an idea of what you might pay for auto insurance depending on how much coverage you decide to buy. The table shows average annual rates based on coverage levels.
Average Auto Insurance Rates by Coverage
| Coverage Types | Average Annual Auto Insurance Rates | Average Monthly Auto Insurance Rates |
|---|---|---|
| Comprehensive coverage | $150.36 | $12.53 |
| Collision coverage | $299.73 | $24.97 |
| Liability coverage | $516.39 | $43.03 |
| Total Full Coverage Cost | $954.99 | $79.58 |
Smaller companies are often more personalized when it comes to customer service, as well. The auto insurance market is very competitive and reputation is one thing that smaller companies can use to their advantage since they are able to provide service on a more personal level.
While specific rates for Freedom Auto Insurance are not available, the company claims to have the lowest rates in the three states they service which are Georgia, Arizona, and Utah. According to the Insurance Information Institute (III), Georgia drivers pay average rates of $1,127 a year for auto insurance. Arizona drivers pay $994 a year and Utah drivers pay $890 per year on average.
Freedom Specialty Insurance Discounts Available
You may be wondering, “Am I getting the best deal with Freedom National?” There are a lot of things that can help you save money on your auto insurance policy, like discounts, for example.
Insurance providers vary in terms of what discounts they offer, but many discounts are standard throughout the industry.
The table below shows some of the most common auto insurance discounts available, an estimate of how much money each can save you, and the major auto insurance companies that offer the discount.
Standard Auto Insurance Discounts Offered by Major Companies
| Discounts Offered | Average Percentage of Savings | Auto Insurance Companies Offering Discounts |
|---|---|---|
| Low mileage/Low usage discount | Up to 20% | State Farm, Allstate, Travelers, Nationwide, Progressive |
| Defensive driving discount | 10%–15% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers |
| Safe driver discount | 10% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual |
| Military and federal employee discount | 8%–15% | Geico, Esurance, USAA |
| Good student discount | 5%–25% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual |
| Senior/Mature driver discount | 5%–10% | Geico, Allstate, Liberty Mutual |
| Homeowner discount | 3% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers |
As you can see, it’s always a good idea to check with your insurance provider to see what types of discounts you may qualify for, as they can save you a lot of money on your auto insurance.
What programs are available from Freedom Auto Insurance?
Freedom Auto Insurance specializes only in online auto insurance policies, but the company strives to be the best in the industry by offering unique policies tailored to customers’ needs.
One of the nice things about Freedom is that it’s one of the few companies still offering a 12-month policy to customers.
The benefit of a 12-month policy is that if you have a car accident, the company has to wait until your policy expires before increasing your rates.
The downside is that if you had an accident in the past, you’ll have to wait longer for your rates to decrease.
Freedom also offers online bill pay. For those who don’t wish to pay online, they do also accept drafts as well as direct bill, EFT, Moneygram, and Western Union payment options.
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Frequently Asked Questions
Does Freedom Auto Insurance offer SR-22 insurance?
If you’ve had more than your fair share of traffic citations, automobile accidents, and/or auto insurance claims, you may be considered a high-risk driver. Normally, high-risk drivers are required to purchase SR-22 insurance, which is not available through all companies, so it may take some looking around to find coverage.
Freedom Auto Insurance actually specializes in SR-22 insurance and insurance for high-risk drivers, so if this is your situation, Freedom might be a good fit for you.
The filing fee to get SR-22 insurance is only $15-$35, but the increase in rates for SR-22 insurance when compared to rates for drivers without any driving violations on their records is definitely not pocket change. Rate increases for driving violations that result in a driver being forced to carry SR-22 insurance can be as much as $541 a month.
What kinds of questions should I be prepared for when purchasing my auto insurance policy?
When you apply for an auto insurance policy, you’ll be asked a series of demographic questions such as your name, age, sex, etc. You’ll also be asked a variety of other questions aimed at assessing your risk as a driver.
Some of the things the insurance company will want to know about are your driving record, the type of vehicle you’re insuring, and whether or not you’ve had any tickets or accidents in the past. Once this information is collected, the insurance company uses this data to assess your risk as a driver and to determine your policy rates.
This is known as the underwriting process. By using this method of risk evaluation, auto insurance companies are able to reduce their chances of losing money on issued policies. Through this process, the insurer can determine your risk factors and decide if they want to insure you, and if so, at what rate.
Are there benefits to using an agent to purchase auto insurance?
While it’s possible to purchase your auto insurance policy directly instead of through an agent, there are some possible downsides to doing so.
First of all, if you choose to go with a local agent, you’ll get the advantage of a more personalized service. This experience is just not possible when you purchase directly from a large company. With a local agent, it’s quite possible that you may speak to the same person about your policy every time.
How can I contact Freedom Auto Insurance?
You can contact Freedom Auto Insurance by calling their customer service number at 1-888-542-4222. Their customer service representatives are available Monday to Friday from 8 a.m. to 5 p.m. PST. You can also visit their website and fill out their online contact form to get in touch with them.
What types of payment options are available?
Freedom Auto Insurance offers various payment options to suit your preferences. You can make payments through online bill pay on their website. They also accept payments through drafts, direct bill, electronic funds transfer (EFT), MoneyGram, and Western Union. Choose the option that works best for you.
Can I get roadside assistance coverage with Freedom Auto Insurance?
Yes, Freedom Auto Insurance offers roadside assistance coverage as an additional option. This coverage helps you in case your vehicle breaks down and you need assistance. It can cover services like towing, tire changes, lockout assistance, and more. Check with Freedom Auto Insurance for specific details on their roadside assistance coverage.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.