Freeway Auto Insurance Review (2024)

If you’re searching for high-risk auto insurance, you may be interested in Freeway Insurance. The Freeway Insurance agency offers minimum coverage to nonstandard drivers throughout the U.S.

Rates with the company may be high when compared to other insurance companies. Still, if you’re a high-risk driver, you may find that auto insurance rates with most companies are above average.

You can get a Freeway Insurance quote to see if it is one of the cheapest auto insurance companies for high-risk drivers in your area. You will need to compare quotes with Freeway to quotes from other insurance companies to see which company offers the coverage you need at a price that works with your budget.

What You Should Know About Freeway Insurance

Freeway Insurance reviews are limited online. The company does not have third-party ratings with companies like A.M. Best or J.D. Power. However, Freeway Insurance has an A+ rating with the Better Business Bureau (BBB), and the company’s customer rating is 4.2 out of 5 stars.

Freeway Insurance customer complaints typically involve issues with customer service or the claims handling process. Before you purchase an auto insurance policy with Freeway, read the customer reviews to learn more about the company.

Is Freeway Insurance legit?

Freeway Insurance started in California. The company currently provides mandatory auto insurance coverage to high-risk drivers throughout the U.S. With Freeway Insurance, you can purchase the minimum auto insurance required in your state. However, the cost for coverage may be higher than your state’s average price for minimum coverage.

Freeway Insurance does include personal injury protection (PIP) insurance coverage for individuals who need it, and the company offers a few discounts to qualifying policyholders to help lower their insurance rates.

Freeway Insurance takes civic responsibility very seriously, and the company partners with Toys for Tots to provide toys and gifts to economically disadvantaged children in the United States and abroad.

Freeway is a legitimate insurance company, though reviews concerning the company’s products and services vary. If you’re interested in pursuing a policy with Freeway Insurance in Texas or any other state, you may also want to consider other auto insurance companies.

What are the pros of an auto insurance policy with Freeway?

If you purchase car insurance coverage with Freeway Insurance, you will enjoy several benefits.

Freeway offers more than just car insurance. If you need additional insurance products, you may be interested in other products Freeway offers. Purchasing two or more insurance products with the company may qualify you for a discount.

Freeway Insurance offers auto insurance nationwide. Regardless of where you live, you can get a quote for Freeway car insurance to see if the company’s rates work for your lifestyle and budget.

Freeway Insurance takes its civil duties seriously, and part of the company’s profits go toward helping underprivileged children in the U.S.

Freeway also uses an insurance network to help prospective customers compare auto insurance rates from multiple companies. For example, if you’re looking for high-risk coverage, Freeway may help you compare rates with the company against rates for similar policies with other auto insurance companies.

What are the cons of an auto insurance policy with Freeway?

While there are many benefits to purchasing an auto insurance policy with Freeway, there are also some downsides.

Freeway Insurance offers coverage throughout the U.S. but does not have in-person agents in every state. Therefore, if you value working closely with someone, you may want to consider other companies with offices and agents in your area.

The Freeway Insurance website has limited capabilities for online payments and overall policy management. You cannot file a claim on the Freeway website. Instead, you must call and speak with a representative.

Many third-party organizations do not rate Freeway Insurance. With a lack of ratings, it may be difficult to discern whether the company would work well for you regarding policies, claims, and customer service.

Lastly, Freeway Insurance does not write its policies. After you speak with a company agent, other insurance companies underwrite the policy. So, while you may go to Freeway for your initial high-risk coverage, you may be surprised to learn which company you have for your auto insurance.

Freeway Insurance Coverage Options

With Freeway, you can purchase the standard auto insurance coverage options, such as:

• Bodily injury liability
• Property damage liability
• Personal injury protection
• Medical payments
• Collision insurance
• Comprehensive auto insurance

While you can purchase a full coverage policy with Freeway that includes liability, collision, and comprehensive coverage, remember that your rates may be higher if you’re a nonstandard driver.

Freeway Insurance Rates Breakdown

Freeway does not post its company rates online. However, because the company offers high-risk coverage, it’s safe to assume you’ll pay higher-than-average rates for coverage with the company.

The national average for full coverage auto insurance in the U.S. is around $1,655 annually or $138 per month. Minimum auto insurance coverage costs around $480 annually or $40 each month.

Auto Insurance Monthly Rates by Coverage Level and Provider

If you plan to purchase a minimum coverage policy with Freeway, your rates will likely be higher than $40 per month. However, company discounts could help you save on your monthly or annual rates.

How much is Freeway Insurance?

Rates with Freeway Insurance vary based on several factors. The most common factors that affect auto insurance rates include:

• Driving history
• Credit score
• Car make and model
• Coverage levels
• ZIP code
• Age

Your auto insurance rates should be low if you have a good credit score and a clean driving history. However, if you’re considering a policy with Freeway, it may be because you need nonstandard coverage as a high-risk driver.

Freeway Insurance Discounts Available

Freeway offers auto insurance discounts such as good student, multi-policy, and military members. You could save as much as 25% on your Freeway auto insurance coverage if you qualify for a discount. You can speak with a company representative to learn more.

How Freeway Insurance Ranks Among Providers

It’s hard to know how Freeway insurance rates will compare with other companies until you get a quote using your unique information. Take a look at some of the cheapest auto insurance options below to get a better idea of coverage rates based on different factors.

What’s the cheapest auto insurance after an at-fault accident?

If you have an at-fault accident on your record, your insurance rates will increase. Two or more accidents may change your status to high risk.

Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record

State Farm auto insurance is the cheapest insurance on average for people with an at-fault accident on their record. The company offers coverage for $1,671 annually or $139 per month.

Geico auto insurance rates are a bit more expensive on average. With Geico, you will pay around $2,427 annually or $202 each month for coverage.

Allstate auto insurance comes with the highest rates if you have an at-fault accident on your record. The company charges $3,798 annually or $317 per month for coverage.

What’s the cheapest auto insurance after a DUI?

If you need auto insurance for drivers with a DUI, you can expect your rates to increase as much as 5% to 100%.

Full Coverage Auto Insurance Monthly Rates by Driving Record

State Farm offers the cheapest auto insurance coverage for people with a DUI. With State Farm, you’ll pay $1,998 annually or $167 per month for car insurance. Erie car insurance comes in second, charging $2,034 annually or $170 each month for coverage.

Travelers charge the most for car insurance if you have a DUI. You’ll pay $2,649 annually or $221 per month for Travelers auto insurance.

What’s the cheapest auto insurance for high-risk drivers?

The cheapest coverage for high-risk drivers depends on many factors. Some companies will change their rates based on the reason you’re high-risk, while others will offer higher rates regardless of your driving record.

Auto Insurance Monthly Rates Based on Driving Record

On average, Erie Insurance offers the cheapest rates for high-risk drivers. The company charges $2,505 annually or $209 each month for coverage. Progressive auto insurance is next on the list, charging $2,572 annually or $214 per month.

State Farm charges $2,678 annually or $223 per month on average for car insurance if you’re a high-risk driver. And American Family auto insurance rates are around $2,761 annually or $230 each month for coverage.

The most expensive high-risk car insurance coverage is with Farmers. The company charges around $3,653 annually or $304 per month for coverage.

Freeway Auto Insurance: The Bottom Line

If you’re a high-risk driver, you may want to consider an auto insurance policy with Freeway Insurance. Freeway offers car insurance throughout the U.S. and specializes in minimum coverage policies for nonstandard drivers.

Coverage with Freeway may be higher than average based on your driving record. Before you purchase coverage with Freeway, find and compare quotes from other companies in your area to ensure you are not paying too much for high-risk coverage.