Freeway Car Insurance Review for 2024 [Unbiased Evaluation]

This Freeway car insurance review covers affordable options starting at $126 monthly by comparing average car insurance rates by age and gender, the types of coverage available, customer service, and overall satisfaction.

Freeway Insurance Services America caters to high-risk drivers through a network of independent agents in 50 states. Though rates are higher than standard carriers, it specializes in providing coverage for drivers who need to file SR-22 insurance after accidents, speeding tickets, or DUIs.

Freeway Car Insurance Rating

Rating Criteria
Overall Score	3.2
Business Reviews	3.0
Claim Processing	2.8
Company Reputation	3.0
Coverage Availability	2.3
Coverage Value	3.0
Customer Satisfaction	3.6
Digital Experience	3.0
Discounts Available	4.0
Insurance Cost	3.7
Plan Personalization	3.0
Policy Options	2.5
Savings Potential	3.8

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Comparing Freeway Car Insurance Rates by Driver

Freeway insurance rates are much higher than those of standard carriers, especially for young drivers. For full coverage, a 16-year-old male pays $538, while teen girls pay $514.

Freeway Car Insurance Monthly Rates by Coverage Level, Age, & Gender

As drivers age, rates become more reasonable. By age 30, drivers pay about half of what teens pay, with full coverage running $342-$359 per month. Experienced drivers around 45 get the best Freeway car insurance rates at $109 for minimum coverage.

Meanwhile, drivers with DUIs pay the steepest rates at $231 a month for minimum coverage, and those with accidents pay $183. Even a single ticket raises rates to $157 monthly, while drivers with clean records pay $126.

The difference with Freeway is that, unlike most companies, they’re willing to insure high-risk drivers. If you’re searching for cheap car insurance after a DUI, Freeway’s rates start at $231 monthly for minimum coverage.

Freeway Car Insurance Cost Comparison

Freeway Insurance Services sits in the middle to upper range of the insurance price spectrum. For example, young drivers (under 18) have rates of $480–$550 per month that beat out pricey carriers like Progressive ($591–$662) but are double the rates of Geico ($220–$254).

Freeway Car Insurance Monthly Rates vs. Top Competitors by Age & Gender

Insurance Company	Age: 18 Female	Age: 18 Male	Age: 30 Female	Age: 30 Male	Age: 45 Female	Age: 45 Male	Age: 65 Female	Age: 65 Male
	$448	$519	$168	$176	$162	$160	$158	$157
	$597	$629	$160	$167	$139	$139	$136	$136
	$480	$550	$155	$165	$145	$150	$140	$145
	$220	$254	$90	$87	$80	$80	$78	$78
	$310	$335	$140	$150	$135	$147	$125	$130
	$522	$626	$174	$200	$171	$174	$167	$170
	$303	$387	$124	$136	$113	$115	$111	$112
	$591	$662	$131	$136	$112	$105	$109	$103
	$229	$284	$94	$103	$86	$86	$84	$84
	$530	$740	$99	$108	$98	$99	$96	$97
	$180	$203	$74	$79	$59	$59	$58	$57

Freeway full coverage car insurance is more expensive than most companies, but if you have accidents or insurance lapses on your record, Freeway could be a competitive option.

Read More: Driving Without Insurance: Avoid Lapses in Coverage for Lower Rates

Comprehensive Coverage Options With Freeway Car Insurance

Make sure you know what coverage Freeway offers before you pick a policy. As do most insurers, they provide both required and optional protection for your vehicle and financial security.

• Liability Insurance: Covers injuries and property damage you cause to others.
• Personal Injury Protection: Covers medical expenses regardless of fault.
• Uninsured/Underinsured Motorist: Protects you if a driver with no or insufficient insurance hits you.

Beyond basic protection, Freeway offers collision coverage for accident repairs, comprehensive for theft and weather damage, plus extras like roadside assistance and gap insurance for financed or leased vehicles.

Before you buy Freeway car insurance, check coverage needs and state requirements. Basic liability will likely meet your state minimums, but you may want to pay extra in order to obtain comprehensive financial protection for your vehicle if you’re ever involved in an incident.

Freeway Insurance Services America Reviews & Ratings

Is Freeway car insurance legit? Check out the company’s business ratings and consumer reviews for a closer look at Freeway’s performance. These ratings allow you to decide whether Freeway car insurance is the right choice for you:

Freeway Car Insurance Business Ratings & Consumer Reviews

Agency
	Score: 742 / 1,000 Lower-Than-Average Satisafaction
	Score: A- Good Business Practices
	Score: 65/100 Mixed Customer Feedback
	Score: 1.2 More Complaints Than Avg.
	Score: B Fair Financial Strength

The company does well in customer satisfaction and business practices, but claim processing and the number of complaints are issues. Below, you can see some positive customer feedback about Freeway Insurance:

Read Ashley B.‘s review of Freeway Insurance on Yelp

For drivers seeking a reliable, empathetic insurer, this customer care shows that Freeway is committed to addressing needs and ensuring a smoother experience.

Read More: Where to Find Car Insurance Company Reviews

Freeway Insurance Services America, LLC Pros & Cons

Freeway auto insurance is a popular choice for high-risk drivers seeking affordable coverage and reliable customer service. Below are some of the key benefits that could work in your favor when choosing Freeway as your insurance provider.

• Competitive Coverage Options: The coverage list at Freeway is quite comprehensive, and it provides liability, collision, comprehensive, personal injury protection, and more.
• Strong Customer Service: The customer service at Freeway has been getting positive feedback; customers think their representatives are extremely helpful and empathetic with their issues.
• Discounts and Savings: Freeway offers discounts that lower your premiums and is a good choice for cost-conscious drivers looking to save on their insurance. (Read More: Best Car Insurance Discounts)

Freeway car insurance may have some downsides that will affect your experience. This list of cons show areas in which the company is lacking:

• Mixed Claims Processing Reviews: Customers have also been less enthusiastic about Freeway’s claims processing, giving it lower ratings for how problems are handled after you’ve been in an accident.
• Higher Number of Complaints: The company has more than a fair share of complaints, which could give riders pause when it wants to claim a more dependable process.

Competitive pricing, various types of coverage, and the ability to rely on good customer service are what you get from Freeway Insurance Services America. However, along with that success are mixed feedback and claims processing issues. Considering the pros and cons of this will help you decide whether Freeway is the car insurance you choose.

The Final Take on Freeway Car Insurance

This Freeway car insurance review finds affordable premiums, an attractive variety of coverage options, and solid customer service. However, there are other areas to be concerned about, like claims processing and a higher volume of complaints.

In the end, Freeway Insurance is the best option for high-risk drivers who need SR-22 insurance.

Freeway’s Auto Club is here! Our roadside assistance plans bring peace of mind, knowing you are covered in the event of a vehicle breakdown or incident. Request a free quote on our website today: https://t.co/FXmlw7pXty pic.twitter.com/shNiA9nowl

— Freeway Insurance (@Freeway_Ins) November 15, 2024

Buying car insurance is something you don’t want to do without comparing your options. Finding free car insurance quotes online will help you assess different providers and coverage levels to make sure you make a wise, informed choice that fits your needs. Freeway is a good choice if all factors, such as price, coverage, customer feedback, and so on are considered.

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