Freeway Auto Insurance Review for 2025 (See Ratings & Cost Here!)

Our Freeway auto insurance review provides an in-depth look at the company’s affordable rates, starting at $48/month, for high-risk drivers.

Freeway offers competitive coverage with discounts up to 25%, based on factors that affect auto insurance rates, such as location and driving history.

Freeway Auto 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	3.8
Plan Personalization	3.0
Policy Options	2.5
Savings Potential	3.9

With a focus on minimum coverage policies, this company attracts customers looking for affordable options.

Avoid expensive auto insurance premiums by entering your ZIP code to see the cheapest rates for you.

Freeway Auto Insurance Rates: A Breakdown by Coverage Level, Age, and Gender

Getting the lowest rates on car insurance depends on factors that include minimization of coverage standards, age of the driver and gender being affected by car pricing. Depending on these factors, Freeway has different rates. Here’s a breakdown of Freeway’s monthly rates for minimum and full coverage policies so you can evaluate costs at different stages of life.

These rates reflect the prices for minimum and full coverage policies, and the costs vary according to age and gender.

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

Younger drivers, particularly males, generally pay higher premiums, while older drivers usually get lower rates. And the rates also show the gap between basic minimum coverage and more comprehensive full coverage options.

The cost difference between minimum and full coverage auto insurance is noticeable, so it’s important to choose the policy that fits both your needs and budget. Full coverage offers more protection but costs more. Be sure to compare quotes from different insurers to find the best rates.

Impact of Driving History on Freeway Auto Insurance Rates vs. Top Competitors

Your driving history is one of the most significant factors in calculating your car insurance rates. Rates can go up due to accidents, DUIs, and traffic tickets. While cheap auto insurance after a DUI is not easy to come by, you may be able to find options with providers such as Freeway. Below, we explain how the best providers raise and lower premiums based on your driving history.

This is how the record of your driving affects your monthly auto insurance rates with Freeway Insurance. These rates vary depending on factors like whether you have a clean driving record, accidents, DUIs, traffic tickets. The table below outlines average monthly premiums for drivers with various driving records for a better understanding of how each factor might impact your coverage costs.

Freeway Auto Insurance Rates Compared to Top Competitors by Driving Record

Insurance Company	Good Credit	Fair Credit	Poor Credit
	$105	$140	$200
	$98	$125	$185
	$100	$130	$190
	$85	$110	$160
	$110	$145	$210
	$92	$118	$175
	$90	$115	$170
	$95	$120	$175
	$94	$122	$180
	$80	$105	$150

Compare Freeway rates with top competitors based on your driving record and credit score. This table shows how rates vary for good, fair, and poor credit across leading insurers like Allstate, Geico, Liberty Mutual, and more. Use this when making comparisons to determine which is the best coverage at the best of the best rates to the best of your knowledge.

Checking how your driving record affects your rates is an important step in finding the right auto insurance policy. With comparisons across quotes from all major insurers, such as Freeway and the best brands in the country, you can secure the best deal based on how you drive, your profile, and specific information.

Freeway Auto Insurance vs. Top Providers: Monthly Rates Comparison

Where to compare auto insurance rates can help you save money. Freeway average lowest rates start at $48/month for the state’s minimum coverage, competitive with top insurers.

The comparison of monthly auto insurance rates from Freeway and other top providers shows competitive pricing. Freeway offers rates starting at $48/month for minimum coverage, which is generally in line with other insurers.

Freeway Auto Insurance Monthly Rates vs. Top Providers

Insurance Company	Minimum Coverage	Full Coverage
	$75	$150
	$68	$130
	$70	$140
	$55	$120
	$70	$145
	$66	$128
	$60	$125
	$65	$135
	$64	$132
	$50	$115

For minimum coverage, rates range from $50 with USAA to $75 with Allstate, while full coverage varies from $115 with USAA to $150 with Allstate. Freeway’s rates are competitive with providers such as Geico, Farmers, and State Farm, so it’s a top choice if you’re a budget-conscious driver looking for affordable coverage.

Freeway’s coverage is a great option for high-risk drivers looking for low-cost auto insurance due to its competitive rates for minimum and full coverage. Be sure to shop around for quotes from different providers so you can get the best deal for you.

Save More With Freeway Auto Insurance: A Guide to Available Discounts

Freeway auto insurance offers numerous ways to reduce your premiums through discounts. Whether you’re a safe driver, a student, or a military member, you can take advantage of savings that help make your coverage more affordable.

Freeway offers a variety of discounts to help policyholders save on their premiums. These discounts include up to 25% off for multi-car policies, 20% for safe drivers, and 15% for good students. Other savings options include discounts for low mileage, bundling policies, military service, defensive driving courses, and more.

Freeway Auto Insurance Discounts

Additionally, policyholders can benefit from a 7% pay-in-full discount and 5% savings for anti-theft devices and loyalty. These discounts, part of Freeway’s best auto insurance discounts, make it a great choice for drivers looking to lower their insurance costs.

With discounts ranging from 5% to 25%, Freeway auto insurance ensures that you can find ways to save on your monthly premiums. Be sure to check for all applicable discounts to maximize your savings and get the best deal on your auto insurance.

Freeway Auto Insurance: Essential Coverage Options

Knowing the various types of auto insurance coverage you might need is crucial to ensuring you are protected. Liability, comprehensive, and everything in between, each offers a unique way to protect you and your auto in a range of situations.

• Liability Auto Insurance: Covers damages and injuries to other people from an accident you caused. It includes bodily injury and property damage, and it is a must for most states.
• Collision Auto Insurance: Covers repairs to or replacing your vehicle after an accident, no matter who’s at fault. It’s crucial for newer or valuable cars, and cheap auto insurance after an accident can ease the financial burden while providing necessary coverage.
• Comprehensive Auto Insurance: Comprehensive coverage covers damage to your car that is not the result of a crash, including theft, vandalism, or weather-related damage. Comprehensive is usually sold with collision so you have full coverage.
• Personal Injury Protection (PIP) Insurance: Covers medical expenses and other costs for you and your passengers after an accident, no matter who is at fault. It’s often required in no-fault states.
• Uninsured/Underinsured Motorist Insurance: This coverage protects you if the at-fault driver doesn’t have enough insurance to cover your damages or is completely uninsured, ensuring you aren’t left with significant expenses.

Knowing what each category of auto insurance covers can help you make better decisions on what should be included in your policy. Depending on whether you need basic coverage or full protection, you should be able to customize your plan with the needs and risks you have.

If an insurance provider considers you high-risk, you will pay high premiums💰. You might have a hard time finding 🔎coverage. https://t.co/27f1xf131D has the information you need to lower your costs as much as possible. Check it out here👉: https://t.co/J52mqqaRQj pic.twitter.com/N2kOV5uYXY

— AutoInsurance.org (@AutoInsurance) September 27, 2023

When considering auto insurance, it’s important to understand all the coverage options available to you. From protection against needing to buy a new car you can’t afford if yours is totaled to ensuring you’re covered when driving vehicles you don’t own, there are many add-ons and specialized policies that cover you better.

• Gap Insurance: This covers the gap between what you owe on the car loan and its actual cash value should your car be destroyed or stolen so you don’t experience any loss or damage.
• Rental Car Reimbursement: This is a voluntary coverage that pays for a rental car while your vehicle gets repaired due to an accident, so you don’t lose your mobility while your vehicle is getting repaired.
• SR-22 Coverage: A certificate proving you meet state-required auto insurance standards, often required for high-risk drivers with violations like DUIs.
• New Car Replacement: You’ll get a brand-new, same make and model car if your new car is totaled and you have this coverage, so you’re covered for depreciation.
• Non-Owner Auto Insurance: Non-owner auto insurance covers liability when driving cars you don’t own, such as rentals or borrowed vehicles, ensuring you’re protected even without a car of your own.

Options like gap insurance, rental car reimbursement, and SR-22 coverage in case of fines offer peace of mind in different situations.

Make sure you will contact all available options with your insurance provider, make sure your policy is what is best for you and to avoid surprises in costs.

Freeway Auto Insurance: Business Ratings and Consumer Reviews Overview

Freeway auto insurance is rated differently across the board at various agencies. The company scores a 742 out of 1,000 on the J.D. Power survey, indicating below average satisfaction among owners. Consumer Reports scores Freeway 65/100, showing mixed feedback from policyholders. The company has a B financial strength rating from A.M. Best, which means fair.

Freeway Auto 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 Avg. Complaints
	Score: B Fair Financial Strength

For the most part, Freeway’s business practices are good, but there are areas for improvement according to reviews and complaints from consumers. If Freeway is right for you, you should take these ratings into consideration.