Breathe Easy Insurance Broker Review 2025

Breathe Easy is a car insurance broker, which means the company represents you and offers a range of providers. Unlike other car insurance brokers, Breathe Easy handles most of the customer-facing car insurance services that are typically done by an insurer, including customer service, payments, and policy changes. Meanwhile, Breathe Easy’s insurer partners underwrite the policies.

Anyone who needs car insurance can use Breathe Easy, but it works best for people in certain situations.

Breathe Easy is ideal if you:

• Have a DUI and need to file an SR-22.
• Have difficulty getting standard insurance.
• Are a high-risk driver and want to lower your rate.
• Want personalized service when shopping for a policy.

Breathe Easy is not ideal if you:

• Have a clean record.
• Prefer to get quotes completely online.
• Want to manage your claims, payments and policies in one place.

How much you’ll pay with Breathe Easy depends on a number of factors, including your driving record, location, and chosen coverage levels.

For example, with Breathe Easy, I was quoted $906 per year for a minimum coverage policy and $7,304 per year for full coverage. These rates were specific to my driver profile, which includes a clean record and coverage in California.

Based on these numbers, I’d say Breathe Easy is better if you’re looking for low coverage amounts and have violations on your record. I’d pay about 284 percent more for a full coverage policy than minimum coverage, which is to be expected because Breathe Easy specializes in nonstandard insurance.

Because Breathe Easy is a broker, the cost of insurance varies depending on your driving history and the insurer. (Breathe Easy pairs you with insurers based on your level of coverage, which we’ll touch more on later.)  For a better sense of what to expect, let’s look at AutoInsurance.com data on average rates for some of the providers listed on Breathe Easy’s website:

In addition to the policy premiums, customers report being charged a broker fee that ranges from $200 to $250. Whether the broker fee is worth paying depends on your actual quoted premium. One customer review reported a savings of $200 on a six-month policy, which translates to $400 saved annually.

Talk with your Breathe Easy agent about which coverage types are most important to you and where you can trim to save money. For drivers with a bad record, that often means higher deductibles on comprehensive and collision coverage to reduce the monthly cost and skipping extras such as rental reimbursement.

If you’re also shopping for a renters or homeowners policy, agents can check options for multipolicy insurance bundles through partner carriers. Confirm that the bundle truly beats stand-alone pricing after all discounts and fees; request an itemized quote so the net savings are clear.

Paying in full, enabling auto‑pay, and avoiding lapses are other car insurance discounts that drivers with violations can use to save money. Breathe Easy prioritizes fast, accurate SR‑22 filings to prevent avoidable surcharges tied to DMV notifications. In states that allow it, submitting certificates for defensive driving or DUI education through the agent could also reduce your premiums.

If you have a one-time violation on your record but you’re generally a safe driver, another way to save money is by signing up for a telematics program. Note that not all nonstandard carriers offer telematics discounts, and pay attention to which behaviors are tracked and whether the program could increase your rates for risky driving.

In the long run, maintaining a clean record is the best way to save on car insurance, and Breathe Easy can require you to capture those gains at key milestones. If there isn’t regular access to a household vehicle, ask about a non‑owner SR‑22. Breathe Easy supports it, and when you’re eligible, it can satisfy state requirements at a lower premium than owner coverage.

Even though I don’t need to file an SR-22 and I have a clean record, I was able to get a quote with Breathe Easy. The representative, Angelique, was incredibly patient and helpful. She asked for my personal information and recommended adding comprehensive, collision, and uninsured and underinsured motorist coverage to the state liability limits.

During the quote process, I found out that the underwriting company would change based on the level of coverage I selected. For example, my minimum coverage policy would be underwritten by Drive (Progressive’s nonstandard subsidiary), while my full coverage policy would be underwritten by Infinity.

SR-22 Insurance

Angelique explained that Breathe Easy would take care of most aspects of my insurance. If I needed to change my policy or file documents for an SR-22, I’d contact my agent. Otherwise, I’d file claims directly on the underwriting company’s website.

She also asked me if I had a DUI and needed an ignition interlock device (IID); Breath Easy partners with an IID brand to help customers get affordable IIDs and same-day installation. This is especially convenient, since many states don’t allow you to get back on the road until you have an IID installed. If you purchase a policy with Breathe Easy, you can speed up this process.

Overall, it was an excellent experience. Even though I had to call for a quote, I received attentive service and got the information I needed. Importantly, the agent didn’t mention brokerage fees, which may have come up if I had ended up purchasing a policy.

Breathe Easy provides standard auto insurance coverage types, including liability, collision, comprehensive, uninsured and underinsured motorist, and medical payments coverage. Because Breathe Easy works with different underwriters, you also have more options for coverage limits.

In addition to the standard offerings, Breathe Easy offers roadside assistance. You can get towing services, flat-tire changes, jump starts, fuel delivery, and lockout aid.

Breathe Easy also specializes in non-owner insurance, which can be especially helpful for high-risk drivers. If your car was totaled or you sold it after a violation, but you still need to maintain coverage for an SR-22, a non-owner policy will fulfill this requirement. It also provides coverage for rented or borrowed cars. A non-owner policy typically costs about 20 percent less than regular policies, and it’s an affordable way to maintain a history of coverage.

Breathe Easy boasts stellar customer feedback. It has a five-star rating on Trustpilot, aggregated from over 3,000 reviews. Many reviewers mention speaking with helpful representatives who assisted them in significantly lowering their rates. As someone who went through the company’s quote process myself, I can attest to the excellent service. While the company is not accredited with the Better Business Bureau (BBB), it does hold an A+ BBB rating, suggesting transparent business practices and few customer complaints.

Technically, you can’t file a claim through Breathe Easy, because it’s a broker. Breathe Easy’s Payment & Claims page directs you to the company’s insurer partners. Once you select your provider, you can complete the claims process on the company’s website.

Breathe Easy’s website is straightforward and simple. The company’s phone number is displayed prominently on the page, which makes sense given that you must speak with an agent to get a quote. Alternatively, you can fill out a form with your contact information to have an agent call you.

I’d say Breathe Easy’s digital user experience is fairly basic. The company doesn’t have an app. The site allows you to manage your policy and directs you to your underwriting company for claims. Breathe Easy’s digital tools aren’t as user-friendly as those of some competitors, like Insurify. However, given Breathe Easy’s stellar customer service, this may not be an issue for those who prefer to work directly with agents.

Even if you’re a high-risk driver, there are ways to save on your car insurance. Consider these tips:

Compare quotes from multiple insurers.

Rates for high‑risk car insurance vary widely because each carrier prices DUIs, suspensions and at‑fault losses differently. Compare car insurance quotes from several nonstandard insurers to reveal outliers and avoid overpaying. When possible, ask a broker to shop again at set milestones (e.g., six or 12 months) as violations age off.

Consider a non‑owner SR‑22 if you don’t own a car.

If there’s no regular access to a household vehicle, a non‑owner policy can satisfy the SR‑22 requirement at a lower cost than a standard policy. It typically includes liability only, which keeps premiums down while maintaining compliance.

Use payment strategies that lower the total cost.

Pay‑in‑full and automatic payments can unlock modest savings and reduce your risk of missed payments. Continuous insurance coverage matters more with SR‑22s; lapses in coverage can trigger fees, filings or even license resuspension.

Take an approved defensive‑driving course or get DUI education.

In states that allow it, defensive-driving course completion certificates can help with underwriting and, in some cases, qualify you for discounts. Even when no formal discount applies, such training supports safer habits that lead to better rates over time.

Explore telematics and usage‑based programs (selectively).

If your mileage is low and your driving habits are consistent, consider signing up for a telematics program. A usage‑based plan can help offset high‑risk surcharges. Skip it if you have frequent late‑night trips, heavy mileage or aggressive braking patterns, as these are likely to raise your prices.

Bundle policies when it truly saves you money.

If renters or homeowners insurance is in place, ask about multipolicy auto insurance bundles. Confirm that the combined price beats those of stand-alone policies after all fees; bundling doesn’t always win with nonstandard auto insurance.

• Assuming “SR‑22 insurance” is a special policy: An SR‑22 is a state filing tied to a standard policy, not its own coverage.
• Letting a policy lapse: Lapses can trigger DMV notifications, reinstatement headaches, and higher premiums; continuous coverage is critical.
• Confusing SR‑22 with FR‑44: Requirements differ by state; in Florida and Virginia, FR‑44s require higher limits than SR‑22s.
• Shopping with only one carrier (or staying with your current insurer): Each insurer views prior DUIs, suspensions and claims differently, and what’s expensive with one may be more reasonable with another.

Breathe Easy Insurance is a solid option for high-risk drivers looking for personalized service, fast SR-22/FR-44 filings, and access to multiple nonstandard carriers. Its agents are attentive, and it offers same-day interlock support partnerships. Breathe Easy is less ideal for clean-record shoppers, and it doesn’t offer the same level of online self-service as a digital-first marketplace.

We review insurance brokers differently from insurance providers, using these criteria:

• User experience: We see how easy it is for potential customers to get quotes and buy a policy through the broker.
• Customer satisfaction ratings: To ensure our reviews aren’t based on limited personal experience, we take into account customer ratings on Trustpilot and the BBB website.
• Online tools: We evaluate how user-friendly the broker’s website is for all customers.

Because available coverage types, discounts, claims processes and premiums vary among providers, we can’t assess Breathe Easy in these areas. Our comprehensive reviews offer detailed information on each auto insurance company. Read more about our ratings and methodology.