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Last updated: June 15, 2024

Freeway Auto Insurance Review

Freeway is an insurance broker that connects you with affordable policies in your area.

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Freeway Insurance was founded in 1987 and acquired by Confie in 2008. It’s an insurance distribution company, also known as a broker. It’s not an insurance provider; instead, it works much like an independent agent but on a much larger scale—you can request an insurance quote based on your personal details, and it will provide you with the best options from various insurance companies.

Freeway agents will also work with you to make sure you understand the policy options and help you through the purchase process. The company has both English and Spanish-speaking agents and brokers many different types of insurance policies, including auto, home, renters, motorcycle and life insurance. It provides insurance for all 50 states and has offices in 22.

If you’re shopping around for quotes, Freeway can be a useful and efficient option. I’m a senior editor and analyst at and a State Farm auto insurance customer. I have recently gotten quotes from other insurers and regularly compare rates, so I will pull from my experience as well as my industry knowledge to walk you through how Freeway works and whether it’s a good choice for you.

Looking for more? Check out our round-up of the best auto insurance companies, as well as the best cheap companies and the best for teens.

Quick Look: Freeway Pros & Cons


  • Provides wide range of quotes and coverage options from different insurers

  • Easily start a quote online

  • Available in all 50 states and Washington, D.C.


  • Not an insurance provider

  • You may need to call an agent to receive your quote

How Freeway Insurance Works

Freeway Insurance is an insurance broker, not an insurance provider. This means it essentially connects customers to its partner insurance companies that are good fits for their needs, but doesn’t actually administer the policies.

You can get quotes through Freeway — either online, over the phone or at a local office — and work with its agents through the purchase process and for any policy changes, but you will deal with your insurance company directly for any claims or billing issues.

Freeway can also help find insurance for high-risk drivers with prior violations who may be having trouble finding appropriate policies on their own.

Who Is Freeway Auto Insurance Best For?

Freeway is a useful option for those who want to easily compare a wide range of insurance options in their area.

Freeway Is Best for Those Who:

  • Prefer to work with a broker for easy and personalized quotes instead of doing the research themselves
  • Are not sure what companies are available in their area or what coverage they need and want the help of an agent to compare options
  • Have prior violations or require an SR-22 and want help finding auto insurance

Freeway Is Not Best for Those Who:

  • Don’t want to deal with a middleman and prefer to work directly with an insurance company
  • Already know which companies they want to get quotes from and would prefer to get quotes individually
  • Prefer in-person service and don’t live in one of the 22 states where Freeway has a local office

How Much Does Freeway Car Insurance Cost?

Freeway itself does not set auto insurance rates, so the rate you pay will depend on the car insurance company you end up going with. However, Freeway will do its best to prioritize the most affordable quotes that fit your needs.

Our aggregated data shows that the average cost of a full coverage policy nationwide is $1,924 per year, and the average national cost of a minimum coverage policy is $547 per year, which provides a reference point, but your rates will vary based on your location. If you’re considered a high-risk driver, you should also expect to pay more.


Here are our picks for the best insurance for high-risk drivers.

Below are the average costs for major national insurers that Freeway may match you with to give you an idea of what you might pay:

Company Average annual premium for full coverage Average annual premium for minimum coverage
Allstate $2,639 $597
American Family $1,785 $713
Farmers $2,320 $634
GEICO $1,572 $413
Nationwide $1,805 $613
Progressive $1,891 $481
State Farm $1,697 $482
Travelers $1,630 $530
USAA $1,322 $356

How You Can Save on Your Policy With Freeway

Again, since Freeway isn’t actually an insurance provider, it doesn’t provide any discounts, but it will apply any auto insurance discounts that you’re eligible for to your quotes if the insurance company offers them.

I started the quote process on Freeway’s website, and it specifically asked me if I may be eligible for the following five discounts:

  • Good student discount: You usually qualify if you or a driver on your policy is a full-time student and maintains a B average or higher.
  • Active military or veteran: Some insurers offer discounts to military members and their families.
  • Locked garage: Having a locked garage makes it less likely that your car will be stolen or damaged while parked there, so some insurers offer a discount for that.
  • Homeowner: Certain insurers offer discounts just for being a homeowner, but you’ll more often find bundling discounts if you insure your car and home (or bundle another insurance policy, like renters or life insurance) with the same insurer.
  • Prior insurance: You may qualify for a discount if you’ve been continuously insured  — specifically, Freeway prompts you to select your prior insurance carrier that you’ve had for at least three months.

Freeway Quote and Purchase Process

You can start the auto insurance quote process with Freeway online, over the phone or in person at a local office. You can search for offices on Freeway’s website if you live in one of the 22 states where it currently has physical locations.

I started the quote process on the website, and it was quick and easy. The site asks for personal details, vehicle information and driving history, which is standard for car insurance quotes. Once I had input all my details, it said I could speak with an agent or buy my policy online, but there was only an option to speak with an agent. I assume this depends on your location and circumstances, but it can be frustrating if you’re expecting an online quote and end up needing to call to get the details.

Freeway Insurance Call for Quote

If you’re interested in a policy that Freeway suggests, you’ll be able to chat through the details with the agent to make sure it fits your needs. They’ll then be able to put the purchase through and the insurance company will take it from there.

What Types of Auto Insurance Coverage Does Freeway Offer?

Freeway is just the middleman, so it offers coverages that are provided by the insurance companies it matches you with. This includes basic auto insurance coverages, like liability coverage, collision and comprehensive coverage (referred to as full coverage), personal injury protection and uninsured motorist coverage.

It will also ask if you prefer the minimum coverage required by your state or full coverage, and you can inquire about additional coverages that you’re interested in. Some of the most common add-on coverages offered by insurance companies that may be available through Freeway are:

Coverage What it covers
GAP Insurance If you total your car, this covers the difference between the current value and your remaining loan or lease balance.
Roadside Assistance If your car breaks down, this covers certain roadside services such as tire replacement, towing, and gas delivery.
Rental Car Reimbursement This covers the cost of a rental car if you need to rent one because your car is being repaired as a result of a covered claim.
New Car Replacement If you total your car or it’s stolen, this can pay for a new car of the same make and model.
Classic Car Coverage Specialized coverage for classic or antique cars that you may not drive frequently.


I recommend getting full coverage insurance for added financial protection in the event of an accident, especially if you have a newer vehicle.

Freeway: Customer Satisfaction

Freeway has high ratings on customer review sites Trustpilot (4.6 out of 5 stars) and the Better Business Bureau (BBB) (4.32 out of 5 stars). Positive reviews note that customers had a great service experience with Freeway and that the process was seamless. Many people also noted that they secured affordable insurance and were offered better rates than what they found on their own. Reviewers have also had a great experience finding affordable SR-22 insurance.

Negative reviews mainly focus on hidden fees, including some broker fees that some people seem to have been charged, as well as some unsatisfactory experiences with an agent.

Category Freeway score
Trustpilot1 4.6 stars
BBB2 4.32 stars

Filing a Claim With Freeway

Since Freeway is an insurance broker, you won’t actually file a claim with the company. Instead, you’ll need to go to your insurance company’s website or mobile app or call an agent, depending on its particular process, to file a claim and start the adjustment process.

Freeway's Website and Mobile App

Freeway’s website is user-friendly and prompts you to start a quote for various types of insurance right on the homepage. You can also browse available insurance products and make a payment. You won’t be able to actually manage your policy, as you’ll have to go to your insurer’s website to do so.

Freeway also doesn’t have a mobile app, but you’ll be able to use the app of the insurance company you end up going with, assuming it has one.

Frequently Asked Questions

Is Freeway Insurance a real company?

Yes, Freeway Insurance is a real company. However, it’s not an insurance company — it’s an insurance broker. It can help you find an insurance policy that suits your needs, but you’ll deal with your insurance company directly if you need to file a claim.

Who owns Freeway Insurance?

Freeway Insurance is owned by Confie, which acquired it in 2008.

How many locations does Freeway Insurance have?

Freeway Insurance currently has over 550 physical offices in 22 states.

Methodology – How We Review Insurance Companies

We assess companies on the following:

  1. Pricing and coverage: We look at the coverage offered in relation to the competitiveness, discounts and affordability.
  2. Customer experience: We use our firsthand experience as auto insurance customers ourselves to provide insights into the shopping process and ease of engagement with a provider.
  3. Claims handling: Claim fulfillment is the key role of an insurance company, so our evaluation involves analyzing claims processes using third-party data, customer feedback and our own experience.
  4. Industry ratings and reviews: We use data from independent agencies to evaluate factors such as financial strength, complaint records and customer satisfaction.
  5. Digital tools and technology: We access digital tools ourselves and consult customer reviews to assess the ease of use of websites, mobile apps and online account management features.


  1. Freeway Insurance. Trustpilot. (2024).

  2. Business Profile: Freeway Insurance. Better Business Bureau. (2024).