UPDATED: Jan 18, 2023

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UPDATED: Jan 18, 2023Fact Checked

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Freeway Insurance

Average monthly rate for good drivers:


A.M. Best rating:


Complaint level:



  • It offers a variety of insurance products as it works with a number of major companies.
  • Its insurance network lets customers get quotes quickly, and Freeway agents will work with customers to find the best plan for their needs.
  • Freeway has a good rating from the Better Business Bureau (BBB).


  • Freeway does not underwrite its policies but brokers for other insurance companies and sells on their behalf.
  • Not all states have in-person agents that you can work with directly.
  • Freeway is not rated by third-party financial ratings companies like A.M. Best.

The Bottom Line

Freeway does not underwrite its own insurance policies, it simply matches you with an insurance company that suits your needs and budget. Freeway is a broker service that will help you find insurance from one of the companies it does business with. While Freeway does have good ratings from the BBB, it is not rated by other sites like A.M. Best.

If you want to use Freeway to find a cheaper auto insurance policy, make sure you are comparing the rates Freeway gives you to other rate estimates. You can also use our free rate comparison tool to shop around at different auto insurance companies in your area and then purchase directly from that company.

Freeway offers quotes for car insurance in all 50 states, so you will be able to use Freeway as a broker no matter what state you live in. You can get quotes online or call Freeway directly. The Freeway quote phone number is 800-777-5620, and the Freeway customer service number is 888-443-4662. You may also call the company’s corporate headquarters at 714-252-2500.

If you’d rather get in touch online, email Freeway customer service at [email protected], or accounts payable at [email protected] Freeway’s corporate headquarters address is 7711 Center Ave #200, Huntington Beach, CA 92647.

Again, bear in mind that there won’t be a number for claims at Freeway, as the claims will be handled by the company that is actually servicing your policy.

Is Freeway Insurance a Good Choice?

Freeway Insurance Services America, LLC, or Freeway, has been around since 1987 and is a broker that helps customers find cheap auto insurance from different insurance companies. It also has a wide range of insurance offerings beyond just car insurance. If you are considering Freeway as your choice for a car insurance distribution company, you should first read our Freeway auto insurance review.

We will go over everything you need to know about Freeway as a company, from its pros and cons to the states where it has offices.

Freeway Reviews and Ratings

Reviews and ratings are important to look at before choosing an insurance company. We’ve outlined the main ratings and reviews below that you should look over before doing business with Freeway.

Freeway Customer Satisfaction and Complaints

Freeway has an A+ rating from the Better Business Bureau (BBB). It also has an average of 4.2 out of five stars from 259 customer ratings on the BBB’s website. These are great ratings and show Freeway has good customer service and business transparency.

As for complaints, there were a total of 183 complaints closed in the last three years and 58 complaints closed in the last year on the BBB’s website. Complaints had to do with trouble communicating with the company and differences between quotes and actual rates paid.

Freeway A.M. Best Rating

A.M. Best is a company that rates the financial strength of companies, so you can check if a company you plan to do business with is in good standing. However, Freeway is not rated by A.M. Best, so its financial status isn’t clear. Instead, you should check the A.M. Best rating of the company Freeway recommends to you.

Freeway Insurance Rates

Unfortunately, we can’t give you an estimate of Freeway’s insurance rates, as it is selling on behalf of multiple different companies and not selling its own insurance products. What we can do, however, is give you an estimate of what different companies charge on average, so you can get a better idea of what rates to expect when comparing companies.

Take a look at the average monthly rates for car insurance below.

Average Monthly Liability-Only vs. Full Coverage Auto Insurance Rates by Company
CompaniesMonthly Liability-Only Coverage Auto Insurance RatesMonthly Full Coverage Auto Insurance Rates
American Family$114$224
Liberty Mutual$203$398
State Farm$120$235
National Average$133$260
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Your quoted rates may be above or below these average rates, depending on your age, location, driving record, choice of company, and more. Take a look at the table below to see how rates can change based on your driving record.

Average Monthly Auto Insurance Rates by Driving Record and Company
CompaniesMonthly Rates with a Clean Driving RecordMonthly Rates w/ One Speeding ViolationMonthly Rates w/ One AccidentMonthly Rates w/ One DUI Conviction
American Family$224$252$310$361
State Farm$235$266$283$303
Liberty Mutual$398$475$517$634

Younger drivers will have some of the highest rates, as well as drivers with a DUI or at-fault accident. Freeway should be able to help you determine which car insurance company will offer the cheapest rates, but it is always wise to double-check on your own to make sure you are actually getting the best deal possible.

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Freeway Insurance Discounts Available

Freeway doesn’t offer discounts, but it will help you find which car insurance company has the best rates and discounts for you. Some common discounts you’ll find at most car insurance companies include:

  • Anti-theft discount. Discount for cars with anti-theft devices, such as a GPS tracking system.
  • Autopay discount. Discount for customers who sign up for automatic payments.
  • Customer loyalty discount. Discount for customers who have been with the company for a specific period of time.
  • Defensive driver class discount. Discount for drivers who take and successfully complete a defensive driver course.
  • Good driver discount. Discount for drivers with a clean driving record.
  • Low-mileage discount. Discount for drivers who have low mileage each year.
  • Military discount. Discount for veterans and active military members.
  • Multi-car discount. Discount for drivers who insure more than one car on the same policy.
  • Multi-policy discount. Discount for drivers who purchase more than one type of insurance from the same company, such as home and auto insurance bundles.
  • Paid-in-full discount. Discount for drivers who pay for their policy in full when signing up, rather than paying their rates monthly.
  • Student discount. Discount for students who have a 3.0 GPA or higher or a B average or higher.

These are some of the most common auto insurance discounts you will see, and most companies offer multiple discounts. Of course, the percentage saved will vary from company to company, and some companies have more discounts than others.

Freeway Insurance Coverage Options

Because Freeway sells on behalf of different companies, you should be able to find your desired car insurance coverages. Most companies will offer the following basic auto insurance coverages, and every company in your state will offer the minimum coverage required there.

  • Bodily injury liability insurance. Pays for other parties’ medical bills if you cause an accident.
  • Property damage liability insurance. Pays for other parties’ property damage bills if you cause an accident.
  • Collision auto insurance. Pays for your car’s repairs if your car is damaged from a collision with another vehicle or object, regardless of who was at fault.
  • Comprehensive insurance. Pays for your car’s repairs if your car is damaged by weather, vandalism, falling objects, animal contact, and other non-accident related events.
  • Medical payments (MedPay) insurance. Pays for any medical bills you or your passengers incur if you are injured in an accident.
  • Personal injury protection (PIP) insurance. Pays for medical bills, lost wages, and more if you or your passengers are injured in an accident.
  • Underinsured motorist insurance. Pays the remainder of your repair bills after an accident if the at-fault driver doesn’t have enough insurance to cover your bills.
  • Uninsured motorist insurance. Pays for your repair bills if the at-fault driver doesn’t have insurance.

Collision and comprehensive insurance aren’t required by states like liability insurance coverage, but if you have a loan or lease on your car, your lender may require them. In addition to the standard insurance coverages above, you can also find the following optional insurance coverages at many car insurance companies.

  • Classic car insurance. Provides coverage for cars that are considered classics.
  • Gap insurance. Pays the difference between a car’s depreciated value and what is left on the lease or loan if a car is totaled.
  • Non-owner insurance. Liability insurance for those who drive but don’t own a car.
  • Rental reimbursement insurance. Helps pay for the cost of a rental car if your car is in the shop for an extended period of time after a covered claim.
  • Rideshare insurance. Protects you when you drive around customers for companies like Uber or Lyft.
  • Roadside assistance insurance. Helps you with breakdowns, battery jumpstarts, locked cars, and more.

These are some of the main add-on coverages that should be offered by most car insurance companies.

Frequently Asked Questions

Does Freeway have full coverage auto insurance?

Yes, full coverage is available. Full coverage consists of state-required insurance coverages, such as liability insurance and/or PIP, as well as collision and comprehensive insurance coverages.

What states does Freeway sell in?

Freeway offers quotes in all 50 states. However, it only has in-person agents and offices in about half of the U.S. states, making it impossible to talk to someone in person unless you live in a state that has an in-person agent.

If you can’t talk to an in-person agent, you can get Freeway quotes online or call Freeway’s quote number at 800-777-5620.

Does Freeway sell insurance besides car insurance?

Yes, Freeway offers broker services for the following insurance coverages besides car insurance: ATV insurance, business insurance, dental insurance, health insurance, homeowners insurance, and more. Freeway offers assistance for a lot more than just car insurance, as you can see from the list above.

Does Freeway have online insurance quotes?

Yes, Freeway offers online car insurance quotes. You can also get quotes by calling Freeway directly. Some of the information you will need to provide includes your address, name, birthday, gender, driving history, and similar details.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker