Here’s What you Need to Know About Freeway Insurance

Freeway Insurance has impacted the auto insurance market in the last 35 years, first offering non-standard auto insurance. Quotes for Freeway Insurance sit around $1,600 a year for auto insurance and $200 for renter's insurance. If you need different rates for Freeway Insurance, there are several quote tools on its website.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 (BBB A+). 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 and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 5, 2022

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Things to Remember

  • Freeway Insurance has been in business since 1987
  • Freeway started with non-standard auto, but now offers several insurance options
  • You can get a quote on its website or by calling its toll-free customer service phone number

Freeway Insurance has spent the past three decades securing its place as a major insurer in the United States. Starting with only non-standard auto insurance in 1987, the company has grown to encompass a wide variety of insurance products.

You can get access to Freeway Insurance auto insurance quotes by clicking on its website.

If you’re looking for rates for Freeway Insurance, enter your ZIP code into our free quote tool to see what you can pay.

Who is Freeway Insurance?

Freeway Insurance is an American insurance company with more than 500 locations in the United States. The company offers non-standard auto insurance coverage for novice and high-risk drivers whose rates might be a little higher than most other drivers for various reasons.

By 2020, Freeway Insurance has expanded its options to cover:

  • Homeowners
  • Renters
  • Health
  • Motorcycles

While Freeway was begun to offer insurance to high-risk drivers, its success has allowed it to extend to other policy options.

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Who owns Freeway Insurance?

Freeway Insurance was founded in 1987 by Kelly Turton in Orange County, California. The company still has its headquarters in Huntington Beach, California. Since 2008, the company has provided services in both English and Spanish as nearly 50% of its customers identify themselves as Hispanic or Latino. Freeway Insurance has been owned by Confie since 2015. Freeway and Confie were purchased by Alliant Insurance in 2021.

Also in 2021, Freeway became an official sponsor for No. 99, a Chevrolet Camaro driven by Daniel Suarez in the NASCAR Cup Series.

What policies does Freeway Insurance offer?

Originally, Freeway Insurance began as an insurance company offering policies for high-risk drivers. According to the National Highway Traffic Administration, high-risk drivers generally:

  • Are young or inexperienced drivers
  • Have one or more recent auto accidents
  • Have multiple traffic tickets in a short amount of time
  • Have been arrested for driving under the influence (DUI)

Having and maintaining a good driving record will help you in obtaining insurance coverage at lower rates. If you are young or inexperienced, practice safe, defensive driving to show the insurance company you are a good risk.

If you are considered a high-risk driver, the insurer will raise your rates to cover that level of danger you pose to the vehicle and other drivers. Freeway built itself on offering non-standard auto insurance, which is meant for high-risk drivers. These policies traditionally cost more than standard auto insurance.

What is covered under Freeway’s auto insurance policy?

While Freeway Insurance started as a non-standard auto insurance dealer, the company has grown to offer commercial auto policies and discounts for various vehicle safety features and individual occupations or driving habits. Discounts include:

  • Vehicle anti-theft discount
  • Good driver discount
  • Student discount
  • Multi-car discount
  • Military discount
  • Senior discount

With these savings and Freeway’s promise to give you affordable rates, the average annual cost for car insurance is around $1,600.

Freeway Insurance also offers coverage for motorcycles, motorhomes, watercraft, ATVs, and snowmobiles.

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What is covered under Freeway’s renter’s insurance?

Freeway recognizes that you aren’t required to have any form of renter’s insurance. That’s why finding a low rate that covers the cost to replace your belongings is important to help you be secure. Freeway offers multi-policy discounts to help you bundle it with other coverage.

Rates for renter’s insurance depend upon a number of factors, such as your ZIP code. Freeway Insurance offers a renter’s insurance averaging around $16 a month, or about $200 a year. This is a small price to pay for insurance coverage for your:

  • Electronics
  • Clothes
  • Furniture
  • Toys/Games
  • Tools
  • Appliances you purchased

Renters insurance will cover your belongings within the rental space, ensuring you can replace the items if the apartment building is damaged due to fire, flood, vandalism, or other catastrophic events. Renter’s insurance is a great way to make sure your belongings are protected against damage or loss.

What is covered under Freeway’s homeowner insurance?

Where renter’s insurance is meant to cover the belongings within a rental space, homeowner’s insurance covers the actual house and the property within. Because it protects more, coverage will cost more.

In addition to paying for your house and other structures on the property to be repaired, homeowner’s insurance also covers all of the personal items covered by renters insurance. Some policies may also cover hotel expenses if your house is inhabitable due to a catastrophic event such as a fire.

What is covered under Freeway’s health insurance policy?

Freeway’s health insurance policies aren’t as widely available as other insurance options. Freeway Insurance offers health insurance coverage only in the following states:

  • California
  • Arizona
  • Washington
  • Florida
  • Texas
  • Idaho
  • Oregon

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How can I get a Freeway Insurance quote?

Freeway Insurance quotes are available through the tools on the company’s website, depending on what type of coverage you need. To get a quote, you will need a government-issued document (driver’s license, state ID) with:

  • Your full legal name
  • Date of birth, and
  • Property (mortgage or rental agreement)
  • Vehicle information (title, loan-, or lease agreement)

At a minimum, the insurer will ask for basic information about you and the property that you want to be insured. You may have to provide details about any recent accidents or auto insurance claims, but the above basic information will help the company give you a more accurate quote.

How can I file Freeway Insurance claims?

Freeway Insurance has a page on its website on how to file a claim. After an accident, you must collect evidence to show your insurer what happened.

As soon as possible after an accident, you should:

  • Move the vehicles out of traffic lanes, if possible.
  • Call local authorities (9-1-1, if there are serious injuries)
  • Obtain the other driver’s name, contact information, and insurance information (company, policy number, phone number)
  • Get any witnesses’ names and contact information
  • Contact your insurance company
  • Have the damages evaluated
  • Provide any information or evidence to the insurer
  • Share all related expenses
  • Keep all paperwork

If you have all the evidence, your insurer should be able to help you file your claim reasonably quickly.

Freeway Insurance: The Bottom Line

Freeway Insurance has spent more than 30 years growing into a respectable and diverse insurance company. With several products to offer, you can likely get many of your insurance policies at Freeway and save on your rates.

If you need quotes for Freeway Insurance, enter your ZIP code into our free quote tool to see what you could pay.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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