Advertiser Disclosure

Freeway Insurance Broker Review 2020

Feb. 6, 2020
Auto Insurance, Insurance
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Lisa Green
  • Specializes in coverage for high-risk drivers.
  • Sells policies from multiple insurance companies.
  • May charge a broker’s fee and other fees.

Freeway Insurance is a national chain that focuses on auto insurance for drivers with at-fault wrecks, tickets or DUIs on their records who might have a tough time finding coverage. Freeway isn’t an insurance company and doesn’t underwrite its own insurance policies. Instead, Freeway brokers check with several insurers to get quotes for you.

Having someone shop for insurance on your behalf can be convenient, especially if you’ve had trouble finding an insurer that will accept you. However, you may find more options and avoid extra fees by comparing quotes from several companies yourself.

» MORE: Best car insurance companies for high-risk drivers

How Freeway Insurance works

Freeway is an insurance brokerage, which typically means you pay the company a fee to find a policy that fits your needs.

It’s important to note that online car insurance quotes from Freeway may not include the broker’s fee and other extra charges, so you could end up paying more than the price you see when you get a quote.

In most states, brokers must disclose fees, but always ask about extra charges on top of your premiums before you buy. Since Freeway operates in multiple states with different laws, it’s not clear how much the fees may be for you.

Also, be aware that broker’s fees are often nonrefundable. That means if you end up canceling your policy, you may not get back any of the money you paid to a brokerage to find insurance for you.

To avoid a broker’s fee, consider buying auto insurance directly from a carrier or through an independent agent. A car insurance comparison tool can help you get multiple quotes, and you won’t be limited to the companies that the brokerage offers.

» MORE: The best cheap car insurance in 2020

Freeway auto insurance

Freeway says it can provide insurance for any driver, despite blemished driving records or other problems. The company can help place drivers with insurers that can file an SR-22 form, which many states require to prove you have insurance after a DUI or other serious violation.

Freeway sells policies from several large, well-known auto insurers as well as smaller companies that focus on coverage for high-risk drivers. Among its carrier partners for car insurance are:

Some of these insurers have solid financial strength ratings and draw relatively few consumer complaints to state regulators. Other Freeway partners, however, have high rates of complaints and questionable financial strength. When you’re offered a policy from a broker or agent, it’s important to make sure the carrier is a company you can trust.

Freeway Insurance may not give you quotes from all of these companies. The lineup of insurers available to you through Freeway depends on where you live.

Your coverage options and discounts can vary, depending on which carrier you choose. In addition to typical options like comprehensive and collision coverage, you may be able to add extras like gap insurance.

Other insurance from Freeway

As a brokerage, Freeway sells many other types of coverage in addition to auto insurance. Coverage types include:

HomeownersMotorcycle & ATVHealth
RentersMotor homeLife
LandlordSnowmobileIdentity theft
BusinessWatercraftMexican travel

More about Freeway

Freeway sells insurance by phone or online in all 50 states. Its website is available in English and Spanish, and drivers can connect with bilingual agents in person or by phone.

The company has storefronts in more than a dozen states, including Arizona, California, Florida, Massachusetts, Missouri, Nevada, New Mexico, New Jersey, New York, South Carolina, Tennessee, Texas and Wisconsin.

Freeway also offers income tax preparation in most of its offices through Tax Max.

On the Freeway website, you can request a quote, locate an office and learn about payment options. However, only customers in Illinois and Indiana can pay online through Freeway. If you want to look up policy details, ID cards or start an insurance claim, you’ll need to contact the company Freeway sells your policy from.

Recap: Freeway pros and cons

ProsCons
Available in all states.Company may charge a broker fee for finding you a policy.
Offers website and agent assistance in both English and Spanish.Some policies may come from insurers with high customer complaints or financial stability concerns.
Can get insurance quotes from multiple companies.Online quotes may not include all fees.

About the author