Freeway Auto Insurance Review 2024

Freeway can help you find a policy through its partners even if you're a high-risk driver, but you may have to pay extra fees.
Profile photo of Kayda Norman
Written by Kayda Norman
Lead Writer
Profile photo of Ben Moore
Edited by Ben Moore
Assistant Assigning Editor
Fact Checked

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

NerdWallet was not able to rate Freeway for overall performance because there is no financial strength rating information available for the company. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

Freeway Insurance is a national chain that focuses on auto insurance for drivers considered “high risk," such as those with at-fault wrecks, tickets or DUIs on their records. Freeway isn’t an insurance company and doesn’t underwrite its own insurance policies. Instead, Freeway's insurance 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.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.

Freeway pros and cons



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.

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.

In most states, brokers must disclose fees. Still, before you buy, always ask about extra charges on top of your premiums. Freeway operates in multiple states, each with its own laws, so fees will vary.

Broker fees are often nonrefundable. That means if you end up canceling your policy, you may not get back any of the money you paid the brokerage to find insurance for you.

To avoid a broker 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.

Freeway auto insurance coverage

When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

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:

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 will also vary, depending on which carrier you choose.

Keep in mind, too, some of Freeway's carrier partners 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.

🤓Nerdy Tip

First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.

More about Freeway auto insurance

Website: Freeway’s website, available in both English and Spanish, allows visitors to request a quote, locate an office and learn about payment options. Most of Freeway's carrier partners offer online payment options through their external websites, which policyholders can find on Freeway's website. Customers can also pay their premiums over the phone, in person at a Freeway retail office, or by mailing a check or money order to Freeway. Other online services, such as viewing policy details or filing a claim, may also be available through carriers' sites.

Other insurance from Freeway

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

  • ATV and snowmobile insurance.

  • Business insurance.

  • Commercial auto insurance.

  • Homeowners insurance.

  • Landlord insurance.

  • Life insurance.

  • Motorcycle insurance.

  • Motorhome insurance.

  • Renters insurance.

  • Watercraft insurance.

  • Health insurance.

Frequently asked questions

Freeway sells insurance by phone or online in all 50 states.

Yes, you can. The company has storefronts in more than 20 states, including Alabama, Arizona, California, Colorado, Florida, Idaho, Illinois, Indiana, Kansas, Louisiana, Massachusetts, Missouri, Nevada, New Mexico, New Jersey, New York, Oregon, South Carolina, Tennessee, Texas, Washington and Wisconsin.

You can reach Freeway Insurance by dialing 800-777-5620.


Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.

In this review . . .