Is Freeway Auto Insurance Good?
Last Updated on October 16, 2026
Freeway Insurance is an insurance agency, not an insurance carrier. It helps drivers compare policies from multiple companies, often with a focus on high-risk drivers. The licensed business behind the sign is Freeway Insurance Services America, LLC, which holds Texas agency license 19554 and California agency license 6002326. If you want to shop around but prefer working with an agent, and potentially in Spanish, Freeway can be a convenient option for getting quotes by phone, online, or at a local office.
Important: when you buy “Freeway auto insurance,” you’re usually buying a policy from a partner insurance company, with Freeway acting as the agency that sells and services it. That means your price, discounts, claims experience, and financial strength depend heavily on the actual carrier listed on your declarations page.
About Freeway Insurance
Summary
Bottom line: Freeway can be a convenient way to shop non-standard auto coverage with agent support, but you should compare total costs (including fees) and evaluate the underwriting carrier on your declarations page.
Freeway Insurance is an insurance agency, not an insurance carrier. It helps drivers compare policies from multiple partner insurers, often for high-risk situations like tickets, lapses in coverage, or SR-22 needs. The licensed entity is Freeway Insurance Services America, LLC, and the same entity also trades as Cost-U-Less Insurance Center and as Baja Auto Insurance. Because the policy is written and serviced by an underlying insurance company, your claims experience and financial strength depend on the carrier listed on your declarations page rather than on Freeway. Before you buy, ask for a written breakdown of the carrier premium, any agency or service fees, and the full payment schedule including installment fees, so you can make an apples-to-apples comparison.
Best for
- High-risk drivers who benefit from shopping multiple non-standard carriers
- Drivers who need SR-22 help and want an agent to guide the paperwork
- People who prefer phone or in-person support, including Spanish-language help
Not ideal for
- Low-risk drivers who can often get cheaper rates by quoting major insurers directly
- Shoppers who want a single, consistent insurer experience instead of an agency-plus-carrier setup
- People who want minimal fees and a purely self-serve, app-first process
- About Freeway Insurance
- Freeway Insurance at a glance
- So, is Freeway auto insurance good?
- What Freeway Insurance is (and isn’t)
- Freeway, Cost-U-Less and Baja are one licensed business
- How to get a quote from Freeway
- Fees to watch for (this is where many surprises happen)
- Can Freeway help with SR-22 insurance?
- What discounts can you get through Freeway?
- Customer service, payments, and claims
- Pros and cons of buying through Freeway
- Questions to ask before you buy a Freeway quote
- FAQs on Freeway Auto Insurance
- Freeway Insurance contact info
- Sources
Freeway Insurance at a glance
- What it is: an insurance agency that shops multiple carriers. It does not underwrite anything.
- Who it legally is: Freeway Insurance Services America, LLC, on Texas agency license 19554 and California agency license 6002326.
- Who owns it: Confie, which calls itself “The #1 Personal Lines Agency.” Freeway’s own about page says “Freeway Insurance is part of the Confie family of companies.”
- How long: Freeway says it was founded in 1987 and joined Confie in 2008.
- Known for: helping drivers who need SR-22 filings, have lapses in coverage, or have tickets/accidents.
- How you can buy: start online, call an agent, or visit a retail office (availability varies by location).
- What to watch: agency/service fees and installment/payment fees that can make a “cheap quote” less competitive once everything is included.
So, is Freeway auto insurance good?
Freeway can be “good” if you want an agent to shop multiple insurers for you—especially if you’ve had trouble getting coverage due to your record, a lapse, or a required filing. It’s often most helpful when you’re dealing with non-standard situations where options are limited, like when you’re being pushed into an assigned risk plan or struggling to find a carrier willing to write your policy.
On the flip side, if you already qualify for preferred pricing (clean record, continuous insurance, strong credit where allowed), you may find cheaper options, and better apps and self-service tools, by quoting directly with major insurers and then comparing the final out-the-door costs.
What Freeway Insurance is (and isn’t)
Freeway is an agency, not the insurer. That’s a big deal because:
- Your rate is based on the carrier’s underwriting rules (your state, vehicle, and risk profile matter a lot, including your driving history).
- Your claims are handled by the carrier (Freeway can help point you to the right place, but the carrier pays the claim and makes coverage decisions).
- The carrier’s financial strength matters most for claim-paying ability. If you’re worried about “financial stability,” ask who the policy is actually written by and look up that insurer’s ratings and complaint history.
Think of Freeway as the middle layer: it helps you shop, buy, and often service the policy, but it does not own the insurance risk the way an insurance company does.
Freeway, Cost-U-Less and Baja are one licensed business
This is the part most shoppers never find out, and it changes how you should shop. Confie publishes an affiliate disclosure page listing the trading names each of its licensed entities uses. On that page, last updated July 28, 2026, Cost-U-Less Insurance Center and Baja Insurance Services are both listed as trading names of Freeway Insurance Services America, LLC, the same entity that trades as Freeway Insurance. The license numbers on that page belong to that one entity: Texas 19554 and California 6002326.
Three storefront brands, one license holder. The storefronts confirm it from their own side. The footer on the Cost-U-Less site reads “2023 Freeway Insurance Services America, LLC (CA License #6002326) DBA Cost U Less Insurance Center,” and Baja’s reads “© 2025 Freeway Insurance Services America, LLC dba Baja Auto Insurance TX Lic #19554.”
What that means in practice: getting a quote from Cost-U-Less in California, or from Baja in Texas, to check a Freeway quote is not a second opinion. It is the same licensed agency under a different sign, with the same panel of carriers behind it. The same affiliate disclosure lists Access Auto Insurance, A-Abana, Acceptance, Auto Partners, Oasis, USAgencies, Velox and Vern Fonk among that entity’s trading names as well, so if you recognize one of those storefronts, it is trading on the same license. Acceptance is the one to read carefully: the disclosure also names Acceptance Insurance Agency of Tennessee, Inc. as a company in its own right, and that is the name in the footer on acceptance.com, so an Acceptance store may sit under either one.
The wider Confie group has other agencies that are separate licensed entities rather than Freeway trading names, including InsureOne (InsureOne Insurance Services America, LLC) and Estrella (Confie Estrella, Inc). They are siblings, not the same license. Either way, a genuinely independent second quote has to come from outside the group.
How to get a quote from Freeway
You can usually get started in one of three ways: online, by phone, or in person at a retail location. No matter which method you choose, you’ll get the best results if you have the following ready:
- Driver info (name, DOB, license status, violations/accidents)
- Vehicle info (VIN is best, mileage, primary use)
- Current insurance details (limits, deductible, and whether you’ve had a lapse)
- Coverage goals (state minimum vs. stronger protection)
If you’re unsure what coverage you need, start here: types of auto insurance coverage. If you’re trying to build a policy beyond the basics, this guide is helpful too: common auto insurance add-ons.
Fees to watch for (this is where many surprises happen)
Because Freeway is an agency, some quotes may include agency/service fees in addition to the insurance premium. Fees and rules vary by state, but these are common “extras” drivers run into when buying through agencies that specialize in non-standard auto:
- Agency/service fee: a charge for the agency’s work (often non-refundable).
- Policy fee: charged by some carriers, especially non-standard insurers.
- Installment/payment fees: added if you pay monthly instead of paying in full.
- Down payment requirements: non-standard policies often require a larger upfront payment.
Tip: before you say yes, ask for a written breakdown showing (1) the carrier premium, (2) any agency/service fee, and (3) the full payment schedule. Then compare that total against quotes you get elsewhere.
Can Freeway help with SR-22 insurance?
Often, yes. If you need an SR-22, Freeway may be able to place you with a carrier willing to file it in your state. Just remember: the SR-22 is a filing, not a type of coverage—so the goal is to meet your state’s requirements while keeping the overall policy cost manageable. If cost is your biggest concern, read this next: how to find cheaper SR-22 insurance.
What discounts can you get through Freeway?
Discounts are set by the underlying insurance company, not the agency—so availability depends on the carrier, your state, and your driver profile. Still, a good agent can help you uncover every discount you qualify for.
| Potential discount | What it usually requires |
|---|---|
| Multi-car | Two or more vehicles on the same policy |
| Bundling / multi-policy | Auto + renters/home/other lines with the same carrier |
| Paid-in-full | Pay the entire term upfront (often avoids installment fees) |
| Automatic payments (EFT/autopay) | Enroll in recurring payments from a bank account/card |
| Safe driver / claims-free | No recent accidents or moving violations |
| Good student | Qualifying GPA or school documentation (varies by carrier) |
| Defensive driving | Approved course completion (state/carrier rules apply) |
| Usage-based/telematics | App or device that tracks driving behavior |
| Vehicle safety features | Airbags, anti-lock brakes, anti-theft (VIN confirms features) |
| Low mileage | Driving fewer miles than average |
Tip: ask your agent which discounts were applied and which ones you might qualify for after you’ve had the policy for a bit (for example, safe-driving or telematics discounts after enrollment).
Customer service, payments, and claims
Service can feel different depending on whether you work with a local office or a call center. Many customers like having a person they can contact for questions, billing help, or paperwork. Others prefer handling everything through an insurer’s app—so your satisfaction may depend on how hands-on you want your agent to be.
Payments
Payment options vary by state and carrier, but Freeway commonly supports online payments (where available), phone payments, mail payments, and in-office payments.
Claims
You’ll file your claim with the insurance company that actually insures your policy. If you’re not sure what to do after an accident, follow these steps: the proper way to file an insurance claim after an accident. Freeway may be able to help you find the right claims phone number and paperwork, but the carrier controls the investigation and payment process.
Pros and cons of buying through Freeway
Pros
- Access to multiple carriers (helpful when you’re hard to insure)
- Agents can walk you through SR-22 filings and other paperwork
- In-person help may be available in your area
- Bilingual support is a plus for many drivers
Cons
- Agency/service fees can make the total cost higher than expected
- Digital tools depend on the underlying carrier (not all non-standard carriers have great apps)
- Your experience can vary by office, agent, and carrier
- Not always the cheapest choice for drivers who qualify for preferred rates
Questions to ask before you buy a Freeway quote
- Which insurance company is actually writing this policy? (Get the carrier name in writing.)
- What is the total cost including all fees? (Agency/service fee, policy fee, installment fees.)
- What are the coverage limits and deductibles? (Don’t compare price without matching coverage.)
- How do I make payments? (Online, carrier-direct, by phone, in office.)
- If I need an SR-22, when will it be filed? (Same day? 24–48 hours? Ask for confirmation.)
- What’s the cancellation process and what is refundable? (Fees are often non-refundable.)
FAQs on Freeway Auto Insurance
My advice: get the Freeway quote, then get one from an agency with no tie to Confie, and one straight from a carrier that sells direct. Three quotes, same limits, same deductibles, same day. And when the Freeway agent gives you a price, ask for the carrier’s name before you ask about anything else. That name is the thing you are actually buying.
Freeway Insurance contact info
Both numbers below are printed on Freeway’s own contact page, read October 6, 2026.
Website: https://www.freeway.com/
Get a quote by phone: 800-777-5620
Customer service: 888-443-4662
Find a local office: https://locations.freeway.com/
Online bill pay (where available): https://quickpay.freeway.com/
Sources
Checked October 6, 2026
