Is American Freedom Auto Insurance Legit?

Last Updated on May 28, 2023

American Freedom Insurance Company is a property and casualty insurance company offering coverage throughout Illinois, Indiana, Pennsylvania, and Tennessee. Founded in 1998, the Mount Prospect, Illinois-based company continues to offer customized insurance products to meet clients’ needs.

Key Takeaways:

• American Freedom Insurance Company is a property and casualty insurance company specializing in auto insurance for drivers in Illinois, Indiana, Pennsylvania, and Tennessee.
• The company has a superior financial strength rating from A.M. Best and sells insurance through independent agents who can tailor coverage to customers’ needs.
• The company accepts drivers with US licenses, Mexican licenses, no licenses, or consular identification cards. It offers discounts for various factors, such as being a homeowner or having an AAA membership.
• The company has mixed reviews online from customers and has a team of bilingual staff for claims handling and customer service.
• Insurance Panda rates American Freedom 3.8/5

What Is American Freedom Insurance Company?

American Freedom Insurance Company is a home and auto insurance company headquartered in Mount Prospect, Illinois.

Backed by 25+ years of experience, American Freedom Insurance Company now serves customers in four states: Illinois, Indiana, Pennsylvania, and Tennessee.

The company is known for insuring most drivers – including drivers without a license, drivers with a license from Mexico, and drivers with a US license. American Freedom Insurance Company has a team of bilingual staff to help with claims handling and customer service.

American Freedom Insurance Company offers multiple insurance products, although the company specializes in auto insurance. They sell auto insurance through a network of independent agents.

How Does American Freedom Insurance Company Work for Car Insurance?

American Freedom Insurance Company specializes in car insurance. The company sells car insurance through independent agents based in Illinois, Indiana, Pennsylvania, and Tennessee.

These independent agents work with multiple insurers – including American Freedom Insurance Company and others. They review your needs, then recommend the best insurance for those unique needs – whether it’s American Freedom Insurance Company or another insurance company.

Overall, American Freedom Insurance Company’s car insurance is similar to the insurance available through larger firms. You can buy minimum liability coverage to get back on the road. Or, you can buy full coverage car insurance for better protection. American Freedom Insurance Company also offers discounts for safe driving, being a homeowner, and having an AAA membership, among other perks.

American Freedom Insurance Company Auto Insurance Coverage Options

Generally, most American Freedom Insurance Company policyholders get minimum liability insurance policies. In fact, depending on your situation, you may only be able to buy liability insurance through the company.

Some of the coverage options available through American Freedom Insurance Company include:

• Liability insurance, including property damage and bodily injury liability coverage
• Collision coverage
• Comprehensive coverage
• Uninsured and underinsured motorist coverage
• Personal injury protection and medical payments coverage
• Other coverages, including rental car insurance, roadside assistance, and more

Because American Freedom Insurance Company serves drivers in Pennsylvania, the company offers no-fault car insurance, including personal injury protection coverage, throughout the state. If you opt into Pennsylvania’s no-fault insurance system, then you can buy coverage through American Freedom Insurance Company.

American Freedom Insurance Company Auto Insurance Features

Drivers in Illinois, Indiana, Pennsylvania, and Tennessee have many options for car insurance. Why pick American Freedom Insurance Company? What makes the company unique?

Here are some of the features of buying car insurance from American Freedom Insurance Company:

A+ (Superior) Financial Strength Rating from AM Best: AM Best assesses the financial strength of insurance companies based on their assets and liabilities. Many medium-sized insurance companies have average financial strength ratings because of their smaller size. However, American Freedom Insurance Company has a rating of A+ (Superior), and the company achieved that rating soon after launching in 1998. That means American Freedom Insurance Company should have no trouble covering liabilities or paying claims in the near future.

Available Through Independent Agents: American Freedom Insurance Company sells car insurance through a network of independent agents across four covered states. Independent agents review your insurance needs, then recommend the best coverage to meet your budget.

Specializing in Auto Insurance: American Freedom Insurance Company is a property and casualty insurance company specializing in auto insurance. In comparison, other companies may specialize in home and auto insurance, among other products.

24/7 Online System for Policy Management: You can access your American Freedom Insurance Company online and adjust certain aspects of your policy.

Low Down Payments: American Freedom Insurance Company charges down payments as low as 18% for a 6-month policy with five installments. You could also pay down payments as low as 9% for a 12-month policy with 11 installments.

Low Monthly Payments and Affordable Pricing: American Freedom Insurance Company was founded to offer competitive prices on car insurance, and the company continues to offer affordable rates on car insurance today.

Accepts Mexican Licenses and Non-Licensed Drivers: Many insurers only work with people who have a US license. However, American Freedom Insurance Company accepts drivers with Mexican licenses and even non-licensed drivers.

Insurance for Drivers with a Matricular Consular ID Card: If you have a consular identification card, also known as a Matricula Consular, you can buy auto insurance through American Freedom Insurance Company.

Available Exclusively in 4 States: American Freedom Insurance Company exclusively serves drivers in 4 states, including Illinois, Indiana, Pennsylvania, and Tennessee.

Accepts Most Drivers: Some insurers are strict about who they cover. American Freedom Insurance Company, however, prides itself on insuring “most” drivers. Whether you have a unique situation, a tough driving history, or any other issues, you could still buy car insurance through American Freedom Insurance Company.

Bilingual Staff: To serve Spanish-speaking drivers, American Freedom Insurance Company has bilingual staff for claims processing and customer service.

American Freedom Auto Insurance Discounts

American Freedom Insurance Company offers a range of discounts to help drivers save money on car insurance.

Some of the discounts available through American Freedom Insurance Company include:

• Multi-car discounts
• Years clean with prior coverage discounts
• EFT and paid-in-full discounts
• Homeowner discounts
• Non-owner car insurance discounts
• AAA, mobile homeowner, and named driver exclusion discounts

Frequently Asked Questions

American Freedom Insurance Company Auto Insurance Reviews

American Freedom Insurance Company was founded in 1998 in Illinois, and the company now serves drivers in four states. The company is legitimate and backed by a quarter century of experience.

Here are some of the reviews and ratings from drivers, industry organizations, and others:

• American Freedom Insurance Company achieved a financial strength rating of A+ (Superior) from A.M. Best soon after launching in 1998, and the company continues to have that rating today. That’s a strong rating based on the company’s assets and liabilities, and it suggests American Freedom Insurance Company will have no trouble covering its obligations, liabilities, or claims in the near future.
• The company has an average rating of 3.7 stars out of 5, with 30+ reviews on ConsumerAffairs. Most customers have given the company a 4-star or 5-star rating. Policyholders like the online claims handling and payment process, the bilingual staff, and the acceptance of most drivers.
• American Freedom Insurance Company has an A+ rating from the Better Business Bureau. The company has an average rating of 1.24 stars out of 5, with 30+ customer reviews. Many negative reviews come from people who were in an accident with a covered motorist and were disappointed with the claims process.
• American Freedom Insurance Company has an average rating of 3.65 stars out of 5 on Clearsurance, which aggregates reviews from 20+ customers. Some customers are happy with the company’s customer service and claims handling, while others are extremely disappointed in how the company handled a recent claim.

Overall, American Freedom Insurance Company fills a niche role in the insurance industry, covering drivers who cannot get coverage through the ordinary marketplace. Because of its unique business model, American Freedom Insurance Company has mixed reviews online and average to poor reviews for its claims handling.

Final Word – American Freedom Review

American Freedom Insurance Company is an Illinois-based insurer that accepts drivers with US licenses, Mexican licenses, and no licenses.

Ideal for those who want basic liability coverage with few add-ons, American Freedom Insurance Company is backed by 25+ years of experience and has a team of bilingual staff for claims and customer service.

To learn more about American Freedom Insurance Company or to sign up today, visit the official website.