Is Freeway Auto Insurance Good?

Last Updated on December 25, 2025

Freeway Insurance is an independent insurance agency (not an insurance carrier) that helps drivers compare policies from multiple companies—often with a focus on high-risk drivers. 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.

Key Takeaways

• Freeway Insurance is an independent insurance agency, so your policy is typically written by a partner carrier—not Freeway itself.
• Freeway can be a strong option for high-risk situations (like lapses, tickets, or SR-22 filings) where shopping multiple carriers is helpful.
• Always ask for a written breakdown of the total cost, including any agency/service fees and installment/payment fees.
• Claims are filed with the underlying insurance company listed on your declarations page, though Freeway can help point you to the right claims contact.

Freeway Insurance at a glance

• What it is: an independent insurance agency that shops multiple carriers.
• 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 more robust apps/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: they help you shop, buy, and often service the policy—but they typically don’t “own” the insurance risk the way a traditional insurance company does.

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.

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

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

Freeway Insurance contact info

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/