Freedom National Auto Insurance Review: Ratings and Quotes (2024)

Freedom National car insurance is best for drivers with multiple traffic violations or accidents, or drivers who need SR-22 insurance.

Bob Phillips
Written byBob Phillips
Bob Phillips
Bob Phillips
  • 15+ years in personal finance advising and writing

  • Holds Chartered Life Underwriter (CLU) designation

Bob has spent 15+ years helping people plan their financial lives. As a freelance writer, he’s covered insurance, mutual funds, stocks and bonds, and more.

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Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated June 20, 2024

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Based in California, Freedom National currently only provides car insurance in three additional states: Arizona, Georgia, and Utah. Though it offers coverage to drivers with clean driving records, Freedom National primarily serves high-risk drivers with a poor driving record, bad credit, or SR-22 insurance requirements.[1]

The company hasn’t received any major financial strength ratings, but Freedom National does have an A+ rating from the Better Business Bureau (BBB).

Quick Facts
  • Freedom National’s customer service hours are Monday through Friday from 8 a.m. to 5 p.m. Pacific time.

  • The company pays close attention to state-minimum insurance when issuing policies.

  • Average rates from Freedom National cost more than the national average.

What is Freedom National auto insurance?

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IQ Score
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Freedom National began operations in 1999 and currently sells car insurance in four states. The company offers standard coverage options to drivers with clean driving records, but it also provides car insurance to new drivers and people with imperfect driving records.

Like most traditional insurers, Freedom National generates revenue by accepting premium payments from policyholders in exchange for financial protection following a car accident resulting in property damage or injury. To get coverage, you must submit an application and pay for the first month’s premium.

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Freedom National pros and cons

Before committing to Freedom National or another auto insurer, you should carefully consider the company’s advantages and disadvantages — especially if you have certain nonnegotiable personal requirements for the insurer you purchase coverage from.

Pros
  • Insures drivers with poor driving records

  • Provides online quotes and coverage application

  • Coverage meets or exceeds your state’s minimum requirements

Cons
  • Only offers auto coverage in four states

  • Limited customer service hours

  • Doesn’t have a Trustpilot rating

Average cost of Freedom National auto insurance

Freedom National’s car insurance rates for full coverage are substantially higher than the national average of $253 per month.

For example, full coverage for a driver with a clean record averages $478 per month with Freedom National, which is almost twice the national average. However, for drivers with a DUI conviction, the rate is nearly quadruple the national average, at $951 per month.

Freedom National’s rates are much higher because its target market consists of drivers with speeding tickets, at-fault accidents, DUIs, poor credit, and drivers who need SR-22 insurance.

Learn More: The Insurify Guide to SR-22 Insurance

Learn More: The Insurify Guide to SR-22 Insurance

Freedom National car insurance coverage

Freedom National offers typical auto coverage options. For example, you can choose to carry basic liability coverage that meets your state’s minimum-coverage requirements for bodily injury and property damage liability or full-coverage insurance with collision and comprehensive coverage.[2]

Freedom National also sells several optional add-ons, including:

  • Uninsured/underinsured motorist protection: This coverage pays for damage to your vehicle if you have an accident with an uninsured or underinsured driver. This reduces your out-of-pocket exposure with an accident involving a motorist without sufficient coverage to pay for your repair costs.

  • Rental reimbursement: Paying based on an amount specified in your policy, rental reimbursement coverage reimburses you for daily rental-car costs following covered damage.

  • Towing: This coverage can save you money if you need to tow your car to a dealership or repair shop. Your policy will specify the maximum mileage covered for a tow.

Freedom National car insurance rates by state

Your car insurance rates with Freedom National will depend on the state you live in. Location-based factors like minimum insurance requirements, population density, weather, frequency of claims filing, accident rates, and crime statistics can all influence the average rates in a particular state, city, and ZIP code.

On average, Freedom National policyholders pay $198 per month for liability and $500 per month for full coverage.

StateAverage Quote: Full CoverageAverage Quote: Liability Only
Arizona$210$122
Georgia$638$298
Utah$158$116
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Freedom National auto insurance rates by driving history

Your car insurance rates depend on many factors, but your driving record has one of the largest effects on your insurance premiums. Insurers will charge you higher rates if you have a history of speeding tickets, at-fault accidents, DUIs, or other serious moving violations, because that record demonstrates a greater likelihood of submitting a claim.[3]

Drivers with a clean record tend to earn the cheapest average rates, but Freedom National rates are generally more costly than many other insurers. Average liability-only premiums for someone with an accident start at $275 per month.

Driving HistoryAverage Quote: Full CoverageAverage Quote: Liability Only
Clean Record$478$192
With Speeding Ticket$640$258
With At-Fault Accident$683$275
With DUI$951$383
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Freedom National car insurance rates by age

A driver’s age is also a significant factor insurers consider when calculating rates. Teen drivers generally pay the highest rates, while drivers in their 50s pay the lowest. Rates typically increase again for Freedom National drivers in their 60s, 70s, and 80s.

On average, car insurance for teens costs $468 per month, and drivers in their 50s pay $280 per month.

Age GroupAverage Monthly Quote
Teenagers$468
Younger than 25$385
25-29$331
30s$322
40s$322
50s$280
60s$285
70s$318
80+$353
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get a Freedom National car insurance quote

You can get a car insurance quote from Freedom National on the company’s website.

Follow these steps to receive your quote:

  1. Decide the type and amount of coverage you want. The first step in getting your quote is deciding if you want liability-only or full-coverage insurance. You also need to choose any add-ons you want, like rental reimbursement or towing coverage.

  2. Choose your deductible. Selecting a higher deductible typically results in a lower premium. But don’t choose a deductible you can’t afford to pay out of pocket if you file a claim.

  3. Gather the necessary information. Freedom National will ask for your ZIP code, average monthly mileage, driving history, age, and marital status. You also need to provide your vehicle year, make, and model.

  4. Go to the website and get your quote. Freedom National’s website allows you to get your quote immediately after you enter the required information. If you choose the company as your insurer, you can also complete your application online.

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Freedom National car insurance discounts

Taking advantage of discounts can help you lower your car insurance rates. Specific discount availability varies by state.

Freedom National offers the following discounts:

  • Pay-in-full: You may receive a discount if you choose to pay your premium in full instead of monthly.

  • Anti-theft device: Any device that helps prevent automobile theft — like alarms, stereo anti-theft systems, and more — can result in a discount.

  • Multi-car: If you insure more than one vehicle with Freedom National, you may benefit from a discount.

  • Good driver: Having a clean record could result in a safe driver discount.

Freedom National insurance bundling options

Because Freedom National only sells car insurance, you can’t earn a discount by bundling car insurance with another type of insurance product. With other insurers, you can often bundle auto insurance with home or renters insurance.

Freedom National insurance reviews and ratings

You can look at numerous review sites and rating services to help you make informed decisions in choosing the insurer that works best for your insurance needs.

Compared to many of its competitors, Freedom National is a relatively young insurance company, and it  only operates in four states. Because of this, the company has received limited reviews and ratings from insurance industry sources.

Freedom National customer reviews

Though not many Freedom National customer reviews exist online, the ones that do are primarily negative.

Though the Better Business Bureau has not extended accreditation to the company, Freedom National does have an A+ rating on the BBB website. Two of the three customer review comments regarding Freedom National on the BBB website are negative. Freedom National hasn’t received customer reviews on Trustpilot.

Freedom National ratings

Like customer reviews, Freedom National hasn’t been rated by many industry players. The company isn’t rated by A.M. Best, S&P Global, Weiss, or Moody’s, which rate insurers based on financial strength and claims-paying ability.

And, Freedom National isn’t listed on the National Association of Insurance Commissioners (NAIC) website. However, it has earned an A+ rating with the BBB.

Check Out: Insurify’s Guide to Car Insurance Companies and Their Ratings

Check Out: Insurify’s Guide to Car Insurance Companies and Their Ratings

Freedom National vs. other insurance companies

The car insurance market is highly saturated and competitive, meaning you have a lot of options when shopping around for coverage. See how Freedom National compares to a few of its competitors below, in cost and industry standing.

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Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageA.M. Best J.D. Power
Freedom National $198$500Not ratedNot rated
Amica$335$408A+ (Superior)Not rated
Farmers$217$316A (Excellent)815
Progressive$161$238A+ (Superior)819
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Freedom National vs. Amica Mutual

Founded in 1907, Amica is a mutual company owned by its policyholders. Freedom National is privately owned. Unlike Freedom National, which sells only car insurance, Amica qualifies as a multi-line company because it also sells other products, including homeowners and life insurance.

Amica offers drivers many more discounts than Freedom National. Top savings opportunities include bundling, good student, and multi-vehicle discounts. On average, full-coverage insurance costs $408 per month, which is about 15% lower than Freedom National’s average monthly rate of $478.

Freedom National vs. Farmers

A nationally known insurance company, Farmers sells its policies through company agents with brick-and-mortar offices throughout the states it services. Freedom National only provides quotes and sells coverage online.

Average monthly rates for full-coverage insurance cost much less with Farmers than Freedom National. Policyholders pay $316 per month with Farmers, compared to $478 with Freedom National. Unlike Freedom National, Farmers doesn’t explicitly target drivers with poor driving records.

Freedom National vs. Progressive

Progressive offers many other products in addition to car insurance. The company sells its policies through independent insurance agents instead of only selling online like Freedom National.

Of the insurers compared to Freedom National, Progressive has the lowest monthly rate for liability-only and full-coverage insurance, at $161 and $238, respectively.

How to file an auto insurance claim with Freedom National

If you have coverage with Freedom National, you need to notify the company of an accident or damage to your vehicle by filing a claim. While many car insurance companies let you file your claim online or through a mobile app, you can only file a claim with Freedom National over the phone.[4]

Freedom National Insurance FAQs

Deciding which auto insurer works for your insurance needs can feel stressful. The information below should help you decide if you should purchase coverage from Freedom National.

  • Is Freedom National legitimate?

    Yes. Freedom National is a legitimate car insurance company operating in Arizona, California, Georgia, and Utah. It earned an A+ rating from the Better Business Bureau.

  • Is Freedom National car insurance worth it?

    You may want to consider Freedom National car insurance if you have a poor driving record and live in one of the few states with available coverage.

    However, you can likely find better coverage from more-established insurers. And, if you have a clean record, you can earn more affordable rates with top car insurance companies like Farmers and Progressive.

  • What’s the average cost of Freedom National car insurance?

    A policyholder with a clean driving record pays $478 per month for full-coverage insurance and $198 for liability coverage with Freedom National. With a DUI, average rates for full coverage increase to $951 per month.

  • Who owns Freedom National Insurance?

    Freedom National Insurance is a privately held corporation.

  • Who should get Freedom National insurance?

    Freedom National may be a good choice for car insurance for someone not eligible for standard coverage because of bad credit or a poor driving record.

Sources

  1. Freedom National. "Why Choose Freedom?."
  2. Insurance Information Institute. "Auto insurance basics."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. Freedom General. "Auto Insurance Claim Process."
Bob Phillips
Bob Phillips


Having spent more than 15 years helping people plan their lives financially, Bob
mastered many different financial products to help people achieve their financial
goals, including life insurance, disability insurance, mutual funds, and stocks and
bonds. He earned the Chartered Life Underwriter (CLU) designation and held
numerous securities licenses. Bob is an internationally published poet and is now
a freelance writer living in North Texas with his wife and Doberman puppy.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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