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Freedom National Car Insurance Review (With Quotes, Updated May 2022)

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Amy Beardsley

By: Amy Beardsley

Edited by Jackie Cohen

Last Updated April 5, 2022

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Freedom National in a Nutshell

  • The average cost of car insurance with Freedom National is $216 per month.
  • Freedom National is good for drivers who want the convenience of shopping for and buying auto insurance online and drivers with multiple tickets on their record.
  • Freedom National isn't the best option for people who want to bundle multiple policy types or who live outside of California, Arizona, and Utah.

Car insurance can be expensive. Freedom National Insurance policies cost $216 per month on average. Because auto insurance coverage is a major expense for most people, it’s important to find the right car insurance for your needs and budget. With this Freedom National auto insurance review, you’ll learn about quotes and coverage options.

You want to protect your family and yourself when driving, but finding the best car insurance rate is difficult. Insurify is here to help! Browse a wide range of plans at affordable rates with quotes and coverage available online. Get a quote now and start saving money on car insurance.

Freedom National Industry Rankings and Scorecard

Freedom National is accredited by the Better Business Bureau (BBB) and has earned an A+ rating. However, the National Association of Insurance Commissioners (NAIC) doesn’t include the company in its database, nor is it rated by A.M. Best, Standard and Poor’s, or J.D. Power.

Industry RankingFreedom National Rating
Better Business BureauA+

Freedom National Car Insurance Quotes by Driver History

Driving history is one of the most important factors in calculating car insurance rates. The number of driving violations you have had will affect the underwriting process and your car insurance rates. Having more tickets, at-fault accidents, and DUIs can increase your rates. If you have a clean driving record, you’ll find it’s much easier to get a good quote.

Driver ProfileFreedom National Average Monthly PremiumNational Average
Clean Record$238$77
DUI$230$155
At-Fault Accident$331$113
Speeding Ticket$296$104
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Freedom National Car Insurance Quotes by State

The state you live in will have a big impact on the cost of your insurance—different states have different laws and requirements for auto insurance. Some states require higher levels of coverage than others, which will affect rates for all types of drivers. The more coverage you purchase, the higher your rates will be.

StateFreedom National Average Monthly Premium
Arizona$168
California$146
Georgia$318
Illinois$206
Tennessee$222
Texas$311
Utah$146
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Freedom National Car Insurance Pros and Cons

Drivers with multiple tickets or who need an SR-22 policy can do well with coverage from Freedom National. It’s an excellent option for high-risk motorists. Policies are available in California, Arizona, and Utah only, but they can be bought entirely online.

Pros

  • Great choice for drivers who need SR-22 policies

  • Offers quotes and coverage entirely online

Cons

  • Rates are higher than the national average

  • Only available in California, Arizona, and Utah

Freedom National Car Insurance Discounts

Depending on where you live, you could be eligible for car insurance discounts from Freedom National. Discounts are a great way to lower your car insurance costs. Drivers often qualify for multiple discounts, offering an opportunity to save more on auto coverage.

Driver-Based Discounts

The good driver discount from Freedom National can lower your rates. If you have a good driving record for 36 months, you can qualify for a discount of up to 10 percent.

Policy-Based Discounts

Freedom National rewards loyalty. When you renew your policy, you could qualify for savings up to seven percent if you haven’t had any auto insurance claims.

Freedom National Car Insurance Coverage Options

Freedom National is an excellent choice for drivers looking for SR-22 auto insurance. However, the company also offers insurance products like basic liability, property damage, comprehensive coverage, collision coverage, uninsured motorist bodily injury (UMBI), and gap coverage.

The combination of policies that’s right for you depends on your needs. If price is the highest priority, opting for minimum liability coverage can be the best option for cheap car insurance. However, adding comprehensive, collision, or another optional car insurance coverage to your policy can increase your protection.

Freedom National Rental Car Coverage

Most Americans need a vehicle to get to work, run errands, or take their kids to soccer practice. Rental reimbursement coverage can help if you get in a bind. For example, if your car needs repairs after a covered car accident, your rental car coverage from Freedom National can cover the cost to rent a car until yours gets back on the road.

Freedom National Custom Parts and Special Equipment Coverage

Even the best insurance providers don’t usually cover aftermarket upgrades. If you have custom rims, paint, or other aftermarket equipment, you’ll want to restore those items if you’re ever in an accident. Custom parts and special equipment coverage can pay for custom options and aftermarket equipment so you aren’t stuck footing the bill.

Freedom National Towing and Labor Coverage

After an accident, you may find yourself facing a large towing bill. Freedom National has an add-on insurance option that can help when you need roadside assistance. It’s called towing and labor coverage, and it can cover the cost of towing and labor after an accident.

Freedom National Auto Loan/Lease Payoff

Also known as gap coverage, auto loan/lease payoff can save you money if your car is damaged beyond repair by paying the difference between what you owe on your car and what it’s worth.

Freedom National Car Insurance Reputation

Is Freedom National car insurance good?

Freedom National car insurance ranks generally well for claims and customer satisfaction, financial strength, and affordability. The average monthly cost for a policy with Freedom National is $216.

Freedom National has a reputation for offering affordable coverage to high-risk drivers. However, people with a good driving record are likely to find better rates with another company. Still, Freedom National has earned fairly positive reviews from policyholders.

Freedom National Customer Service

Policyholders have rated Freedom National with 4.7 out of 5 stars on review site TrustSpot. Many claim the company’s insurance agents provided “great customer service” and “very smooth and timely service online.” Freedom National customer service is available by calling the phone number 1 (888) 542-4222 or emailing through their portal.

Freedom National Claims Filing Process

Freedom National doesn’t have an online claims-filing option on its site at freedomgeneral.com. You can report claims by phone only. You’ll need your name, policy number, driver’s license number, and information about the other driver and the accident when you report a claim.

Freedom National: Is it right for you?

Freedom National Insurance Services is a company that offers auto insurance policies to high-risk drivers. The insurance agency offers coverage for residents of California, Arizona, and Utah only. If you’re shopping for car insurance, Insurify can help you get a great rate, no matter where you live. Get a free quote today!

Frequently Asked Questions

  • Freedom National has been in business over 20 years and has earned favorable reviews for its customer service. It’s a good choice for drivers who need SR-22 coverage, but it might not be the right insurance company for you. Compare quotes from multiple companies to make sure you’re getting the best coverage and rate.

  • The average monthly cost of car insurance with Freedom National is $216. The company offers discounts to help you save money on premiums. However, how much you pay depends on your driving record, location, age, car type, and other factors.

  • Discounts are a great way to lower your car insurance premiums. With Freedom National, you may be eligible for discounts for having a good driving record or a claims-free policy renewal.

  • It’s not always easy to find the cheapest car insurance. But it’s possible if you compare rates from different companies and ask about discounts when getting a quote. The quickest and easiest way to get the cheapest car insurance is to use Insurify. You’ll get multiple quotes from top auto insurance companies in seconds.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Amy Beardsley
Amy Beardsley
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Content Writer at Insurify

Amy is a content marketing writer who specializes in personal finance and technology. With a background in the legal field, she has a talent for transforming complex topics into content that’s easy to understand. When she’s not writing, she enjoys reading and playing board games with her family. You can learn more at amybeardsley.com.

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