Freedom National vs USAA Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Freedom National
Not Rated
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Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

Freedom National VS USAA
Not Rated
96
What is this?
User Ratings
OptionsFreedom National USAA
Rating/Reviews
27 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsFreedom National USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local Agent--About average
Overall Satisfaction--Among the best
Policy Offerings--Among the best
Pricing--Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsFreedom National USAA
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Among the best
Overall Satisfaction--Among the best
Rental Experience--Better than most
Repair Process--Among the best
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionFreedom National USAA
California--894 pt
Among the best
Central--906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic--896 pt
Among the best
New England--893 pt
Among the best
New York--900 pt
Among the best
North Central--905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionFreedom National USAA
Android--
98,577 Reviews
iOS--
3,600 Reviews
Financial Ratings
OptionsFreedom National USAA
A.M. Best--A++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityFreedom National USAA
Austin--$48
Chicago--$47
Philadelphia--$31
Phoenix--$39
Santa Monica--$50

For Single Drivers

CityFreedom National USAA
Austin--$61
Chicago--$69
Philadelphia--$41
Phoenix--$58
Santa Monica--$89

For Male Drivers

CityFreedom National USAA
Austin--$55
Chicago--$59
Philadelphia--$38
Phoenix--$52
Santa Monica--$82

For Female Drivers

CityFreedom National USAA
Austin--$54
Chicago--$57
Philadelphia--$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityFreedom National USAA
Austin--$73
Chicago--$85
Philadelphia--$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityFreedom National USAA
Austin--$51
Chicago--$52
Philadelphia--$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CityFreedom National USAA
Austin--$61
Chicago--$71
Philadelphia--$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

CityFreedom National USAA
Austin--$44
Chicago--$43
Philadelphia--$28
Phoenix--$35
Santa Monica--$49

For Drivers Age of 65+

CityFreedom National USAA
Austin--$71
Chicago--$66
Philadelphia--$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CityFreedom National USAA
Austin--$59
Chicago--$68
Philadelphia--$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CityFreedom National USAA
Austin--$57
Chicago--$55
Philadelphia--$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CityFreedom National USAA
Austin--$45
Chicago--$47
Philadelphia--$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CityFreedom National USAA
Austin--$57
Chicago--$62
Philadelphia--$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typeFreedom National USAA
Good DriverUp to 20%Up to 10%
Multiple VehicleUp to 20%Up to 13%
Claims Free RenewalUp to 15%--
Good StudentUp to 5%Varies
Mature driverUp to 5%--
Paid in fullUp to 5%--
E-billingVaries--
Accident Forgiveness--Varies
Anti-Theft Device--Up to 20%
Anti-lock Brake--Varies
Daytime Running Lights--Varies
Defensive Driver--Varies
Driving training--Varies
Family--Up to 10%
Low Mileage--Varies
Loyalty--Varies
Military--Up to 15%
Multiple Policy--Up to 9%
New Car--Varies
Passive Restraint--Up to 15%
Student Away at School--Up to 20%
Vehicle Storage--Up to 60%
teenSMART--Varies

Payment Methods

Discount typeFreedom National USAA
Automatic Online Payment
yesyes
Credit Card Payment yes--
Debit Card Payments yes--
Electronic Check
yes--
Mail Payment
yesyes
Mobile App Payments
--yes
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Phone Payment
yes--
Prepayment
yes--

Features and Services

Features and ServicesFreedom National USAA
24/7 serviceyesyes
Flexible / convenient paymentsyesyes
Low prices for high risk driversyes--
Mobile app--yes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesFreedom National USAA
Accident Forgiveness
--yes
Extended Coverage
--yes
Gap Insurance
yes--
Glass Coverage yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes

Online Quoting by State

  • Freedom National
  • USAA
  • Both

Uber and Lyft driver insurance

  • Freedom National
  • USAA
  • Both

SR‌-22 Insurance by State

  • Freedom National
  • USAA
  • Both

Compare Insurance Products

ProductFreedom National USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insurance--yes
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Freedom National Reviews
  • USAA Reviews
1.6
5 Stars
11 %
4 Stars
4 %
2 Stars
7 %
1 Star
78 %

Most Positive Review

By Donna
They were good to me. I was just seeing if there were anyone cheaper.

Most Critical Review

By Kristina
Lack of customer service and always changing policy and Payment amount

All Reviews

Showing 1 - 10 out of 27 Reviews
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Read reviews that mention

Darcie L Hilander
This company is WRONG.! I paid for an auto insurance policy in July of 2020 with FREEDOM NATIONAL. I paid 6 months in advance like I always do. My policy was due again the last day of November 2020. Well thank God I didn't have an accident! I am on a fixed income and I had money left over in my account , I found that FN didn't take it out and I had been uninsured for 4days. This is HUGE 4 me as I didn't always have it in the past. I paid it right away just to find an email the very next day cancelling my policy due to them going out of business. The story goes on but I really can't write a novel right now. Just keep in mind THEY DOUBLE CHARGED ME AND SAY THEY CANT REFUND ME! someother company is doing that. STILL NO REFUND and now I can't even afford insurance. For another year! Jerks
David ángel
Un mal servicio no buscan la satisfacción de el cliente y tampoco les interesa q pongas tu vida en riesgo ni las de los demás .
Chris L
Had renewal come up for six-month policy. Had to go to monthly policy for a few months and pay monthly due to finances. On the Free National site a new policy app will not process. They keep transferring me to underwriters Freedom National claims can restructure my policy for monthly. But a quote for Freedom National does not appear for that underwriter. BUT WAIT ! They can get me with Progressive for only 60% more ! I am getting scammed. Went in circles with Freedom National and the underwriter SEVEN times this morning, each time Freedom National promised the underwriter could restructure the Freedom National policy at very close to the same rate.
jewel W
AS I WAS READY TO SIGN MY DOCUMENT'S, I PULL UP THEIR REPORT FROM THE BBB. THANK GOD I DID I WAS NOT HAPPY WITH WHAT I READ. SO WHY GO THIS THIS #### IF U KNOW THAT ALL OF THEIR REPORT ARE BAD!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! DON'T EVEN THINK TWICE ABOUT USING THEIR INSURANCE. THANK YOU !!!!!!!!!! EVERYONE FOR EXPOSING THAT RIP OFF COMPANY. I WILL NOT DO ANY BUSINESS WITH THIS COMPANY!!!!!!!!!!!!!!! DON'T DO IT!!!!!! 02/26/2019 THEY REALLY DON'T DESERVE A STAR
Jean
Horrible customer service, constant fluctuation in monthly billing (meaning it was a different amount every month) and we received different answers from every representative we talked to. Terrible company.
Amber Buckhalter
Cheapest Auto insurance company to keep you legal. No deposit!
FERAS HAJ AHMED
HGA137581
FuckFreedomNational
Applied for insurance and was given all proper documents yet it is showing i have no insurance.
Kristina
Lack of customer service and always changing policy and Payment amount
Kristina
Lack of customer service and always changing policy and Payment amount
Showing 1 - 10 out of 27 reviews

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.