In our huge national
car insurance
found that Freedom National customers rated this provider at 3.5 out of 5 overall. However, some drivers mentioned that this insurance company offered higher rates than some of its competitors.

Comprehensive Freedom National car insurance review

Freedom National, sometimes called FreedomGeneral Insurance, is known for offering affordable rates to
high-risk drivers
, who typically have difficulty finding cheap car insurance quotes. Policyholders love their options for high-risk drivers and affordable prices but found them to be lacking in some key areas, including customer service.

So, is Freedom National a good car insurance company?

Overall, yes—for some drivers. We analyzed thousands of Freedom National reviews, and here’s what we found.
Insurance for high-risk drivers: Freedom National offers options for drivers with a spotty record.
Tech-savvy online service: You can find quotes, make payments, and file claims online with this insurer.
Affordability: High-risk drivers in particular found Freedom National’s rates to be fairly priced.
High ratings: Freedom National earns excellent scores from independent rating agencies.
Limited availability: Freedom National is only available in
Customer service: Drivers rated Freedom National poorly for their customer service experience, mostly due to this provider’s emphasis on online service.
Limited coverage options: Compared with other providers, Freedom National does not offer much beyond standard coverage.
Comparing our ratings from real drivers with ratings from AM Best and Better Business Bureau (BBB), for example, can help create a complete picture of this company’s business practices. Here’s what we found.
Freedom National
Best Score Possible
BBB Rating
A.M. Best Rating
A+ (Superior)
We would typically provide ratings for Freedom National’s mobile app via the iOS App Store and Google Play Store, too. However, Freedom National does not offer a mobile app. Instead, you can add your insurance card to your Mobile Wallet via either Apple Wallet or Google Wallet. To do so, visit
Freedom National's website
and click the appropriate link, then enter your policy number, date of birth, and ZIP code.
Once you’ve set up Freedom National via your Mobile Wallet, you can make payments, check your recent payment history and customer service info, and enable notifications for upcoming bills.

Is Freedom National the right insurance company for you?

If the following criteria apply to you, consider Freedom National for your next policy.
  • You like online insurance: Freedom National operates largely online, though you can call an insurance agent if you run into any problems with their website.
  • You’re a high-risk driver: This provider specializes in insurance for high-risk drivers, so get a quote from this provider if you fit into this category.
  • You don’t need specialized coverage: The types of insurance offered by Freedom National are pretty standard, so if you like your auto coverage to include lots of add-ons and specialized coverage options, you might need to look elsewhere.
Freedom National is only available in these four states:

Is Freedom National car insurance expensive?

On average, Freedom National car insurance costs drivers $182 per month for full coverage and $101 for a state-minimum policy. Drivers are largely satisfied with the insurance premiums they pay for Freedom National.
Since Freedom National focuses on high-risk drivers, however, many drivers find that the rates offered by this provider are more affordable than those offered by other providers—even if their premiums are still higher than the national average.
Your driving history has a huge impact on your rates, but insurance companies like Freedom National also use other factors to determine your rates, such as:
To get an accurate idea of your personalized car insurance rates with Freedom National, you’ll need to get a quote from Freedom National’s website or use
to get a quote from Freedom National and several other providers for comparison.
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Will Freedom National raise your rates?

All insurance providers will reevaluate your premiums when you
renew your policy
, and depending on what they find, you may see an increase in your premiums for the next period. Freedom National is no exception, and they may choose to raise your rates if:
Insurance rates will increase over time due to inflation, even if everything about your driver profile stays the same.

Does Freedom National resolve claims fast?

Freedom National states that they are committed to, “making the insurance experience as fast and easy as possible,” and they try to carry that sentiment into their
insurance claims
With that being said, Freedom National doesn’t offer an estimate on their claims resolution time and, according to our research, the amount of time required to complete the claims process can range from a day to several months. 
Customers tend not to praise Freedom National for their claims resolution rates, but this provider is also rarely criticized for claims resolution. If you value having your insurance claims dealt with quickly and efficiently, you might want to look elsewhere for your next provider.

Does Freedom National have good customer service?

To uphold their priorities of making the insurance process quick and easy, Freedom National allows drivers to use their website for all claims, quotes, payments, and other paperwork. 
This means that, if you don’t seek it out, you may never talk to a Freedom National insurance agent while using this car insurance provider. Additionally, with limited customer service hours of 8 AM to 5 PM Monday through Friday, it can be difficult to get a representative on the phone at all, especially if you work regular business hours2
In short, if you value speaking to real people at your insurance company over the convenience of online insurance, Freedom National may not be the right policy for you.

Freedom National car insurance discounts

Freedom National doesn’t offer a huge selection of car insurance discounts, but you do have some options for savings with this insurance agency. Available savings opportunities for your Freedom National auto insurance policy include:
How it works
A safe driver discount will be automatically applied to your policy if you maintain a clean driving record without at-fault accidents, speeding tickets, or other infractions.
Anti-theft device discount
Vehicles with an anti-theft device, like an alarm, steering wheel locking, or pedal locks, may be eligible for a discounted rate.
If you’re financially capable of paying for your entire insurance policy at once, you’ll receive an automatic discount from Freedom National.
If you choose to insure multiple vehicles on the same Freedom National insurance policy, you’ll qualify for a discounted rate.
Most of these discounts are applied automatically, but if you’re interested in these options, talk to a Freedom National insurance agent to ensure they’re being applied to your policy.

Freedom National coverage options

All auto insurance companies are required by law to provide at least the
minimum car insurance coverage
required in your state, and most drivers need a
full coverage insurance policy
to meet all their insurance needs. Freedom National offers all of these options, plus a couple of other types of standard coverage options, too.
You can purchase the following types of coverage from Freedom National:
  • Liability insurance
    : Liability coverage pays for damage you cause to other people in an accident where you are found to be at fault, and it’s required in most states. Almost all of the time, your policy will need to meet state minimum limits for both
    bodily injury liability
    property damage liability
  • Collision insurance
    : Included in most definitions of a full coverage car insurance policy, collision coverage pays for repairs to your car after an accident or collision, minus a deductible.
  • Comprehensive insurance
    : Comprehensive coverage is also typically included in a full coverage policy. This type of insurance pays for damages to your vehicle sustained by things other than a collision, such as car theft, vandalism, or damage from floods or fires, just to name a few things. Your coverage will pay up to the actual cash value of your car, minus a deductible. 
  • Personal injury protection (PIP)
    : Drivers in no-fault states must carry this coverage, which pays for medical expenses for you and your passengers after an accident, along with rehabilitation costs and lost wages. 
  • Medical payments (MedPay) coverage
    : This add-on is optional outside of Maine and New Hampshire, but if you get it, it will help pay for the medical or funeral expenses of you, other covered drivers, or your passengers after an accident. 
  • Rental car coverage
    : If you get into an accident and your vehicle requires serious repairs, this add-on coverage will pay for a rental car during your waiting period.
  • Uninsured/Underinsured Motorist Coverage (UM/UIM)
    : This type of coverage pays bills associated with injuries you or your passengers sustain in an accident where the other driver is uninsured or underinsured. This coverage only applies if you were not at fault.
  • Roadside assistance
    : With this add-on, you’ll get help paying for the cost of towing or roadside service following a mechanical or electrical breakdown. This coverage can help you pay for services following battery failure, a flat tire, being locked out, or running out of gas.


What is the address for Freedom National General Insurance?

You can address mail for Freedom National to:
Freedom National Insurance Services, INC
PO Box 7820 Newport Beach, CA 92658

Can you bundle insurance coverage with Freedom National?

While many insurers will let you bundle your auto insurance with renters insurance, home insurance, life insurance, and other types of coverage, Freedom National does not offer any coverage beyond auto insurance. As a result, bundling is not available.

What is the phone number for Freedom National?

You can reach Freedom National by phone at 888-542-4222.

Meet our experts

Liz Jenson
Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details.
Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.
Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.

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