PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Freedom National Car Insurance Review(May 2024)
Freedom National Car Insurance Review
(May 2024)
In Jerry's 2023 survey, Freedom National extends car insurance coverage to high-risk drivers primarily in California, Arizona, Georgia, and Utah. This insurance provider receives moderate ratings from its policyholders and offers a range of discounts.
Compare Quotes
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- Comprehensive Freedom National Car Insurance Review
- So, is Freedom National a good insurance company?
- Freedom National car insurance reviews
- Freedom National pros and cons
- Is Freedom National the right insurance company for you?
- Is Freedom national car insurance expensive?
- Will Freedom National raise your rates?
- Does Freedom National resolve claims fast?
- Does Freedom National have good customer service?
- Freedom National car insurance discounts
- Freedom National coverage options
- Freedom National’s additional tools and services
- FAQs
- Read all Freedom National car insurance reviews
- Methodology
- Meet Our Experts
Load full table of contents
Comprehensive Freedom National Car Insurance Review
Freedom National provides
car insurance
in California, Arizona, Georgia, and Utah to primarily high-risk drivers
. This insurance agency earns average ratings from policyholders and it offers various discounts, according to Jerry’s 2023 survey.Here’s a breakdown of how real Freedom National policyholders ranked this insurance provider:
4
54 Reviews
5 Stars
59.26%
4 Stars
0%
3 Stars
20.37%
2 Stars
20.37%
1 Star
0%
Jerry
experts conducted one of the nation's most extensive reviews to collect car insurance information over 18 months. We surveyed over 18,000 policyholders from all 50 states, asking them about their experience with their insurance company’s customer service, renewal process, claims handling, and more. So, is Freedom National a good insurance company?
Freedom National offers policies to drivers who might otherwise be unable to find coverage.
According to our customer survey, reviews were split down the middle, with 50% positive and 50% negative. That’s just below the national average, which is 64% positive.
There are some advantages and some drawbacks to getting insurance with Freedom National.
The good: With fair satisfaction rankings and purchasing process rankings, Freedom National is a reliable company when it comes to getting coverage. Other points of interest include:
- SR-22 insurancein some states
- Optional coverages like towing
- Discount for EFT payment
- Easy renewal process
In addition, we asked Freedom national policyholders to rate Freedom National based on customer satisfaction, financial strength, claims experience, and renewal processes.
Here’s how Freedom National’s ratings did against the national average for all companies surveyed:
| Criteria | Freedom National's Rating | Industry Average |
|---|---|---|
Overall | 3.5 | 4.1 |
Cost / Price | 3.5 | 3.8 |
Claim Experience | 3.5 | 3.5 |
Customer Service | 3.5 | 4 |
Renewal Experience | 3.5 | 4 |
Freedom National, headquartered in Newport Beach, CA, has an A+ rating from the BBB (Better Business Bureau).
Real policyholders rated the company on affordability, claims handling, customer service, and renewals. But first, let’s take a look at how Freedom National’s ratings compare to the national insurance industry average of all companies surveyed below:
Critera | Freedom National | Score Out Of |
|---|---|---|
BBB Rating | A+ | A+ |
A.M. Best Rating | AA- | A++ |
Freedom National car insurance reviews
In addition to rankings, we wanted to hear from actual policyholders in their own words. Here’s a look at how Freedom National customers felt about their experiences:
Freedom National pros and cons
The results of our survey, plus third-party ratings, paint a clear picture of Freedom National. So we’ve created a quick overview of pros and cons to help you get the gist:
ProsEasy to purchase coverage
SR-22 insurance
Many coverage options
ConsOnly available in four states
Not the cheapest option
Claims and policy cancellations must be made by phone
Is Freedom National the right insurance company for you?
Freedom National could be a good choice if you’re:
- A driver with a serious violation or accident on record
- A new driver
- A driver who needs SR-22 coverage
If you fit into one of these categories, there’s no guarantee that Freedom National will offer you the best rate possible. But it’s true that Freedom National specializes in serving high-risk drivers, so you could unlock a lower rate here than at another company.
Overall, Freedom National’s coverage options meet the
state minimum requirements
. You can pay by phone or by monthly EFT, and it’s a pretty straightforward deal for car insurance coverage.You can click on the buttons below to see our detailed analysis of Freedom National's car insurance services.
Is Freedom national car insurance expensive?
Freedom National’s rates tend to be higher than average. This is partially because its target market is primarily non-standard drivers with additional insurance needs.
In our survey, 30% of the reviews mentioned high costs.
The company earned a 3.5/5 cost satisfaction rating, slightly lower than the national average score of 3.8/5.
Ultimately, Freedom National may be a good option for some driver profiles. Check out how Freedom National compared to other companies in our study:
| Freedom National Policy Cost Rating | Ranking | Industry Average |
|---|---|---|
3.5 | 20 | 3.8 |
Note that rates are highly individualized. Your rate will vary highly from the average figures listed here.
Companies keep their formulas a secret, but we can look at patterns in the data to understand how different factors affect the cost of insurance.
Freedom National cost reviews
Here’s how Freedom National's reviews usually look:
Will Freedom National raise your rates?
Here are a few factors that could lead to an increase in your rate with Freedom National:
- Recent violations or tickets
- Recent accidents
- Changing your address
- Adding a new vehicle to your policy
- Adding a new driver to your policy
- General rise in prices due to inflation
66% of Freedom National customers renewed their policies.
It’s typical for your premium to fluctuate slightly as the company adjusts its formula, even if your driving record hasn’t changed.
Does Freedom National resolve claims fast?
Customers are generally happy with the claims handling process at Freedom National.
During this period, the insurer will investigate the claim, assess the damages or injuries, and determine the liability and coverage details to offer a settlement or denial promptly. Meeting this timeline helps ensure efficient and timely support for policyholders, reducing stress and delays associated with the claims process.
66.67% of our survey respondents who have a policy from Freedom National reported having filed a claim. We ranked Freedom National 13th overall when compared to companies of similar size when examining how verified customers reported their claims process experience.
| Freedom National Claims Resolution Rating | Ranking | Industry Average |
|---|---|---|
3.5 | 13 | 3.5 |
Does Freedom National have good customer service?
This company earns lower-than-average ratings for customer service, with an average score of 2.5/5.
The national average rating for customer service is 3.9, so Freedom National ranks below the average figure.
| Freedom National Customer Service Rating | Ranking | Industry Average |
|---|---|---|
3.5 | 21 | 4 |
Freedom National customer service reviews
Here’s how real Jerry users rated Freedom National’s customer service:
Freedom National car insurance discounts
- Multi-car discount: Offers a discount to policyholders who insure more than one vehicle.
- EFT discount: Savings for policyholders who opt for electronic funds transfer as their payment method.
- Safe driver discount: Rewards drivers with a clean driving history and no recent accidents or traffic violations.
- Homeowner discount: Savings for policyholders who own their homes.
- Loyalty discount: Rewards long-term policyholders with reduced premiums as a token of appreciation for their continued business.
- Pay-in-full discount: A reduction in car insurance premiums offered to policyholders who pay their annual premium upfront rather than in monthly installments.
Ask your
car insurance broker
which discounts you qualify for, and you could unlock a healthy stacked discount on your premium. Be aware that discount offerings can change at any time.Freedom National coverage options
You can get state minimum coverage with Freedom National, which may include these
types of car insurance
:- Liability insurance: Drivers can buybodily injury liabilityandproperty damage liability coverageas required by their state to cover claims for other parties in at-fault car accidents.
- Full coverage:Comprehensive coverageincludes damage due to non-collision events like fire, weather, and theft. There’s a deductible you have to pay before coverage kicks in.Collision coveragepays for collision-related damage.
There are optional add-ons, too:
- Uninsured/underinsured motorist coverage:If the other driver's insurance can't pay enough to help you after a car crash, UM/UIM steps in to quickly help with paying for your medical bills and fixing your car.
- Rental reimbursement coverage: If your car is in the shop after a covered accident, you’ll be provided with reimbursement for daily rental car costs up to your policy’s limit.
- Towing: Read your policy carefully to see if there’s a maximum mileage limit.
Freedom National does not offer as many optional coverage options as some other providers. It does not currently offer new car replacement or custom parts protection, for instance. It does not sell life insurance or any other type of insurance.
Freedom National’s additional tools and services
It’s worth pointing out that Freedom National offers to file the SR-22 form for its high-risk drivers who need the SR-22 to get back into the driver’s seat.
FAQs
Is Freedom National rated by the BBB?
This company earned an A+ rating by the Better Business Bureau. However, it was not rated by AM Best, an institution that assesses the financial stability of insurance organizations.
What are Freedom National’s customer service hours?
You can reach Freedom National by calling this phone number, (888) 542-4222, between Monday and Friday from 8 a.m. to 5 p.m. PST. You’ll be directed to the correct claims department for your state—or you can simply call the number on your ID card.
Does Freedom National sell SR-22 insurance?
Yes, Freedom National will file the SR-22 form for drivers who need it. There is an additional fee to file this paperwork with your state’s DMV, and you’ll need an insurance policy as well.
Does Freedom National auto insurance go up after 6 months?
Like all car insurance companies, Freedom National sometimes raises car insurance rates at renewal. If you have a 6-month policy with Freedom National, your rates could go up at your renewal date.
Read all Freedom National car insurance reviews
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet Our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
