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Drivers in ArizonaCaliforniaGeorgia, and Utah may have heard of Freedom National. The small, local insurance company has been in business for over 20 years, but is Freedom auto insurance a good choice for your vehicle?

In this article, we’ll see how Freedom auto insurance performs in terms of industry reputation, coverage, cost, customer reviews, and more. We’ll also compare Freedom to some of the best car insurance companies in the nation.

We always recommend getting at least three quotes from different insurers. Besides the company you choose, factors like your age and driving history will affect your insurance rates, so the only way you can really know how much you will pay is to get a personalized estimate.

When you’re ready to get a few car insurance quotes, use our tool below to get free, personalized quotes from top providers in your area.

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Freedom National Car Insurance Rating: 3.5 Stars

Freedom National is an average choice for car insurance. The company provides a variety of coverage options and insures high-risk drivers. That being said, Freedom auto insurance is only available in Arizona, California, Georgia, and Utah, and the customer reviews are less than positive.

It doesn’t hurt to get a quote from Freedom National, but overall, we think there are better choices out there for car insurance. Use our tool below to start comparing plans.

Freedom National Overview

Headquartered in Newport Beach, California, Freedom National has offered hard-to-insure customers low-cost car insurance in California, Georgia, Arizona, and Utah for over 20 years. The company is known for insuring high-risk drivers and those who are having difficulty qualifying for auto insurance services elsewhere.

Freedom auto insurance is available for drivers with:

  • Poor credit
  • A DUI on their driving record
  • Traffic tickets in their driving history
  • Lapses in past insurance coverage
Freedom Auto Insurance Is Best For:Freedom Auto Insurance Is Not Ideal For:
Drivers with a spotty driving recordDrivers looking for many coverage options
Drivers who need immediate coverageDrivers looking for an online claims process
Drivers looking for easy interactions with their agencyAnyone living outside of Arizona, California, Georgia, or Utah

Freedom Car Insurance Coverage

Freedom auto insurance coverage varies by state. In each service area, you can get the standard types of car insurance, but extra coverages like roadside assistance and rental car reimbursement will depend on your location.

Freedom National Insurance Arizona

Freedom National claims to offer the cheapest car insurance rates in Arizona. The minimum liability limits in Arizona are 15/30/10, meaning motorists must carry at least the following amounts of insurance coverage:

  • $15,000 bodily injury liability (BI) per person
  • $30,000 BI per accident
  • $10,000 property damage liability (PD)

In addition, Freedom auto insurance customers in Arizona can purchase:

  • Comprehensive car insurance
  • Collision insurance
  • Medical payments (MedPay) coverage
  • Uninsured/underinsured motorist (UM/UIM) insurance
  • Towing and labor coverage
  • Rental car reimbursement
  • Guaranteed asset protection (GAP insurance)
  • Custom parts and special equipment coverage

All drivers in Arizona are required to prove financial responsibility when registering a vehicle. This can be in the form of car insurance.

Freedom National California

Similar to Arizona, Freedom National claims to have the cheapest insurance rates in California. The state minimum liability limits in California are 15/30/5, meaning that drivers must carry at least the following amounts of insurance coverage:

  • $15,000 BI per person
  • $30,000 BI per accident
  • $5,000 PD

California drivers are also required to purchase uninsured motorist coverage at the following limits:

  • $15,000 BI per person
  • $30,000 BI per accident
  • $3,500 PD

Other Freedom auto insurance options vary for drivers in California depending on the city. In most areas, Freedom offers the following types of insurance coverage:

  • Collision insurance
  • Comprehensive insurance
  • MedPay
  • UM/UIM
  • Towing and labor coverage
  • Rental car coverage

California is an at-fault state, which means that if you are involved in an accident, one or more parties will be assigned the blame and will be financially responsible to pay for damages and injuries sustained by other parties during the accident.

Freedom National Georgia

Motorists in Georgia are required to have at least 25/50/25 liability coverage for their vehicles, which means carrying:

  • $25,000 BI per person
  • $50,000 BI per accident
  • $25,000 PD

In addition to liability coverage, Georgia residents can purchase extra financial protection from Freedom National:

  • Collision insurance
  • Comprehensive insurance
  • UM/UIM
  • MedPay
  • Gap coverage
  • Towing and labor coverage
  • Rental car coverage

Like California, Georgia is also an at-fault state.

Freedom National Utah

Drivers in Utah need to carry a minimum of 25/65/15 in liability auto insurance and a minimum of personal injury protection (PIP) to legally drive in the state. This means that you need at least the following on a Freedom auto insurance policy:

  • $25,000 BI per person
  • $65,000 BI per accident
  • $15,000 PD
  • $3,000 PIP

You can also add the following types of coverage to your policy:

  • Comprehensive insurance
  • Collision insurance
  • UM/UIM
  • Emergency roadside assistance
  • Rental and towing coverage

Utah is a no-fault state, which means that for drivers who are involved in a car accident that results in injuries, your own insurance might be the only coverage option to pay for the cost of your medical bills. That’s why Utah drivers are required to carry PIP in addition to basic car insurance coverage.

Freedom Auto Insurance Cost

The amount you pay for Freedom auto insurance largely depends on which state you’re looking to become insured in. Some of the factors that Freedom takes into account when calculating a customer’s car insurance rates include:

  • Your gender, age, and marital status
  • The make, model, and year of your vehicle
  • Your annual mileage driven
  • Your zip code
  • Your driving record and credit history
  • Your insurance history and claims history
  • The number of years you’ve been driving
  • Your policy’s deductible

According to the Insurance Information Institute, drivers in Arizona had an average annual car insurance expenditure of $1046.40 in 2018. Drivers in California spent an average of $1034.05, while drivers in Utah spent an average of $941.14. All three states had lower rates than the national average for that year, which was $1,056.55.

Freedom National Car Insurance Discounts

Some insurance discounts that drivers in Arizona, California, and Utah may have access to with Freedom auto insurance include good student discounts and safe driver discounts.

Freedom Car Insurance Customer Reviews

Freedom National has an A+ rating and accreditation from the Better Business Bureau (BBB). The auto insurance agency has received under 10 complaints in the past 3 years, each of which the company has responded to.

Most reviews left on the company’s BBB page are negative, though this isn’t uncommon for insurance companies – most reviewers are more inclined to report a bad experience than they are to compliment a positive experience. Reviews reference poor customer service and unexpected rate increases for Freedom auto insurance policies.

Negative Freedom National Insurance Reviews

“This insurance company is terrible. Customer service is not helpful at all, and explanations for [its] fees and [increases] in prices are just bad. Would not [recommend] at all to anyone. Glad my family and I got out of it.”  

– Daniel L. via BBB

“Customer service is a complete joke. I called in to stop auto pay (which I never authorized in the first place), and they were closed, so I went online to my account to process this request myself. I went through all the steps just for them to take my money out of my account anyway. I then called the following day to request a refund, and the rep that I spoke with was very rude and was unable to assist.”

– Talisha G. via BBB

Positive Freedom National Insurance Reviews

Although the provider doesn’t have my positive reviews online, one BBB review did stick out to us:

“I have been with Freedom National for four years now, and they have been excellent and extremely friendly… I love their services and awesome customer service, too. Recommended to everyone who is looking for auto insurance company.”

– Michael D. via BBB

Freedom National Insurance App

Insuring a vehicle with Freedom National means having insurance agents as your main point of contact. The provider does not have a mobile app for checking policy information or claims status. While you can receive Freedom National quotes online, there is no way to file insurance claims online. When it comes to providing convenient online tools for customers, Freedom National’s car insurance is lacking.

Freedom National Car Insurance: Conclusion

In this review, we talked about the cost, coverages, and reviews of Freedom National Auto Insurance. We rated it a 3.5/5.0 and it could be a good choice for you if you live in one of the eligible states.

Below are some of Freedom National’s top competitors:

Freedom National Competitors: Top Picks

If Freedom car insurance isn’t the right fit for your insurance needs, or if it isn’t available in your state, there are plenty of other options for low-cost coverage. When we reviewed the most popular car insurance companies across the nation, it was clear that some had better coverage, prices, and customer experiences than others.

We recommend getting a few auto insurance quotes from these top companies. Fill out our simple form below for personalized, free quotes.

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Geico: Best Overall

We named Geico the best insurer in the nation. Geico has a great reputation, as reflected in high ratings from the BBB, AM Best, and J.D. Power. You can get Geico auto insurance in all 50 states, and policy options range from standard coverage to extras like roadside assistance and mechanical breakdown insurance. Geico has a number of insurance discounts for military members, good students, safe drivers, and more. For more information, read our Geico auto insurance review.

USAA: Best For Military

USAA is available exclusively to members of the military (active or retired) and their family members. Although not everyone can get USAA coverage, we highly recommend the car insurance company for its low insurance rates and extensive policy options. Military service members can get insurance discounts during deployment and for parking their vehicles on a military base. In our industry review, USAA was the only insurer we awarded a perfect 5.0 stars. Read our USAA insurance review for more.


Below are some frequently asked questions about Freedom National Insurance:

FAQ: Freedom National Auto Insurance


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.