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What Is Freeway Insurance? An Independent Review of the Agency (2026)
By ReliablePolicy Editorial Team
Freeway Insurance is a broker, not a carrier. Part of the Confie group, it has specialized in non-standard auto — drivers with violations, accidents, or SR-22 requirements — since 1987, operating more than 1,250 locations across 27-plus states with bilingual agents. Here's what it actually does and what to watch for in 2026.
Type
Broker
Not an insurance carrier
Parent
Confie
Large privately held broker
Specialty
Non-standard
High-risk and SR-22 drivers
Locations
1,250+
Offices in ~28 states
Serving since
1987
Bilingual English/Spanish
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Freeway Insurance overview
Freeway Insurance is part of Confie, one of the largest privately held insurance brokers in the United States. It has served the non-standard auto segment since 1987, placing coverage for drivers with prior violations, accidents, or SR-22 filing requirements that many standard carriers decline. Freeway operates more than 1,250 offices across roughly 28 states, backed by a national telesales center that can serve all 50, with agents working in both English and Spanish. As a broker it compares quotes from multiple carriers rather than issuing policies itself — the carrier it places you with underwrites the coverage and handles claims.
Freeway Insurance estimated rates by driver profile (2026)
Independent market estimates for drivers researching Freeway Insurance — not provided by or endorsed by the carrier. All figures are approximate national averages from public industry data.
| Driver profile | Est. annual premium | vs. market avg. | Notes |
|---|---|---|---|
| Clean record, 30-45 | Market rate | Carrier-dependent | Not its core segment |
| Single accident (3 yrs) | Market rate | Carrier-dependent | Core specialty |
| DUI on record | Market rate | Carrier-dependent | SR-22 placement available |
| Young driver (18-24) | Market rate | Carrier-dependent | Multiple non-standard markets |
| Senior driver (65+) | Market rate | Carrier-dependent | Depends on placing carrier |
| Lapsed coverage | Market rate | Carrier-dependent | Accepts no prior insurance |
Estimates based on NAIC rate filings and state insurance department data. Not quotes from Freeway Insurance. Actual premiums are determined solely by the carrier based on your individual underwriting profile.
Freeway Insurance pros and cons
Where Freeway Insurance excels
- ✓Specializes in drivers standard carriers decline
- ✓More than 1,250 physical locations plus nationwide phone service
- ✓Bilingual English and Spanish agents
- ✓Compares several non-standard carriers in one application
- ✓SR-22 filing assistance for license reinstatement
Where Freeway Insurance falls short
- ✗A broker, not a carrier — it does not underwrite or pay claims
- ✗Non-standard placements carry high premiums by nature of the segment
- ✗Broker and policy fees can apply on top of the premium
- ✗Service quality varies significantly between offices
- ✗Little reason to use it if you qualify for standard-market coverage
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A closer look at Freeway Insurance
For a driver who has been declined elsewhere, a broker with deep non-standard carrier relationships genuinely saves time — Freeway can put several high-risk markets in front of you at once, and its physical offices and bilingual staffing serve customers other channels reach poorly. Two things to watch. First, ask explicitly about broker and policy fees, which are common in this segment and are not part of the premium comparison. Second, check the financial strength of the carrier being recommended, since non-standard placements sometimes land with unrated insurers.
Bottom line
A useful broker for high-risk drivers needing SR-22 or coverage after a lapse, with strong physical and bilingual reach. Ask about fees and check the placing carrier's rating before signing.
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Frequently asked questions about Freeway Insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, endorsed by, or in any way officially connected to Freeway Insurance. All carrier names and trademarks are the property of their respective owners and are used solely for informational and comparison purposes. Rate figures shown are independent market estimates based on publicly available data and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with the carrier or a licensed agent.
AB Test AA Control: B