Is American Freedom Insurance Legit? Coverage Options, Discounts, Reviews, Complaints

Is American Freedom Insurance Legit?

If you are looking for cheap car insurance, you might have come across the American Freedom Insurance Company.

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If you are looking for affordable car insurance, you might be tempted by American Freedom Insurance. But before you sign up, read this review and find out if this company is legit or not/PHOTO COURTESY: Facebook

This company claims to offer affordable coverage for drivers who have trouble finding insurance elsewhere.

But is American Freedom Insurance legit? Or is it a scam that will leave you in trouble when you need it the most?

In this article, I will review the company and its products, and give you my honest opinion on whether you should trust them or not.

What is American Freedom Insurance Company?

American Freedom Insurance Company is a property and casualty insurance company that specializes in auto insurance.

The company was founded in 1998 and is based in Mount Prospect, Illinois.

It operates in four states: Illinois, Indiana, Pennsylvania, and Tennessee.

The company is known for accepting almost any driver, regardless of their license status, driving record, or credit history.

It offers insurance to drivers with US licenses, Mexican licenses, no licenses, or consular identification cards.

It also has a team of bilingual staff to assist customers in English and Spanish.

What are the coverage options and discounts?

American Freedom Insurance Company offers basic auto coverage that meets the minimum legal requirements in the four states it serves.

It does not offer any comprehensive collision coverage or any add-ons like roadside assistance or rental reimbursement.

The company’s policies are designed for drivers who need the minimum coverage to get back on the road.

The company offers some discounts for various factors, such as being a homeowner, having a mobile home, having multiple cars, paying in full, or paying by electronic transfer.

It also offers discounts for having an AAA membership, a good student record, or a defensive driving course certificate.

The company does not disclose its rates online, but they are likely to vary depending on the driver’s vehicle type, driving history, and claims history.

The company also offers different payment plans, including six-month and 12-month installments, and down payments as low as 9% of the premium cost.

What are the reviews and complaints?

American Freedom Insurance Company is not accredited by the Better Business Bureau and has a rating of F.

It has received 43 customer reviews, with an average rating of 2.7 out of 5 stars.

Most of the reviews are negative, and cite poor customer service, unclear coverage terms, and denied claims.

The company also has mixed reviews on other websites, such as Insurance Panda and Clearsurance.

Some customers praise the company for its low rates, easy payments, and bilingual staff.

Others complain about the company’s lack of coverage, slow claims process, and rude agents.


American Freedom Insurance Company is a legitimate company that offers cheap car insurance for drivers who have difficulty finding coverage elsewhere.

However, the company’s coverage is very limited and does not provide any protection beyond the state minimums.

The company also has a poor reputation for customer service and claims handling, and has received many complaints from unhappy customers.

Many other companies offer better coverage, service, and value for your money.

You should always compare quotes from different insurers and read the fine print before you buy any policy.


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