Freeway Insurance vs. Geico Insurance: Compare Coverage & Benefits 

Freeway vs. Geico insurance: Which option makes the most sense for your car insurance plan? Doing a head-to-head comparison is one of the best ways to make sure you’re getting the absolute best policy for your needs. While both companies offer auto insurance products, they have some key differences when it comes to their product offerings, customer service ratings, and long-term suitability for various kinds of drivers. Find out which insurer matches up best with your needs by exploring our side-by-side guide below. 

Unveiling the Contenders: Freeway vs. Geico 

By breaking down important details from each of your options, you can easily see which company is a better fit for your needs. Here’s a quick overview of these two popular providers to kick off your comparison. 

Freeway 

Freeway is an insurance broker, which means it partners with a wide variety of carriers to find the right policies for its customers. The company offers coverage options for all kinds of customers, but it particularly focuses on policies for high-risk drivers. Because Freeway partners with multiple carriers, they’re able to provide an extensive range of services to meet the unique needs of high-risk drivers dealing with issues like low credit, SR-22 restrictions, and beyond. 

Geico 

Geico is a major nationwide insurer known for its discounts and affordable rates. The company is its own carrier, so it offers a range of insurance products tailored to its customers. Because Geico is a budget option and offers competitive rates, it is a popular choice in all 50 states. 

The Value-Added Services Showdown 

When looking for the best car insurance companies to handle your policy, it’s important to pick a provider that offers great value for your money. If you’re wondering, “Is Freeway cheaper than Geico?” you should also consider what kind of value you get for the price you’re paying. 

Freeway 

Freeway agents will work with you to curate a custom plan that includes all the coverages you need and gets you the greatest possible discounts. You can get helpful add-ons like gap coverage to get even more peace of mind. Along with classic car insurance offerings, the company also has additional services like Freeway Auto Club, its roadside assistance program, which comes with unlimited uses to make sure you’re safe if you break down. 

Geico 

Geico has a fairly standard suite of car insurance offerings, including basic liability and full coverage options. Unlike many other major providers, it doesn’t offer gap coverage. Although some of its policies have basic roadside assistance, they’re usually limited to a set number of uses per year. 

Customer Chronicles: Service and Satisfaction Reports 

Customer service makes a huge difference in the world of auto insurance. See how Freeway and Geico compare car insurance options below: 

Freeway 

As a brokerage, Freeway is highly focused on customer service. The main point of hiring a broker is to get support from a specialized expert who can find custom, curated plans just for you. They’ll shop around on your behalf to help you find the right policy, even if you have a history of DUI or other issues that make it harder to get insured. 

Freeway has an average of 4.6 stars on TrustPilot, which is aggregated from thousands of positive customer reviews. They also have local offices in many cities, so you can easily get face-to-face support from knowledgeable agents. Finally, they are proud to offer bilingual customer support in both English and Spanish, making it easier for customers with different backgrounds to get the help they need. 

Geico 

Geico has some of the lowest customer satisfaction scores of the major national insurance chains. They earned a below-average J.D. Power score for customer satisfaction in 7 of 11 regions, and all regions gave Geico a below-average score for auto claims satisfaction. Because Geico focuses on decreasing costs, this can often mean cutting corners on claims payouts and customer service. Additionally, the company mainly focuses on digital services, so it can be harder to get direct support from a local agent. 

Tailoring to Your Life: Policy Personalization and Flexibility 

Insurance plans aren’t one-size-fits-all, so here’s how each option stacks up when it comes to customizing your coverage: 

Freeway 

Freeway makes it easy for customers to pick and choose exactly which types of coverage they need. Because they work with multiple national and local carriers, they can help customers match with the option that most closely suits their needs. They can match coverages to your budget or vice versa, so you can get an affordable plan even if you have bad credit or an SR-22 restriction. 

Geico 

Geico also has several types of auto coverage available, including basic liability, comprehensive, and full coverage options. However, they may not offer certain coverages that you could get through an independent broker. In addition, they only sell their own auto coverage, so for better or worse, you will only get one option. 

The Long-Term Lens: Renewals, Changes, and Customer Loyalty 

Your ideal insurer should work for you in the long term so you don’t have to worry about shopping around every time you need to renew. Here’s what you need to know about the long-term implications of these two providers. 

Freeway 

Working with Freeway provides you the flexibility to renew with your current insurer or switch carriers if your needs change or if your broker finds you a better rate. If life circumstances change, helpful agents can help you find an affordable plan that fits in with your needs, whether you get a DUI, need operator’s insurance, or have a shift in your budget. 

Geico 

In some cases, Geico has dropped policies if a driver gets a DUI or has other complex coverage needs, so they may not be as flexible if your situation changes in the future. Geico does offer a limited claim forgiveness benefit for the first qualifying loss. This benefit may be earned or purchased.  

Get a Quote from Freeway and Start Comparing Today 

Is Freeway better than Geico? Ultimately, it depends on your priorities, but if you’re looking for flexible, affordable coverage that meets your unique needs, Freeway is the clear choice. Because their coverage is designed to help high-risk drivers, you’ll never have to worry about getting turned away or having your policy dropped because of your past. 

If you’re wondering how to compare car insurance quotes to get the best deal, get started by contacting a helpful agent in your area. They can compare auto insurance rates on your behalf, so all you have to do is pick your favorite plan from a curated list of options. To secure your policy, come visit us at a convenient local office, head online for a quote or call 800-777-5620.