American Freedom Insurance

American Freedom Insurance

 3.6/5 (32 reviews)
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Overall Rating3.6 out of 5
See all 32 reviews

About American Freedom Insurance

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

American Freedom Insurance offers the minimum liability insurance needed to keep drivers street-legal. The company does business in Illinois, Indiana, Pennsylvania and Tennessee. It provides online quotes and an electronic payment portal. It works with almost all drivers, including nonlicensed drivers and drivers with Mexican licenses, and its staff is bilingual.

Pros & Cons


  • Online claims and payments
  • Bilingual staff
  • Accepts most drivers


  • Limited coverage options
  • Available in only four states

Bottom Line

American Freedom Insurance covers drivers who might have trouble finding coverage elsewhere, including nonlicensed and Mexico-licensed drivers. Its coverage meets state minimums but provides no add-ons.

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What is American Freedom auto insurance?

American Freedom car insurance is bare-bones coverage that meets the minimum insurance requirements of the four states it serves: Illinois, Indiana, Pennsylvania and Tennessee. The company focuses on drivers who have a hard time getting auto insurance elsewhere or who can’t afford most auto coverage. It offers insurance to almost everyone, including people with Mexican driver’s licenses and those who aren’t licensed.

American Freedom offers a variety of payment plans, including six-month and 12-month installment options, as well as down payments as low as 9% of the premium cost.

How does American Freedom auto insurance work?

American Freedom provides basic auto coverage in Illinois, Indiana, Pennsylvania and Tennessee. Its policies meet the minimum legal insurance standards in these four states and don’t offer any frills or extra services. Almost anyone can buy auto insurance from American Freedom, whether or not they hold a valid U.S. driver’s license. You can purchase its policies from independent local agents.

American Freedom auto insurance costs

American Freedom isn’t transparent about its car insurance rates, but insurance premiums typically vary based on the driver’s vehicle type, driving record and claims history. American Freedom offers discounts for homeowners and mobile home owners, multicar policies and payment in full or by electronic transfer. It also offers monthly plans with low down payments.

American Freedom auto insurance FAQ

Where is American Freedom car insurance available?
American Freedom’s car insurance is available in Illinois, Indiana, Pennsylvania and Tennessee.
Where is American Freedom located?
American Freedom’s headquarters are in Mount Prospect, Illinois. Independent agents maintain local officers in select states.
Who owns American Freedom?
Western National Mutual Insurance Company owns American Freedom Insurance, as well as five other insurance companies. American Freedom maintains its original management team and staff.
Does American Freedom offer comprehensive coverage?
No, American Freedom doesn’t offer comprehensive coverage. It offers the minimum coverage required under its states’ mandatory insurance laws.

Is American Freedom auto insurance worth it?

American Freedom could be worth it for drivers who have trouble finding auto coverage. It claims to accept all applicants, including those without licenses or with Mexican licenses. Its monthly payment options, with down payments as low as 9% of the premium, make insurance affordable to drivers who are short on cash. Its policies meet the minimum requirements for the four states the company serves, but it doesn’t offer any frills or extra services.

American Freedom Insurance Reviews

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: April 13, 2023

Bought a new car. The dealer said I had to have ins. They gave me this company. Who took $588. I canceled the ins 1 day later when I researched that they gave me really low coverage for a brand new car and charged me way too much. I was told they canceled the ins & sent the details to the “review” board for refund. LIARS. I never heard from anyone and never got a refund. Then was charged the next month! They are a bunch of Scammers stealing people's money!!

Be the first one to find this review helpful
Verified Reviewer
Original review: Nov. 8, 2022

I hard to turn them in to the Illinois Insurance Review Board first of October for an accident that happened in July. Their insured rear-ended my stopped vehicle at a stop sign. Even after they responded and had an adjuster look at it, took another 3 1/2 weeks and they took off $600 for comparative negligence on a $2,700.00 claim.

2 people found this review helpful

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    Verified Reviewer
    Original review: May 21, 2022

    The insurance company does charge a lower rate, however after more than 3 years of coverage we had our first accident. Someone hit our car and kept going, our car was parked outside of our home. My husband called and was treated like he was the one who committed a crime, fraud and broke the law. He was asked “are you even working?” The entire experience was stressful but to have a company who does not have your back is sad, especially when you are at an emotional state when someone hits your favorite car and keeps right on going.

    We had to almost stalk them for the check to be sent to their suggested repair company and the excuses for no response was simply it’s due to Covid and they were working from home. I said, well so am I but I do not get to not actually work because I’m at home. We finally got the car repaired after MONTHS of calling to ask for the check and yet, even their repair company did a below average repair job, that still needs to be finished-which of course they refuse to accept as their responsibility. We of course cancelled our insurance coverage and went to another company. No one attempted to ask why. A recovery email was sent once (still not asking why we cancelled). So their service is just not service. In summary, don’t let the cute radio jingle make you feel covered. Pay a little more to make sure you get the coverage and support a consumer deserves.

    9 people found this review helpful
    Verified Reviewer
    Original review: Jan. 20, 2022

    An American Freedom insured rear-ended our vehicle on 12/20/21. My 90 yr old Aunt was in the passenger seat, my daughter was in the back seat and I was the driver. My Aunt was rushed to the hospital due to stomach pain and her age. Fortunately we all walked away with little injury. A claim was turned in with American Freedom by their insured on 12/20. After 2 wks of hour after hour holding with trying to reach an adjuster at American Freedom, we turned in our claim with our own carrier (State Farm). Finally American Freedom reached out to us on 1/19/22. Fortunately we are insured with a stellar company and State Farm has already taken care of us (a totaled vehicle and med bills).

    I am in the insurance industry and this is by far the WORST carrier I have ever experienced. Pay a little extra if you must but DO NOT insure with these folks. Remember we pay premiums so in the event of a covered cause of loss they will respond accordingly and in a timely matter. It's all about service and how they handle a claim at the end of the day - Good luck American Freedom, I don't see you staying in business much longer. If I could rate you as a negative -10 I would.

    5 people found this review helpful
    Verified Reviewer
    Original review: Nov. 4, 2021

    If there was a way to leave no stars for this company, I would. One of their insurance clients hit my parked car. I have been waiting two weeks for payment. Each time I call I am told the process have to go through more steps. I have spent hours on paperwork and phone calls to this company. Today I waited 30 minutes on hold, just to be told nothing will happen until next week. I have been without a car for 3 weeks thanks to a young man who couldn't properly park his oversized vehicle in a parking spot. No apology, no payment, no help from American Freedom Insurance Company. I would not recommend this company.

    5 people found this review helpful
    Verified Reviewer
    Original review: Sept. 25, 2021

    Horrible and unethical business practices. AF insurance made up excuses so they don’t have to pay out claims. My parked vehicle was struck by their insured driver and they gave excuses and refused to pay the claim. Horrible business. They have a history of refusing claims. Stay away.

    6 people found this review helpful
    Verified Reviewer
    Original review: Sept. 12, 2020

    The scam: American Freedom Insurance Company advertises itself as the Company with a Long Term Perspective. That is exactly their modus operandi: they stall and cheat in the hope you will walk away without the money they owe you. As you can read from the reviews here, they are a very shady company. As others reported they will keep your claim under review because they claim that they could not talk to their client to confirm the story. After a period of being unable to talk to their client they will complete “their review” and reject the claim. Mind you, our car was rear-ended by their client and their inspector confirmed that the damage was at the back of our car. On the day of the crash their client agreed with us that it was her fault in front of the police officer who said it was not necessary to draw up a police report when both parties agree whose insurance will need to pay for the damage.

    After their rejection of the claim I filed a complaint with the Illinois Department of Insurance (the main office of American Freedom is in Illinois). This is a governmental department whose mission it is to protect consumers by providing assistance and information, by efficiently regulating the insurance industry's market behavior and financial solvency. They initiated a formal investigation and contacted American Freedom Company. Suddenly the company called me, stated that their client finally spoke with them and they could pay the claim. But…their client had an insurance policy with a maximum of $5,000 per accident. So, after more than 2 months without the car, this bad excuse for an insurance company paid up for that capped amount.

    Here is my advice: When you get hit by someone with American Freedom Insurance: call the police for a police report on the spot, otherwise they will fail to get the story corroborated by their client and reject your claim. When they open their box of tricks to avoid their responsibility: complain formally to the Illinois Department of Insurance, you can submit online. (**). For any legal support call your local car accident lawyer, they provide free consultations and they only charge when they win your case and they recoup both the payment for the damage and their legal fees from the insurance and their (under)insured client. They also provide important medical advice on bodily injury. Good luck to all victims of this company, stay clear from American Freedom Insurance!

    7 people found this review helpful
    Verified Reviewer
    Original review: Jan. 17, 2020

    I was hit by one of American Freedom's clients on 12-13-2019. It is now 1-17-2020 and not only is my car not fixed the only time I speak to anyone from this company is when I call them. How can a company like this be allowed to exist. I really hope if you have this company for your insurance needs you so not need to use them. You will be dead before your car gets fixed.

    15 people found this review helpful
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    Verified Reviewer
    Original review: Sept. 19, 2019

    I was in a car accident and I called them and they told me they do not pay for storage fee if it's in a tow. I would have to get it out and I told them why would they wait at the last minute to it got up to a thousand $165. They are very rude. I try to talk to him. I ask can I talk to a supervisor and the lady told me no. She also told me just to give the title. Ain't nothing they can do. They cannot help me even though it was their fault of the person who hit me in the car. The car was totaled. They had to cut me out the car. I will never in my life get insurance from them. The person had totally hit my car on the driver side and totaled the car. They had to cut me out the car. I end up can't walk. I have bruises on my eyes and had glass in my eyes. They trying to say they do not want to pay for nothing.

    18 people found this review helpful
    Verified Reviewer
    Original review: June 10, 2019

    My parked car was hit by one of their insured in a parking lot. Not only was the car parked, there was nobody inside my car when it was hit. It is going on a month and they are still "reviewing" the claim. No empathy, no follow-up, nothing. I am wasting valuable time trying to get them to pay for what their insured did to my car. They have required me to submit mounds of paperwork, of which I have complied, but NOTHING in return. Each time I call, I am told they are still waiting and I am asked to call back. Upon speaking to a collision repair shop, I was told 'that is their tactic' stall... stall... stall in hopes of the the claim going away. It is a shame and they are a sham. The Illinois Attorney General need to investigate this shady company.

    23 people found this review helpful
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    American Freedom Insurance Company Information

    Company Name:
    American Freedom Insurance