Why Did My Freeway Insurance Go Up?

If your Freeway car insurance went up, the rates behind the higher price are set by the insurance company that wrote your policy, not by Freeway itself: Freeway Insurance is a licensed insurance agency that sells policies from many insurers, and no company with Freeway in its name appears as a filer in the Texas Department of Insurance (TDI) rate filing data ^{1 3}. To find out why your price rose, you need the name of that insurer, which is printed on your declarations page, and then that insurer's rate filings.

This page explains how the agency relationship works, what the official records say about Freeway, how to find the company behind your policy and how to look up its filings. We are not affiliated with the insurers named.

TDI licenses Freeway Insurance Services America, LLC, a limited liability company with a Huntington Beach, California address, as a general lines agency for property and casualty insurance and for life, accident, health and HMO coverage ¹. TDI's record shows the license was first issued February 4, 2005, and runs to January 17, 2028; the company also holds a Texas surplus lines agency license ¹. Freeway's website names Freeway Insurance Services America, LLC in its footer ⁴.

Freeway's site says it works with multiple insurance carriers, lists more than 650 locations nationwide and says Freeway is part of the Confie family of brands ⁴. Confie says it was established in 2008 and calls itself the largest personal lines agency in the US ⁵. In a November 2021 release, Confie said Freeway was established in 1987, joined Confie in 2008, and had more than 190 retail locations in Texas after buying AutoPartners Insurance ⁶. Those counts are the companies' own statements, not official records.

An agency sells and services the policy. The insurer, the company that carries the risk and pays claims, files the rates. TDI makes the distinction itself: its rate filing page tells consumers to search by the company name and notes that the exact insurer name differs from the agency name and can be found on the policy, a billing statement or through the agent ⁷.

So "Freeway insurance" can mean different things for different customers. Two people who bought at the same Freeway office may hold policies from two unrelated insurers, each with its own rates and its own filing history.

TDI publishes data on the insurers that have appointed each agency to sell their products. As of our check, it lists 56 insurance companies that have appointed Freeway Insurance Services America, LLC, 44 of them for property and casualty business ². Not all of these write car insurance; the list also includes home, specialty and health insurers ².

County mutual insurance companies are a Texas type of insurer. Nine of them appear among Freeway's Texas appointments ²:

A county mutual often writes business through managing general agents, each running its own program. A 2005 Texas Senate Research Center bill analysis noted that more than one such agent can write for the same county mutual and that the rates between them may vary ⁹. In practice, the filing that applies to you can be one program's filing, not the county mutual's filings as a whole. The product or program name on your declarations page helps match the right filing.

Because no Freeway company appears as a filer in TDI's rate filing data, there is no Freeway rate increase to point to ³. The reason for a higher renewal sits in two places:

• The insurer's filed rates. If the company on your declarations page filed a rate increase that reached your renewal, the whole program's prices rose. TDI publishes each filing's percent change, which it calls "the estimated impact that the rate change has on existing policyholders," and that impact can be higher or lower for an individual ⁷.
• Your own rating factors. TDI lists claims history, where you live and how much you drive, age, gender and marital status, occupation, the cost to replace your car and your credit score as factors in an auto premium ⁸.

We did not find a public statement from Freeway or Confie about price changes at the insurers it represents, and the records above do not tie any specific increase to Freeway, so we do not guess at one.

Even when your insurer's latest filing was small or a decrease, a renewal can still rise:

• A new insurer. If the office moved your policy to a different company at renewal, the new company's rates apply.
• A new accident, claim or ticket on any listed driver.
• A change in vehicles or drivers, such as adding a teen driver. See adding a teen driver.
• A move to a different ZIP code.
• A lost discount or a coverage change. See why discounts disappear at renewal.
• Timing. TDI says companies can use new rates the same day they send them to TDI or choose a later effective date ⁸, and a change reaches a policy at its next renewal.

1. Find the insurer's name on your declarations page, along with any program or product name. That company's filings are the ones that apply to you.
2. Compare the renewal with last term line by line. Our guide to reading a renewal notice shows where to look.
3. Ask the Freeway office what changed on your policy: the insurer, drivers, vehicles, coverages, discounts or fees.
4. Look up the insurer's filings. In Texas, search TDI's rate filing data by the insurer's exact name; full filings can be found in the SERFF system by SERFF ID ⁷. Our explainer on what a rate filing is covers how to read one, and the Texas page explains how Texas rates are set. Freeway's Texas license record lists a California address ¹; for other states, see the California page or browse all states. If your insurer is a brand we cover, such as Progressive, its page lists recent filings.
5. Compare quotes from several insurers. Prices for the same driver can differ widely. You can compare quotes here.

Sponsored link. QuotePitStop is a lead-generation service and is paid by insurance partners when you request quotes.

For reasons that apply at every insurer, see why car insurance goes up and why car insurance goes up with no accident. Other storefront brands: Fred Loya and Pronto. Drivers who need a state filing can read what an SR-22 is.

• ¹ Official record: TDI's agency license data for Freeway Insurance Services America, LLC (license types, Huntington Beach address, first issue and expiration dates), checked October 13, 2026.
• ² Official record: TDI's active appointment data for Freeway Insurance Services America, LLC, for the count of appointing insurers and the county mutual appointments and dates, checked October 13, 2026.
• ³ Official record: TDI's rate filing data on data.texas.gov, searched for filing companies with Freeway in the name (no results), checked October 13, 2026.
• ⁴ Reported: Freeway's home page, for its legal name, its statement that it works with multiple carriers, the 650+ location count and the Confie relationship, checked October 13, 2026.
• ⁵ Reported: Confie's About page, for its founding year and description, checked October 13, 2026.
• ⁶ Reported: Confie's November 1, 2021 release, for Freeway's founding year, the 2008 combination with Confie and the Texas location count at that time, checked October 13, 2026.
• ⁷ Official record: TDI's rate filing page, for percent change, insurer versus agency names and SERFF lookups, checked October 13, 2026.
• ⁸ Official record: TDI's page on how auto insurance costs are calculated, for the premium factors and when new rates can be used, checked October 13, 2026.
• ⁹ Official record: Texas Senate Research Center bill analysis of H.B. 2760 (2005), for how county mutuals write programs through managing general agents, checked October 13, 2026.