Freeway Insurance

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Freeway Insurance is a U.S.-based insurance brokerage that offers low-cost auto and other personal insurance products through multiple carriers, including its Baja Insurance/Baja Auto Insurance brand.

Huntington Beach, CA
freewayinsurance.com
Owned by Confie

About Freeway Insurance

Freeway Insurance is a large personal-lines insurance brokerage headquartered in Huntington Beach, California. It specializes in helping customers—particularly value- and credit-challenged drivers—find low-cost auto insurance by comparing quotes from multiple carriers. Through its family of brands, including Baja Insurance/Baja Auto Insurance in Texas, Freeway also offers motorcycle, renters, homeowners, Mexican auto, and other specialty insurance products via phone, online, and local offices. ([bbb.org](https://www.bbb.org/us/ca/huntington-beach/profile/insurance-companies/freeway-insurance-1126-100026151?utm_source=openai))

A charge with a descriptor like “POS DEBIT FRWY / BAJA INS HUNTINGTON B CA” is most likely from a Freeway Insurance or Baja Insurance office processing an insurance premium, down payment, policy fee, or renewal. These charges may be for new policies, policy renewals, reinstatements after a lapse, or modifications such as adding a vehicle or driver. Because Freeway operates as a broker/agency, the card charge typically comes from Freeway/Baja rather than from the underlying insurance carrier, which can confuse customers who only recognize the carrier’s name on their policy documents.

If you don’t recognize this charge, start by checking any recent auto or personal insurance quotes or policies you obtained through Freeway Insurance, Baja Insurance/Baja Auto Insurance, or related Confie brands. Look for confirmation emails, policy numbers, and receipts sent around the transaction date, and log into your online account (if you created one) to review billing history. If questions remain, you can contact Freeway Insurance customer service using the phone numbers or contact options listed on freewayinsurance.com or bajaautoinsurance.com, provide the date and amount of the charge, and ask them to trace it. They can clarify whether it’s a premium, fee, or installment, adjust or cancel future payments if appropriate, or advise you on disputing the transaction with your bank if it cannot be matched to any account. ([uk.trustpilot.com](https://uk.trustpilot.com/review/freewayinsurance.com?utm_source=openai))

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Freeway Insurance.

  1. POS DEBIT FRWY / BAJA INS HUNTINGTON B CA 8887

Frequently Asked Questions

Why does my bank statement show “FRWY / BAJA INS HUNTINGTON B CA” instead of my insurance company’s name?

Freeway Insurance and its Baja Insurance/Baja Auto Insurance brand act as brokers and agencies, so card payments are typically processed under their merchant name (often abbreviated to FRWY or BAJA INS) rather than the underlying insurance carrier. The Huntington Beach, CA reference often reflects corporate or processing locations, not necessarily the local office you visited.

What types of charges might I see from Freeway Insurance or Baja Insurance on my card?

Common charges include initial down payments to start a policy, monthly or biweekly installment premiums, policy reinstatement fees after a lapse, endorsement fees when you change vehicles or drivers, and renewals. The amounts can range from small service fees to larger first-payment amounts when a new policy is bound.

How can I confirm which policy a Freeway/Baja Insurance charge is for?

Compare the transaction date and amount on your bank statement with your Freeway or Baja Insurance receipts, emails, or text confirmations. If you have an online account, log in to review your payment history. If you still can’t match the charge, call Freeway Insurance customer service using the number listed on freewayinsurance.com or on your policy documents and ask them to look up the transaction by date, amount, and last four digits of your card.

How do I cancel my policy or stop recurring payments with Freeway or Baja Insurance?

Policies usually must be cancelled directly with Freeway/Baja or your assigned agent—cancelling the card alone may not cancel the policy. Contact your local office or call customer service, request cancellation as of a specific date, and ask them to confirm any earned premium, fees, or potential refund. Also verify whether you are on automatic payments and request that auto-debit be turned off going forward.

Can I get a refund for a Freeway/Baja Insurance charge I don’t recognize or no longer need?

Refunds depend on state law and the terms of your policy. In many cases, only the unused portion of premium after fees is refundable. If you believe you were charged in error or for a cancelled policy, contact Freeway/Baja Insurance promptly with your policy number and proof of cancellation. They can calculate any pro-rated refund and, if appropriate, issue it back to your original payment method.

Why do I see multiple smaller charges from Freeway or Baja Insurance instead of one large payment?

Freeway and Baja commonly set up installment plans where your total premium is split into a down payment plus several smaller recurring charges (often monthly, biweekly, or aligned with payday schedules). It’s normal to see several similarly sized charges over the policy term if you enrolled in an installment or EFT/auto-debit plan.

Could this Freeway/Baja Insurance charge be an authorization hold?

In most cases, charges from Freeway/Baja Insurance are actual premium or fee payments rather than $0–$1 test authorizations, but you might see a pending amount briefly while your payment is being processed. If a pending transaction never posts or disappears after a few days, it may have been a hold or a declined attempt; if it posts and settles, it is treated as a real payment.

How can I contact Freeway Insurance or Baja Insurance about a billing issue on my statement?

Use the customer service numbers and contact forms provided on freewayinsurance.com or bajaautoinsurance.com, or call the phone number printed on your policy documents or local office receipt. Have your policy number, vehicle information, transaction amount, and transaction date ready so they can quickly locate the payment and explain or correct the charge.

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