Estrella Insurance Franchise FDD, Profits & Costs (2025)
Estrella Insurance, founded in 1980 by Nicolas Estrella, is a Miami-based insurance agency and financial services provider specializing in auto, home, commercial, business, life, and health insurance. The company began franchising in 2008 and has since expanded to over 200 locations across the United States, including Florida, Arizona, Texas, Illinois, New York, Colorado, and North Carolina.
The franchise offers a comprehensive range of insurance products, catering to diverse customer needs. Estrella Insurance differentiates itself by representing over 100 insurance carriers, enabling franchisees to provide tailored solutions at competitive rates. This extensive network of partners enhances the company’s ability to serve a broad customer base effectively.
Recognized for its growth and stability, Estrella Insurance has been ranked among the top franchises in Entrepreneur Magazine’s Franchise 500® for 13 consecutive years, including being ranked #1 in its category in 2025.
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Initial Investment
How much does it cost to start a Estrella Insurance franchise? It costs on average between $12,000 – $84,000 to start a Estrella Insurancefranchised facility.
This includes costs for office setup, equipment, inventory, and initial operating expenses. The exact amount depends on various factors, including the location, size of the office, and whether the franchisee chooses to lease or purchase the property. Estrella Insurance offers 2 types of franchises:
| Business Type | Initial Investment |
|---|---|
| Commercial Office Franchised Business | $49,950 to $84,000 |
| Home-Based Franchised Business | $12,250 to $17,500 |
We are summarizing below the main costs associated with opening a Estrella Insurance Commercial Office Franchised Business. For more information on costs required to start a Estrella Insurance franchise, refer to the Franchise Disclosure Document (Item 7).
| Type of Expenditure | Amount |
|---|---|
| Initial franchise fee | $25,000 |
| Construction Leasehold, Improvements, Remodeling, and Decorating Costs | $4,000 to $12,000 |
| Office Supplies | $500 to $1,000 |
| Equipment, Furnishings, Fixtures and Other Fixed Assets | $4,000 to $6,000 |
| Computer | $3,000 to $6,000 |
| Signage | $2,200 to $4,500 |
| Insurance | $3,000 to $5,000 |
| Training Expenses | $500 to $2,500 |
| Security Deposits, Utility Deposits, Business Licenses and Other Prepaid Expenses | $1,500 to $4,000 |
| New Agency Package | $250 to $500 |
| Fictitious Name Registration and/or Incorporation and Legal Review | $500 to $1,000 |
| Miscellaneous | $500 to $1,500 |
| Additional Funds (3 months) | $5,000 to $15,000 |
| Total Estimated Initial Investment | $49,950 to $84,000 |
Average Revenue (AUV)
How much revenue can you make with a Estrella Insurance franchise? A Estrella Insurance franchised business makes on average $398,000 in revenue (AUV) per year.
Here is the extract from the Franchise Disclosure Document:
This compares to $228,000 yearly revenue for similar insurance franchises. Below are a few Estrella Insurance competitors as a comparison:
The most profitable franchises to own in 2025
We have compiled the list of the top 400 franchises across 9 industries. Download the report below.
Estrella Insurance Franchise Disclosure Document
Frequently Asked Questions
How many Estrella Insurance locations are there?
As of the latest data, Estrella Insurance has over 200 locations, with all of them being franchise-owned.
What is the total investment required to open a Estrella Insurance franchise?
The total investment required to open a Estrella Insurance franchise ranges from $12,000 to $84,000.
What are the ongoing fees for a Estrella Insurance franchise?
The ongoing fees for an Estrella Insurance franchise include a royalty fee ranging from 10% to 14% of commissions earned. Additionally, franchisees are required to pay a marketing fee, which is typically 7% of their commissions. These fees help support the franchise’s operational and marketing initiatives, ensuring continued business development and brand growth.
What are the financial requirements to become a Estrella Insurance franchisee?
To become an Estrella Insurance franchisee, the financial requirements include a minimum net worth of $100,000 and liquid capital of at least $50,000.
These requirements ensure that potential franchisees have the financial stability and resources necessary to invest in and operate a successful franchise, covering initial startup costs and ensuring smooth business operations.
How much can a Estrella Insurance franchise owner expect to earn?
The average gross sales for a Estrella Insurance franchise are approximately $0.4 million per location. Assuming a 15% operating profit margin, $0.4 million yearly revenue can result in $60,000 EBITDA annually.
Who owns Estrella Insurance?
Estrella Insurance franchise is owned by Estrella Insurance Corporation, a privately held company.
Disclaimer
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