Freeway Insurance Franchise FDD, Profits & Costs (2025)
Freeway Insurance was established in 1987 in Orange County, California, and has since become one of the nation’s largest privately owned insurance distributors.
The company is headquartered in Huntington Beach, California, and offers a broad selection of insurance options such as auto, home, renters, health, life, motorcycle, and watercraft coverage. Freeway is widely recognized for supporting high-risk drivers and underserved communities by providing affordable and easily accessible policies throughout the United States.
In 2008, the brand became part of Confie, a major national insurance distribution platform, which allowed it to accelerate growth and expand nationwide. Freeway entered the franchise market in 2021 and now operates more than 500 retail offices across 32 states, with strong presence in markets like California, Texas, Florida, and Illinois.
What makes Freeway Insurance stand out is its focus on affordability and customer convenience. Policyholders can manage their insurance needs in person, through digital platforms, or over the phone, ensuring a flexible and personalized service experience.
Initial Investment
How much does it cost to start a Freeway Insurance franchise? It costs on average between $35,000 – $84,000 to start a Freeway Insurance franchised facility.
This includes expenses such as office build-out, furniture, technology systems, licensing, and initial working capital. The total investment can vary based on several factors, including the size and location of the office, regional market conditions, and whether the franchisee leases or purchases the premises.
| Type of Expenditure | Amount |
|---|---|
| Initial Fee | $10,000 – $25,000 |
| Leasehold Improvements | $4,000 – $12,000 |
| Fixtures, Furnishings & Equipment | $4,000 – $6,000 |
| Signage | $2,200 – $4,500 |
| Computer System | $3,000 – $6,000 |
| Rent, Security Deposits and Utility | $1,000 – $3,200 |
| Business Licenses & Permits | $500 – $800 |
| Professional Fees | $500 – $1,000 |
| Training Expenses | $500 – $2,500 |
| Insurance | $3,000 – $5,000 |
| Initial Inventory of Operating Supplies | $500 – $1,000 |
| Grand Opening Advertising | $500 – $1,500 |
| Additional Funds | $5,250 – $15,500 |
| Total Estimated Initial Investment | $34,950 – $84,000 |
Average Revenue (AUV)
How much revenue can you make with a Freeway Insurance franchise? A Freeway Insurance franchised location makes on average $121,000 in revenue (AUV) per year.
Here is the extract from the Franchise Disclosure Document:
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Frequently Asked Questions
How many Freeway Insurance locations are there?
As of the latest data, Freeway Insurance operates 562 retail locations across the United States.
What is the total investment required to open a Freeway Insurance franchise?
The total investment required to open a Freeway Insurance franchise ranges from $35,000 to $84,000.
What are the ongoing fees for a Freeway Insurance franchise?
A Freeway Insurance franchise requires ongoing payments that include a royalty fee of 14% of total sales commissions and ancillary revenue and a marketing fee of 7% of sales commissions and ancillary revenue.
What are the financial requirements to become a Freeway Insurance franchisee?
To qualify as a Freeway Insurance franchisee, you must have a net worth of at least $250,000, including a minimum of $50,000 in liquid capital.
How much can a Freeway Insurance franchise owner expect to earn?
The average gross sales for a Freeway Insurance franchise are approximately $0.12 million per location. Assuming a 15% operating profit margin, $0.12 million yearly revenue can result in $18,000 EBITDA annually.
Who owns Freeway Insurance?
The Freeway Insurance franchise is owned by Confie, a leading national insurance distribution company.
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