Freeway Insurance Franchise FDD, Costs & Fees (2026)

Freeway Insurance provides a wide range of insurance products, offering affordable and personalized coverage options to meet the needs of individuals and businesses.

KEY FRANCHISE STATS

Franchisees

n.a.

Franchise fee

$25,000

Investment

$35,000 - $84,000

Revenue (AUV)

$121,000

n.a.

Founded in 1987 in Orange County, California, Freeway Insurance has grown into one of the largest privately held insurance distribution companies in the United States.

Headquartered in Huntington Beach, California, the company provides a wide range of insurance products, including auto, home, renters, health, life, motorcycle, and watercraft coverage. Freeway is especially known for serving high-risk drivers and underserved communities, offering affordable and accessible insurance solutions nationwide.

In 2008, Freeway Insurance joined Confie, a prominent national insurance distribution platform. This strategic alliance enabled Freeway to expand its footprint across the country. The company began franchising in 2021 and has since established over 500 retail locations across 32 states, including California, Texas, Florida, and Illinois.

Freeway Insurance sets itself apart by combining affordability, convenience, and personalized service. Customers can access services in-person, online, or over the phone—offering maximum flexibility.

Initial investment

The initial investment required for a Freeway Insurance franchise is $35,000 - $84,000. That is the total cost you would need to finance if you were to start this franchise. These costs are provided by the franchisor in the Franchise Disclosure Document.

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 Deposits	$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

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 Deposits	$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

Franchise Disclosure Document

Below is Freeway Insurance's 2024 Franchise Disclosure Document. Upgrade to Pro or purchase the FDD to view and download the document.

Number of units

Freeway Insurance had 562 total units in 2024, of which 19 were franchised-owned and 543 company-owned.

Frequently Asked Questions

Competitors

Below are some of

Freeway Insurance

key competitors in the

Insurance

sector.

Franchise

Upgrade

New

n.a.

14.00%

$35,000

$84,000

$121,000

n.a.

Pronto

$25K - $50K

New

-28%

$27,000

$115,000

$690,000

n.a.

Federal Injury Centers

$100K - $200K

New

825%

8.00%

$107,000

$160,000

n.a.

Veronica's

$50K - $100K

New

50%

15% - 30%

$79,000

$140,000

n.a.

We Insure

$25K - $50K

197

New

$600 - $1,000

$44,000

$137,000

n.a.

All Nevada Insurance

$50K - $100K

New

40%

10% - 20% of Commissions

$59,000

$145,000

n.a.

Estrella Insurance

Under $25K

201

New

18%

10% - 14% of Net Commissions

$12,000

$84,000

$398,000

n.a.

Training

Freeway Insurance provides a comprehensive training program to its franchisees. Here are the main training components offered by the franchisor:

Initial Management Training: This is provided at no extra charge to the franchisee and its owners. It must be completed to the satisfaction of the franchisor and can be conducted at the corporate office, approved franchise location, or another site designated by the franchisor. This program combines both remote and in-person training formats.
Initial Operations Training: Aimed at the Brokerage Principal Operator and other approved designees, this training is also offered at no additional cost if they attend concurrently with the franchisee. Successful completion is mandatory for proceeding with operations.
Additional Required Training: After the franchise begins operations, the franchisor may mandate up to four training events per calendar year at its headquarters. These are subject to a fee of $350 per attendee, in addition to associated travel and living costs.

Territory Protection

Freeway Insurance offers its franchisees a form of limited territorial protection, referred to as a "Protected Area." While franchisees are not granted an exclusive territory overall, they are protected from having another Freeway Brokerage established within their specifically designated Protected Area, as long as they remain in good standing and not in default of their agreement.

However, Freeway Insurance explicitly reserves broad rights outside the Protected Area. The franchisor, along with its affiliates, retains the ability to operate or license others to operate similar businesses using different branding anywhere, including within the Protected Area.