Estrella Insurance franchise
2026 filing · April 17, 2026Shares sales figures
Estrella Insurance at a glance
An insurance agency and financial services office operating under the Estrella Insurance name. At the end of 2025 there were 233 Estrella Insurance locations in the US, all franchised.
The business
- Industry
- Insurance
- Franchisor
- Estrella Franchising, LLC
- The company that sells the franchises
- Franchisor based in
- Miami, Florida
- Typical size
- 800–1,200 sq ft
What you pay
- Cost to open
- $50K–$84K
- A commercial office
- Franchise fee
- $25,000
- $20,000 for a second office and $16,000 for a third
- Royalty
- 10%–14%
- 10% to 14% of net commissions, depending on the office's location, paid monthly
- Brand fund
- Yes
- 7% of net commissions, paid monthly
- Renewal fee
- $5,000
- When the agreement ends and you sign again
- Agreement length
- 10 years
- Franchisor financing
- Some financing offered
Where it is
- US locations, 2025
- 233
- Franchised and company-owned
- Franchised
- 233
- Company-owned
- 0
From Estrella Franchising, LLC’s 2026 filing; SBA status from the SBA Franchise Directory, October 28, 2026.
Where it ranks
Estrella Insurance among all franchises with the same figure.
| Figure | Estrella Insurance | Among all franchises |
|---|---|---|
| Cost to open, midpointHalfway between the low and high estimate | $66,975 | Costs less than 94% of franchises |
| Franchise feePaid once, when you sign | $25,000 | Lower than 82% of franchises |
| US locationsFranchised and company-owned | 233 | More than 88% of franchises |
How much a Estrella Insurance franchise costs
Opening a commercial office costs an estimated $49,950 to $84,000. That covers the franchise fee and everything else needed to open, through the first months of working capital. It is one of the franchises under $50K.
The biggest costs are initial franchise fee ($25,000) and additional funds (3 months) ($5,000 to $15,000). Here is every line of the estimate as filed:
| What it pays for | Range | Low | High |
|---|---|---|---|
| Initial franchise fee | $25,000 | ||
| Construction Leasehold, Improvements, Remodeling and Decorating Costs | $4,000 | $12,000 | |
| Office Supplies | $500 | $1,000 | |
| Equipment, Furnishings, Fixtures and Other Fixed Assets | $4,000 | $6,000 | |
| Computer | $3,000 | $6,000 | |
| Signage | $2,200 | $4,500 | |
| Insurance | $3,000 | $5,000 | |
| Training Expenses | $500 | $2,500 | |
| Security Deposits, Utility Deposits, Business Licenses and Other Prepaid Expenses | $1,500 | $4,000 | |
| New Agency Package | $250 | $500 | |
| Fictitious Name Registration and/or Incorporation and Legal Review | $500 | $1,000 | |
| Miscellaneous | $500 | $1,500 | |
| Additional Funds (3 months) | $5,000 | $15,000 | |
| Total | $49,950 | $84,000 | |
Source: Estrella Franchising, LLC, 2026 filing, page 13
Estrella Insurance franchise fee
The franchise fee is $25,000, $20,000 for a second office and $16,000 for a third. You pay it when you sign the franchise agreement.
Source: Estrella Franchising, LLC, 2026 filing, page 9
Royalty and ongoing fees
| Royalty | 10% to 14% of net commissions, depending on the office's location, paid monthly. |
|---|---|
| Brand or marketing fund | 7% of net commissions, paid monthly. |
| Transfer Fee | $7,500 to $17,500 |
| Renewal Fee | $5,000 |
The typical franchise royalty is 6% of sales, plus 2% for marketing. See franchise fees and royalties to compare.
Source: Estrella Franchising, LLC, 2026 filing, pages 10 and 11
Other fees as filed, from page 11. The filing lists every fee, including late fees and audit costs.
Sales and earnings
Shares figures Estrella Insurance publishes sales or earnings figures for its locations. The full tables, with notes on which locations are counted, are in its filing.
Source: Estrella Franchising, LLC, 2026 filing, page 38
SBA loans to Estrella Insurance franchisees
Lenders approved 11 SBA 7(a) loans for Estrella Insurance franchisees from 2016 to 2026, $3M in all. All 3 that have ended were paid in full; none was charged off. The other 8 haven’t ended yet.
A charged-off loan is one written off as uncollectible. See SBA franchise loans for how 7(a) and 504 loans work.
Source: SBA 7(a) and 504 loan data, as of September 30, 2026
How Estrella Insurance compares
Of the 17 insurance franchises on this site, Estrella Insurance is the 8th cheapest to open and the 7th largest by number of locations.
| Figure | Estrella Insurance | Typical insurance brand | Typical franchise |
|---|---|---|---|
| Cost to open, low end | $50K | $55K | $222K |
| Cost to open, high end | $84K | $112K | $477K |
| Franchise fee | $25K | $25K | $40K |
| US locations | 233 | 156 | 21 |
| Change in franchised locations, 0 yrs | +25.9% | +11.6% | – |
| Shares earnings figures | Yes | 9 of 17 | 2,147 of 3,352 |
Typical is the median across the 17 brands in insurance franchises; typical franchise, across every brand here.
Locations opened and closed
| Year | Franchised | Company-owned |
|---|---|---|
| 2023 | 201 (+16) | 0 |
| 2024 | 214 (+13) | 0 |
| 2025 | 233 (+19) | 0 |
Closed or left counts terminations, non-renewals, locations bought back by the franchisor and locations that stopped operating.
See which brands grew most in the fastest-growing franchises rankings.
More in the guides: franchise failure rates.
Source: Estrella Franchising, LLC, 2026 filing, page 40
Who owns Estrella Insurance?
Estrella Insurance franchises are sold by Estrella Franchising, LLC.
From Estrella Franchising, LLC’s 2026 filing.
Lawsuits and bankruptcy
| Lawsuits and regulatory actions | Yes. The filing describes past or pending cases involving the franchisor, its affiliates or its executives on page 9. |
|---|---|
| Bankruptcy | None. The filing says no bankruptcy has to be disclosed. |
Franchisors must disclose lawsuits and bankruptcies involving the company, its parents and affiliates, and its executives. Many cases are routine disputes with franchisees over fees or contracts; read the descriptions in the filing and ask current owners about anything that worries you.
Source: Estrella Franchising, LLC, 2026 filing, litigation on page 9, bankruptcy on page 9
Estrella Insurance filings
The figures on this page come from Estrella Franchising, LLC’s 2026 filing, issued April 17, 2026, on record with the NASAA Electronic Filing Depository.
| Filing | Issued | Registry | On this page |
|---|---|---|---|
| 2026 filing | April 17, 2026 | NASAA depository | Costs, fees and locations, 2023–2025 |
Each link opens the filing as a PDF. See the newest filings across all brands.
