Insurance franchises
The typical insurance franchise here costs $54,800 to $111,500 to open. Sort the table by cost, fee, royalty or number of locations.
- Brands
- 17
- Typical cost
- $55K–$112K
- Lowest start
- $22KFrontier Adjusters
- Share earnings
- 9 of 17
All 17 brands
Sort by any column, or filter by budget and fees.
| $66K–$112K | $50,000 | 20% / 50% | 1,022 | Yes | |
| $35K–$84K | $25,000 | 14% of defined total revenue | 696 | Yes | |
| $22K–$30K | $15,000 | 15% | 527 | $56K | |
| $43K–$187K | $25,000+ | 20% / 50% | 354 | Yes | |
| $27K–$99K | $5,000+ | $881+ a month by premium | 302 | No | |
| $70K–$193K | $25,000 | 20%–25% of commissions | 264 | $540K | |
| $50K–$84K | $25,000 | 10%–14% | 233 | Yes | |
| $33K–$70K | $10,000 | 15% of revenues | 156 | No | |
| $60K–$138K | $40,000+ | 25%–45% of sales commissions | 132 | $462K | |
| $129K–$190K | $100,000 | 15% new, 30% renewals | 45 | No | |
| $30K–$108K | $25,000+ | 20%–50% of commissions | 45 | No | |
| $68K–$138K | $49,900 | 15% | 42 | No | |
| $45K–$115K | $30,000 | 20% of commissions | 28 | No | |
| $55K–$64K | $50,000 | 30%–40% | 3 | Yes | |
| $100K–$202K | $55,000 | 20%–30% of net revenues; minimums | 1 | No | |
| $62K–$110K | $25,000 | $825 a month | – | No | |
| $83K–$115K | $40,000 | 30% | – | Yes |
How insurance franchises compare
Of the 17 brands, 3 give a comparable yearly sales figure per location, from $56K at Frontier Adjusters to $540K at Fiesta Insurance; the middle figure is $462K. From 2023 to 2025, 5 of the 7 brands with three years of counts grew their US locations, and Freeway Insurance added the most (+227). Who runs it, by the franchise agreement: 9 must be run by the owner, 6 can be run by a trained manager, 1 don’t need the owner to take part. How sales figures compare · Who runs it
| Brand | Sales per location | Locations vs 2023 | Exits/yr |
|---|---|---|---|
| Fiesta InsuranceOwner must run it | $540Kaverage | 264 | n/a |
| We InsureA trained manager can run itExits: 1.9% a year | $462Kaverage | 132−93 | 1.9% |
| Frontier AdjustersOwner must run it | $56Kaverage | 527 | n/a |
| Goosehead InsuranceOwner needn't take partExits: 23.7% a year | n/a | 1,022−402 | 23.7% |
| Freeway InsuranceA trained manager can run itExits: 5.2% a year | n/a | 696+227 | 5.2% |
| Brightway InsuranceOwner must run itExits: 19.1% a year | n/a | 354+67 | 19.1% |
| Keystone Insurers GroupOwner must run it | n/a | 302 | n/a |
| Estrella InsuranceOwner must run it | n/a | 233+48 | n/a |
| GlobalGreen Insurance AgencyOwner must run it | n/a | 156 | n/a |
| Renegade InsuranceA trained manager can run it | n/a | 45 | n/a |
| Veronica's InsuranceA trained manager can run it | n/a | 45 | n/a |
| Legacy Claims Services | n/a | 42 | n/a |
| Clearview InsuranceA trained manager can run itExits: 3.8% a year | n/a | 28+27 | 3.8% |
| The PEO LinkOwner must run itExits: none a year | n/a | 3+2 | none |
| SelectQuote Local InsuranceOwner must run it | n/a | 1 | n/a |
| DCAP InsuranceA trained manager can run it | n/a | – | n/a |
| Prominent InsuranceOwner must run it | n/a | – | n/a |
Sales are the yearly average (or median) per franchised location from each brand’s latest filing; per-owner figures, company-run locations and groups under five locations are left out. Locations are franchised plus company-owned in the US at the end of the latest year reported, with the change since 2023. Exits/yr is franchised locations closed, terminated or not renewed each year, as a share of the average count; buy-backs and transfers don’t count.
Best insurance franchises to own
No insurance brand here passes all five tests (growth, few owner exits, earnings figures shared, SBA listing, 100+ US locations three years ago); these came closest. How the ranking works
| Brand | Growth | Exits/yr | Cost to open |
|---|---|---|---|
| We InsureMissed “Grew”: shrank 41% over three years$60K–$138K to open | −41% | 1.9% | $60K–$138K |
| Freeway InsuranceMissed “Few exits”: 5.2% of locations exited each year$35K–$84K to open | +48% | 5.2% | $35K–$84K |
Related lists
Insurance franchises: questions
What is the cheapest insurance franchise?
Of the 17 brands here, Frontier Adjusters has the lowest estimated starting investment: $21,500 to $30,450 to open.
Which insurance franchise is the largest?
Goosehead Insurance, with 1,022 locations (1,009 franchised) at the end of 2025.
What royalty do insurance franchises charge?
Royalties on gross sales in this list run from 15% to 20%, with a median of 15%. Most brands add a separate marketing or brand fund fee.
Which insurance franchises share earnings figures?
9 of 17 share sales or earnings figures, among them Brightway Insurance, Estrella Insurance, Fiesta Insurance, Freeway Insurance.