Freeway Insurance Franchise Cost, Revenue & Review 2026
- Investment
- $35K – $84K
- Disclosed sales
- $372K
- gross sales, not profit
- SBA charge-off
- Under 10 loans (1)
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
Freeway Insurance is an insurance-brokerage franchise selling personal auto and other personal-lines policies, plus add-ons like roadside assistance and registration services. Franchisees run storefront offices placing and servicing coverage across carriers.
FranchiseVerdict summary · 2026
A Freeway Insurance franchise requires a total initial investment of $35K – $84K, including a $10K – $25K franchise fee and an ongoing 14.0% royalty[2]. Per the 2026 FDD, average unit revenue was $372K[2]. FranchiseVerdict grade: A (Strongest tier), an editorial assessment, not investment advice. Run a live ROI scan →
Sources, dates and evidence
FDD issued: · Data extracted: · Last cited check: · Staleness risk: low - issued within the last 12 months
Evidence: strong✓ Investment (Item 7)✓ Item 19 status✓ Units and owners (Item 20)✗ SBA loan coverage✓ Litigation (Item 3)✓ Financial statements (Item 21)✓ Franchisor identityhow this is scored7 of 8 headline figures on this page cite a page of the filing; the rest are marked “Not cited” beside the figure.
Overview
- Investment
- $35K – $84K
- 16th pct Financial Ser…
- Avg gross sales
- $372K
- 16th pct Financial Ser…
- Royalty
- 14.0%
- 39th pct Financial Ser…
- Units
- 696
- 73rd pct Financial Ser…
- SBA charge-off
- N/A
Quick verdict · Financial Services · color = vs category peers
Green = favorable by >10% vs Financial Services median · No shading = within ±10% · Red = unfavorable by >10% · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Bottom line
- COSTTotal investment $35K – $84K including a $25K franchise fee, 14.0% ongoing royalty.
- RETURNSAverage unit revenue of $372K/year (median $205K).
- RISKVerdict A (Strongest tier), verdict score 99/100 (higher is better).
- GROWTHPositive: net +14 franchised outlets in the latest year (20 opened, 6 closed) (Item 20).
- GROWTHSystem growing at 147.4% CAGR over 3 years with 696 total units. Strong expansion trajectory.
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- Confie Franchise Services, LLC
- Parent company
- Confie Holding II Co.
- FDD Item 1, page 8 of the 2026 FDD
- CEO title
- Chief Executive Officer
- Cesar Soriano
- Incorporated in
- Nevada
- HQ
- 7711 Center Avenue, Suite 200, Huntington Beach, CA 92647
- Auditor
- CoSurge LLC (d/b/a CoSurge CPAs)
- Audited financials
- Franchisor revenue
- $4.2M
- vs $2.0M prior year
Overview
About
- CEO
- Cesar Soriano
- Headquarters
- CA
- Founded
- 2021
- FDD year
- 2026
- States available
- 7
Can you afford it, and what does the money buy?
Entry cost runs 37% below the typical financial services franchise.
Source: FDD 2026 · Items 5–7
FDD Item 7 · 2026 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $25K | $25K |
| Working capital (3–6 mo) | $5K | $16K |
| Equipment, build-out, other | $5K | $44K |
| Total initial investment | $35K | $84K |
Source: Freeway Insurance 2026 FDD, Items 5 and 7[2]. “Equipment, build-out, other” is computed as total minus disclosed line items above.
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $35K – $84K
- Top 40% of category vs category
- Liquid capital req'd
- $5K – $16K
- Middle of category vs category
- Franchise fee
- $10K – $25K
- Top 40% of category vs category
- Royalty
- 14.0%
- typical 6–8%
- Ad fund
- 7.0%
- typical 3–5%
- Total fee load
- 21.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 14.0% of gross sales |
| Marketing / ad fund | 7.0% |
| Technology fee | $1K |
| Transfer fee | $19K |
| Renewal fee | $5K |
| Inventory (initial) | $500 – $1K |
| Total fee load | 21.0% of rev |
At 21.0% total fee load, roughly $78K per year goes to the franchisor before you pay a single operating expense.
What do units actually make?
Average unit sales run 42% above the financial services norm.
Source: FDD 2026 · Item 19
Single-unit · not modelled
Returns at a glance
An FDD discloses gross sales, not profit, and the operating costs that turn one into the other are in no filing. We publish no modelled return for Freeway Insurance until someone supplies them — yours, in the models below.
—
Not modelled yet
An FDD discloses gross sales, not profit. We hold no sourced figure for COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
Total invested capital · disclosed
$70K
Item 7 initial investment plus working capital, as filed — the one figure here that needs no assumption.
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
What one unit earns on your invested capital
Model A · Single-Unit Return
Computes unlevered return on invested capital (ROIC) for a single franchise unit, read against the 30–60% reference band · Yale SOM, Post-MBA Path Exhibit 2 (2023). Below that band a passive index fund likely outperforms; above it the franchisor has pricing power you're subsidizing.
Note: Item 19 revenue is what the franchisor discloses, and it is the top line only — gross sales are not profit. No FDD discloses the operating costs that turn one into the other, so those fields start empty and nothing is modelled until you supply them from your own lease quote, labor market and build-out budget.
Returns model · single-unit ROIC
What would one Freeway Insurance unit return on the cash you put in?
Illustrative category typicals — not sourced to any filing, survey or sample. Replace them with figures from franchisee validation calls before you rely on the output.
Unlevered ROIC · per unit
Your modelled return on total invested capital, before any debt financing.
—
An FDD discloses gross sales, not profit. We hold no sourced figure for COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
What 25 units return when you use SBA financing
Model B · Return on Equity: Debt-Financed Acquisition
Models a 25-unit portfolio acquisition financed with an SBA 7(a) loan. Shows equity IRR (your return on cash invested), DSCR (how safely the cash flow covers debt service), and the capital stack (SBA + seller + equity breakdown).
This is the “search fund” or “entrepreneurship through acquisition” scenario: you buy an existing multi-unit operator, use leverage to amplify returns, and either operate or hire management. The 25-unit size is the typical minimum for an SBA-backed franchise portfolio acquisition to pencil as a full-time income.
What “return on equity” means here: if you put in $500K of your own cash and the business generates enough EBITDA to pay down debt and grow, your equity IRR is the annual return on that $500K, including the value created when you eventually sell. Target IRR for a search fund is typically 25–35%.
Not modelled yet
An FDD discloses gross sales, not profit. We hold no sourced figure for COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
A 25-unit return is built on a per-unit EBITDA. Fill in the operating costs in Model A above and this model runs on that figure, or take the whole scenario to the full ROI workbench, where the portfolio and LBO models accept your own per-unit economics directly.
These models are for research and scenario planning only. Not investment advice. Actual results depend on your specific location, management, and market conditions. Consult a franchise attorney and accountant before signing any franchise agreement.
Item 19 · Source: 2026 FDD
Financial Performance
- Avg gross sales
- $372K
- Per unit, per year
- Median gross sales
- $205K
Gross sales are revenue before expenses — not profit. Actual owner earnings depend on rent, labor, royalties, marketing fees, and debt service.
- Item 19 type
- gross sales
- Sample size
- 27 outlets
- vs category median 94 · small
- Range (low → high)
- $14K→$2.0MCited, not corroborated — printed on page 67 of the 2026 FDD. Nothing else in our record independently restates or re-derives it.
- Cohort dispersion (min → max)
- Reporting year
- 2025
- Fiscal year the figures cover
- Source filing
- FDD 2026
- Disclosed in the 2026 filing, covering 2025
- Transparency
- 4 / 10
- vs category median 0 / 10 · above
Compared against 45 Financial Services brands
Revenue is 6.3x the investment midpoint. At typical franchise margins, this suggests a payback under 3 years.
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Unit economics
Average unit generates $372K/year in gross sales. Median is $205K — top performers pull the average up, so a typical unit earns less. Revenue-to-investment ratio: 6.3x.
Fee burden
Total ongoing fee load of 21.0% — above the Financial Services median of 16.5%.
Disclosure
Transparency score 4/10 — this franchisor discloses detailed breakdowns (quartiles, segments, or cohort data). Buyers can model unit economics with higher confidence.
Operator retention
System expanding at 147.4% CAGR over 3 years across 696 units — operators are staying and new ones are joining.
Source: FDD Item 19 financial performance representations and publicly filed FDD data. Past performance is not indicative of future results. Verify all figures with the franchisor and current franchisees before making any investment decision.
vs Financial Services medians
How Freeway Insurance Compares
Category median of published Financial Services brands that report the figure; the middle half spans the 25th to 75th percentile and n counts the brands behind it. Medians are used because a few very large systems pull an average far from the typical brand. Revenue is disclosed gross sales, not profit.
Is the system healthy?
Source: FDD 2026 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 696
- Opened
- 20
- Last reporting year
- Closed
- 6
- Terminated
- 3
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 0.9%
- Company-owned
- 649
- Corporate units in the system
- % franchised
- 7%
- vs corporate-owned
- Net growth (3-yr)
- +147.4%
- Net unit change over 3 years
- 3-yr CAGR
- +147.4%
- Compounded over last 3 years
Last fiscal year · Item 20 exits and transfers
- Terminated
- 3
- Not renewed
- 0
- Transferred
- 0
- Reacquired
- 3
- Franchisor bought back
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 7 states with active franchisees
The Territory Map
Derived from franchisee contact records. Shows states with at least one current operator. Not where the franchisor is registered to sell new units (that data is re-extracting in a future refresh).
States derived from franchisee contact records (FDD Item 20). Shows states with at least one current operator on file. Full state registration data (Item 12) will appear on a future FDD refresh.
Where the owners are · Item 20 owner list
38 current owners across 7 states.
- CA 20
- TX 8
- FL 4
- GA 2
- TN 2
- CO 1
- IL 1
Counts only, from the list the franchisor prints in Item 20. Names and phone numbers are for your own due diligence and are not shown here.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA loan disclosures. This brand has only 1 7(a) loan on file; statistical reliability is limited below 10 loans.
- Total loans
- 1
- Loan volume
- $104K
- Median loan
- $104K
- 50th percentile
- Charge-off rate
- Under 10 loans (1)
- Insufficient SBA coverage: 1 loan, rate hidden below 10
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- Under 10 loans (1)
- 5-yr charge-off
- Under 10 loans (1)
- Loans approved 2021+
- Active lenders
- 1
- Defaults
- N/A
Explore lender portfolios on Bank Reports or regional data on State Reports.
What could kill this investment?
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating + FDD Items 3, 4, 8, 16, 21
Risk & Legal
While Freeway Insurance shows strong unit growth and no litigation, the absence of profitability disclosure combined with a steep 14% royalty rate presents meaningful risk in assessing realistic franchisee earnings.
Litigation (Item 3)
Subject: officers or affiliates. The franchisor is not a named party in these cases.
No litigation disclosed in Item 3.
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · CoSurge LLC (d/b/a CoSurge CPAs)
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: Yes
- Kickbacks from required suppliers: No
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: No
Score breakdown · what drove the 99 / 100 verdict
- 01MEDNet income not disclosed in FDD Item 19 — unable to calculate actual ROI or profitability benchmarks
- 02MINORHigh royalty burden of 14% on gross revenue significantly impacts bottom-line profitability
- 03MINORRapid unit growth of 73.7% YoY may indicate unsustainable expansion or aggressive recruitment over quality support
- 04MINORNo disclosure of average net profit despite $466,858 average revenue creates opacity around true earnings potential
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 21.0% of sales (royalty + ad fund), before rent and labor.
Source: FDD 2026 · Items 11, 12, 17
FDD Items 12, 15, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 5 years |
|---|---|
| Renewal term | 5 years |
| Allowed renewalsℹ | 3 |
| Territory type | Protected territory |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Optional |
| Non-compete (years)ℹ | 2 years |
| Non-compete (miles)ℹ | 20 mi |
| Right of first refusalℹ | Yes |
| RoFR response window | 30 days |
| Transfer requires consent | Yes |
| Termination notice | 15 days |
| Termination groundsℹ | 35 |
| Curable defaultsℹ | 8 |
| Mandatory arbitration | No |
| Arbitration location | Huntington Beach, California (non-binding mediation) |
| Jury trial waiver | Yes |
| Governing law | California |
| Litigation count | 0 |
View Item 3 litigation summary
No litigation disclosed in Item 3.
Items 10, 11
Training & Operations
- Classroom training
- 77 hrs
- On-the-job training
- 0 hrs
- Training location
- Online/virtual training portal, or in-person in Huntington Beach, CA or another location designated by franchisor
- Ongoing training
- Required
- Time to open
- 4 mo
- From signing to launch
- Site selection
- franchisee
- Franchisor financing
- Offered
- Item 10
- POS system
- Computer System / Agency Management System
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Computer System / Agency Management System
Item 20 · call current owners
Franchisee Contacts
38 owners to call
Name · phone · city · state. Extracted from FDD Item 20
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Freeway Insurance franchise?
The total investment to open a Freeway Insurance franchise ranges from $35K – $84K, with an initial franchise fee of $25K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Freeway Insurance franchise owners earn?
According to Item 19 of the Freeway Insurance FDD, the average gross sales per unit is $372K. The median is $205K. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
Who owns Freeway Insurance?
Freeway Insurance is franchised by Confie Franchise Services, LLC. Its parent company is Confie Holding II Co.. Source: FDD Item 1, 2026 filing.
What is Item 19 in the Freeway Insurance FDD?
The FDD section where a franchisor may disclose financial performance of its outlets. Disclosure is optional and formats vary; figures are typically gross sales, which is revenue before expenses, not profit. FranchiseVerdict extracts these figures directly from the Freeway Insurance FDD and qualifies whose outlets they describe.
What is Freeway Insurance's franchise failure rate?
SBA 7(a) loan charge-off data is not available for Freeway Insurance (fewer than 10 loans on file). Charge-off rates are one way to gauge franchise risk, but not all franchise loans go through the SBA program. We recommend reviewing turnover and closure data in the FDD and speaking with current franchisees.
How many Freeway Insurance franchise locations are there?
As of their most recent FDD filing, Freeway Insurance has 696 total units in the United States, including 47 franchised units and 649 company-owned units. 20 new units were opened in the latest reporting year.
Is Freeway Insurance a good franchise to buy?
FranchiseVerdict rates Freeway Insurance as a A-grade franchise with a verdict score of 99 out of 100 (higher is better). The grade is a deterministic score built from six weighted dimensions — financial health, unit economics, unit growth, scale, legal, and transparency — then calibrated against SBA loan charge-off rates and FDD age. Transparency is one of the six, so a filing that discloses less scores lower on that dimension than one that discloses more. Our rating is based solely on publicly available FDD and government data; we recommend speaking with current franchisees before making any investment decision. This is not investment advice.
Data sourced from public FDD filings and SBA 7(a) FOIA records. Not financial advice.
For franchisors
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Data extracted from public FDD filings and SBA 7(a) loan disclosures (FOIA). This information is provided for research purposes only and does not constitute financial, legal, or investment advice. Verify all figures with the franchisor's current Franchise Disclosure Document before making any investment decision.