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FREEWAY INSURANCE®
Confie Franchise Services, LLC franchises Freeway Insurance® brokerages that offer, sell, service, and renew personal lines insurance policies and ancillary products like roadside assistance, identity theft protection, and car registration to individual clients through approved or contracted carriers. Franchisees operate under a proprietary system providing training, marketing, technology, and back-office support via a shared services center, earning commissions on generated client accounts. The target market is the general public seeking insurance brokerage services in competitive local markets.
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Franchise Costs
14% royalty + 7% brand fund + $650/mo technology access fee (up to $1,000)
Financial Performance
Item 19 Financial Performance
Data Based On: 18 franchised Freeway Brokerages open and operating during the entire 2024 calendar year
* All values extracted directly from Tables C-1, C-2, and C-3 for Franchised Freeway Brokerages. Average Gross Revenue is the 'Average Total Revenue' from Table C-1. Median Gross Revenue is the 'Median Total Revenue' from Table C-1. Revenue Top Quartile is the 'Average Total Revenue' from Table C-2 (Top 25% segment, 5 locations). Revenue Bottom Quartile is the 'Average Total Revenue' from Table C-3 (Bottom 25% segment, 5 locations). No net income, net profit, or EBITDA figures or sufficient expense data were provided to make profit estimations.
Extracted Item 19 Section
Avg. Revenue: $214,099
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Unlock financial performance dataFREEWAY INSURANCE® Franchise Analysis
Picture jumping into insurance sales without needing a finance degree or massive capital—Freeway Insurance makes it seem possible with its turnkey brokerage model. Backed by Confie, a giant with over 570 corporate spots, this newbie franchisor (since 2025) shares training, tech, and back-office muscle. Item 19 drops revenue stats on existing units, hinting at real earning potential, but with sky-high fees and rapid expansion, does the math add up for your wallet?
Item 7 lays out the initial investment at $34,950-$84,000, covering $25,000 franchise fee, leasehold improvements, tech setup, and working capital—remarkably low for a service play generating commissions on auto policies and add-ons like roadside aid. Ongoing hits include 14% royalty on gross commissions, 7% brand fund, and $650/month tech fee (up to $1,000), which could eat 20-25% of revenue based on benchmarks. Item 19 shines here: average gross revenue $214,099, median $133,896 across 33 franchised units, with just 1 SBA loan averaging $103,500 on record—suggesting operators fund lean but scale via commissions without heavy debt.
Growth screams opportunity: 19 franchised locations in 2023 to 33 in 2024 (+74%), projecting 30 new units soon, fueled by Confie's network in competitive local markets. No major red flags in terminations or transfers per FDD, but the high royalty stack demands $300K+ revenue to comfortably EBITDA 20% after fees—median units might scrape by at 10-15% margins if costs stay tight. For hands-on hustlers eyeing business services, this packs punch under $100K in; just verify local insurance demand trumps the fee burden.
Analysis based on the 2025 Franchise Disclosure Document. All figures should be independently verified before making investment decisions.
How FREEWAY INSURANCE® Compares
Key Insights
- Lower investment than 84% of Business Services franchises
| Franchise | Investment | Fee | Royalty | Locations |
|---|---|---|---|---|
FREEWAY INSURANCE® Current | $35K – $84K | $25K | 14.0% | 33 |
| Bimbo Foods Bakeries Distribution, LLC | $14K – $607K | N/A | N/A | 6,454 |
| THE UPS STORE (TRADITIONAL) | $216K – $609K | $30K | 5.0% | 4,500 |
| RE/MAX | $37K – $337K | $35K | 1.0% | 2,994 |
| JACKSON HEWITT TAX SERVICE | $71K – $105K | $25K | 15.0% | 2,744 |
| CRUISE PLANNERS | $2K – $21K | $11K | 3.0% | 2,655 |
Business Services Average 198 franchises | $121K – $289K | $47K | 10.2% | – |
* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 198 Business Services franchises by location count.
Locations & Growth
Outlet Growth Over Time
Total outlets at end of each year
Geographic Distribution (2024)
Outlets by state across the United States
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Unlock location growth dataSBA Loan History
Historical SBA 7(a) loan data for FREEWAY INSURANCE® franchisees (2025 – 2025)
Loans by Year
SBA 7(a) loan activity over time
* Data sourced from SBA 7(a) FOIA loan records. Default rate calculated from charged-off loans.
1 SBA loans on record
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Unlock SBA loan historyDue Diligence
Litigation (Item 3)
Bankruptcy (Item 4)
System Health (Item 20)
Franchise system changes reported in the most recent fiscal year
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Unlock due diligence reportsFrequently Asked Questions
The total initial investment to open a FREEWAY INSURANCE® franchise ranges from $34,950 to $84,000. This includes a franchise fee of $25,000. Ongoing royalty fees are 14.0% of gross sales.
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