FDD-based analysis. Item-level data. No franchisor input.
Freeway Insurance franchises a Freeway Insurance Brokerage that offers, sells, and services personal lines insurance products, insurance brokering services, and ancillary products such as roadside assistance, identity theft protection, and car registration to clients within a designated Protected Area. Each Franchised Brokerage operates at an Approved Location under the direct supervision of a licensed Brokerage Principal Operator, and sells policies either directly through Approved Carriers, where the franchise is the Broker of Record, or through Contracted Carriers, where Freeway Insurance's affiliate FISA serves as Broker of Record and pays the franchise a percentage of commissions and fees. Freeway Insurance franchises serve the general public and compete with other independent and captive insurance agencies and brokerages, including other Freeway Brokerages.
Source: Entrepreneur 2026 ranking/profile data and Franchise Disclosure Document, rewritten by Zorzee
Every value here comes straight from the FDD; anything not yet source-verified stays blank rather than estimated. The Pro figures and full interpretation unlock with a Pro membership.
Every data point Zorzee tracks for this brand, in FDD Item order. Missing source data stays blank; Pro-only interpretation remains locked.
| Item | Data Point | Value | Source |
|---|---|---|---|
| Item 3 | Litigation Actions (total) | 0 actions disclosed | FDD Item 3 |
| Item 5 | Initial Franchise Fee | The Initial Franchise Fee is $25,000 (Item 5, p.14). | FDD Item 5 |
| Item 5 | Development Fee | Area Development / multi-unit: reduced fee of $25,000 for the first Franchised Brokerage plus $15,000 for each additional (total $55,000 for 3 brokerages; $35,000 for veterans, $30,000 for affiliate employees). At signing pay $25,000 + 50% of the reduced fees for all brokerages granted (total $40,000 due for 3); the remaining 50% of each reduced fee is due when the then-current Franchise Agreement for each subsequent brokerage is signed. | FDD Item 5 |
| Item 6 | Royalty Fee | 14% of Total Revenue. 'Total Revenue' is defined as the sum of Freeway Policy Commissions, Freeway Policy Fees, and Freeway Ancillary Product Payments (i.e., the brokerage's. | FDD Item 6 |
| Item 6 | National Media Fund | Pro | FDD Item 6 |
| Item 6 | Corporate Ad & Development Fund | Pro | FDD Item 6 |
| Item 6 | Total Ongoing Fee Burden | Pro | Calculated (Item 6) |
| Item 7 | Total Investment (low) | $34,950 | FDD Item 7 |
| Item 7 | Total Investment (high) | $84,000 | FDD Item 7 |
| Item 8 | Required Purchases (food/supplies) | Pro | FDD Item 8 |
| Item 11 | Franchisor Assistance | Pro | FDD Item 11 |
| Item 12 | Exclusive Territory | Pro | FDD Item 12 |
| Item 12 | Territory Size | Pro | FDD Item 12 |
| Item 15 | Operating Participation | Pro | FDD Item 15 |
| Item 17 | Initial Term Length | Pro | FDD Item 17(a) |
| Item 17 | Renewal Terms | Pro | FDD Item 17(b)-(c) |
| Item 17 | Required Remodel at Renewal | Pro | FDD Item 17(c) |
| Item 17 | Termination Triggers | Pro | FDD Item 17(f)-(h) |
| Item 17 | Transfer Fee | Pro | FDD Item 17(m), Item 6 |
| Item 17 | ROFR Provisions | Pro | FDD Item 17(n) |
| Item 17 | Post-Termination Non-Compete | Pro | FDD Item 17(r) |
| Item 19 | Revenue Metric Disclosed | Yes: Average Unit Metric $371,958 / Median Unit Metric $205,114 | FDD Item 19 |
| Item 20 | Total Franchised Units (2025) | 47 | FDD Item 20 |
| Item 20 | Company-Owned Units (2025) | 649 (company/affiliate-owned Freeway Brokerages) | FDD Item 20 |
| Item 20 | Total System Net Unit Growth (YoY) | +90 (total system, 2025: 606 to 696) | FDD Item 20 |
| Item 20 | Terminations | Pro | FDD Item 20 |
| Item 20 | Agreements Signed, Not Yet Open | Pro | FDD Item 20 |
| Item 21 | Audited Financials | Pro | FDD Item 21 |
Each signal turns one part of the filing into a read a buyer can act on. Strength means the disclosed data is favorable. In Line means it is typical for the category. Deal-Specific means the term is populated but you still have to model it against your own deal. Concern means the disclosed data is a real risk. The read is free. The reasoning behind it is the Pro read.
Item 19 earnings data is disclosed for Freeway Insurance. The full disclosure is free below; Zorzee's read of what it means stays in Pro.
Freeway Insurance trajectory is shown only where source-backed. Missing Item 20 fields stay blank inside the locked layout instead of removing the section.
Source: FDD Item 20 where present. Total system units, franchised plus company-owned. Not financial advice.
0 actions disclosed in source-reviewed FDD Item 3.
Zorzee editorial. Independent analysis. No franchisor review or approval. Not financial advice.
The filing tells you what Freeway Insurance costs to open. Pro adds the read on whether the numbers work for you, in your market, and whether this brand is a business or a job you bought.
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A Freeway Insurance franchise costs $34,950 to $84,000 to open, disclosed in FDD Item 7 of the 2026 filing, covering the franchise fee, buildout, equipment, and working capital to breakeven. No commissions, no franchisor revenue, independent analysis only.
Freeway Insurance charges a 14% royalty plus a 10% brand and ad fund, a 21% total ongoing fee burden, disclosed in FDD Item 6.
Item 19 for Freeway Insurance discloses an average unit volume of $371,958 (median $205,114) in the 2026 FDD. The figure is gross sales, not profit. Zorzee's read of what it excludes is in the Pro dossier.
Freeway Insurance's average unit volume is $371,958 (median $205,114) in the 2026 FDD. The figure is gross sales, not profit. Zorzee's read of what it excludes is in the Pro dossier.
Freeway Insurance's FDD Item 3 discloses no legal actions in the 2026 filing.
Zorzee does not rate franchises good or bad; it reports what the filing discloses so you can judge fit. Freeway Insurance shows Concern on Fee Structure, Unit Economics, and Term & Exit Terms, In Line on Litigation History, Deal-Specific reads on Operator Validation. Whether it fits depends on your capital, your market, and your operating style. Independent analysis, no franchisor revenue.