About Estrella Insurance or 800-CARINSURANCE Franchise
Estrella Insurance, also operating as 800 CARINSURANCE, is an insurance agency franchise offered by Estrella Franchising Corp.
With franchise fees ranging from $7,500 to $25,000, the brand provides an accessible entry point for entrepreneurs looking to open an insurance agency serving their local community.
The franchise model focuses on offering auto insurance, home insurance, commercial coverage, and other insurance products to consumers and businesses.
Estrella Insurance or 800-CARINSURANCE Franchise Cost & Fees
Minimum Investment
$90K
Average Investment
$107K
Maximum Investment
$124K
| Fee Type | Amount | Notes |
|---|---|---|
| Initial Franchise Fee | $7,500 to $25,000 | One-time payment upon signing |
| Royalty Fee | 10.0% of gross sales | Ongoing; paid monthly |
| Marketing/Ad Fund | 7% of Net Commissions | National brand fund |
| Total Investment Range | $89,900 – $124,000 | Includes build-out, inventory, working capital |
The investment range of $90K–$124K reflects variability in build-out costs, store size, lease terms, and market. The combined royalty (10.0%) and marketing fee (7% of Net Commissions) are ongoing costs paid as a percentage of gross sales.
Investment Breakdown (Item 7)
| Item | Low | High |
|---|---|---|
| Initial franchise fee 1 | $25,000 | $25,000 |
| Construction Leasehold, Improvements, Remodeling and Decorating Costs 3 | $4,000 | $12,000 |
| Office Supplies | $500 | $1,000 |
| Equipment, Furnishings, Fixtures and Other Fixed Assets 4 | $4,000 | $6,000 |
| Computer 5 | $3,000 | $6,000 |
| Signage 6 | $2,200 | $4,500 |
| Insurance 7 | $3,000 | $5,000 |
| Training Expenses 8 | $500 | $2,500 |
| Security Deposits, Utility Deposits, Business Licenses and Other Prepaid Expenses 9 | $1,500 | $4,000 |
| New Agency Package 10 | $250 | $500 |
| Fictitious Name Registration and/or Incorporation and Legal Review 11 | $500 | $1,000 |
| Miscellaneous 12 | $500 | $1,500 |
| Additional Funds (3 months) 13 | $5,000 | $15,000 |
| Total Estimated Initial Investment | $49,950 | $84,000 |
Additional Fees (Item 6)
| Fee Type | Amount |
|---|---|
| Transfer Fee | $7,500 |
| Renewal Fee | $5,000 |
| Technology Fee | $3,000 |
| Audit Fee | If we audit your books and records and find that your records are misstated by m |
| Late Payment | 1.5% per month |
| Liquidated Damages | $1,000 |
| Failure to Open | $2,000 |
| Construction Leasehold, Improvements, Remodeling and Decorating Costs 3 | $4,000 |
| Office Supplies | $500 |
| Equipment, Furnishings, Fixtures and Other Fixed Assets 4 | $4,000 |
| Signage 6 | $2,200 |
| Insurance 7 | $3,000 |
| Training Expenses 8 | $500 |
| Security Deposits, Utility Deposits, Business Licenses and Other Prepaid Expense | $1,500 |
| New Agency Package 10 | $250 |
| Fictitious Name Registration and/or Incorporation and Legal Review 11 | $500 |
| Miscellaneous 12 | $500 |
| Additional Funds (3 months) 13 | $5,000 |
| Total Estimated Initial Investment | $49,950 |
Territory Rights (Item 12)
| Detail | Information |
|---|---|
| Territory Type | exclusive |
Renewal, Termination & Transfer (Item 17)
| Detail | Information |
|---|---|
| Renewal Term | If you are not in default, you can extend for 2 periods of 10 years each. |
| Termination for Cause | Sections 11.1 and 11.2 |
Estrella Insurance or 800-CARINSURANCE Franchise Earnings — Item 19
Estrella Insurance or 800-CARINSURANCE does not make an Item 19 financial performance representation in their FDD. This means they do not disclose revenue, profit, or earnings data for franchised locations. Before investing, ask the franchisor directly for franchisee contact information so you can speak with existing owners about their actual financial performance.
Estrella Insurance or 800-CARINSURANCE does not include an Item 19 financial performance representation in their FDD. Contact information for current and former franchisees is listed in Item 20 of the FDD.
Estrella Insurance or 800-CARINSURANCE Litigation & Risk Flags
Clean Litigation RecordEstrella Insurance or 800-CARINSURANCE has no pending litigation actions listed in their FDD. There is also no bankruptcy history disclosed.
Litigation and bankruptcy data is sourced from Items 3 and 4 of the FDD. Always verify current status directly from the most recent FDD.
Estrella Insurance or 800-CARINSURANCE System Growth
Total Units
0
Franchised
0
Company-Owned
0
Estrella Insurance or 800-CARINSURANCE currently operates 0 franchised locations and 0 company-owned units. Unit count data is sourced from Item 20 of the FDD.
Unit History (Item 20)
| Year | Opened | Closed | Total |
|---|---|---|---|
| 2019 | 149 | ||
| 2020 | 162 | ||
| 2021 | 171 |
Estrella Insurance or 800-CARINSURANCE Franchise — FAQ
The total investment to open a Estrella Insurance or 800-CARINSURANCE franchise ranges from $89,900 to $124,000, per their Franchise Disclosure Document. This includes the initial franchise fee of $7,500 to $25,000. The investment covers build-out, inventory, equipment, signage, working capital, and other startup costs.
Estrella Insurance or 800-CARINSURANCE charges a royalty fee of 10.0% of gross sales, plus a 7% of Net
Commissions contribution to the marketing/advertising fund. These fees are paid on an ongoing basis.
You can download the Estrella Insurance or 800-CARINSURANCE Franchise Disclosure Document free on this page. The FDD is a public document filed with state franchise registries. Always also request the current FDD directly from Estrella Insurance or 800-CARINSURANCE to ensure you have the most up-to-date version.
Estrella Insurance or 800-CARINSURANCE does not provide an Item 19 financial performance representation in their FDD, which means they do not disclose franchisee revenue or earnings data. Prospective investors should contact existing franchisees directly (listed in Item 20 of the FDD) to gather real-world financial performance information.
Estrella Insurance or 800-CARINSURANCE has been offering franchise opportunities. The FDD shows an investment range of $89,900-$124,000, a 10.0% royalty, and no Item 19 earnings disclosure. There is no pending litigation. Review the full FDD and contact current franchisees listed in Item 20 before making any investment decision.
The franchise fee is $7,500 to $25,000 and the total investment ranges from $89,900 to $124,000 depending on location size and market. Contact the franchisor directly for current net worth and liquid capital requirements, territory availability, and application details.
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Data Source & Disclaimer: This website is for informational purposes only. It is not an offer to sell or buy a franchise. This profile is based on publicly available FDD data sourced from state franchise registry filings. All information is for research purposes only and does not constitute legal, financial, or investment advice. Data may be outdated or contain errors. Always obtain the current FDD directly from Estrella Insurance or 800-CARINSURANCE and consult a qualified franchise attorney before making any investment decision. FranchiseOverview.com is operated by Franchising Compliance, LLC and is not affiliated with Estrella Insurance or 800-CARINSURANCE or any of its subsidiaries. To report an inaccuracy: info@franchiseoverview.com