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FRANCHISE RESALES

Buy an Estrella insurance Franchise

Estrella Insurance is a property and casualty insurance agency franchise founded in 1980 by Nicolas Estrella in Miami and franchising since 2008. Each location operates as a retail agency representing more than 100 carriers, writing auto, home, renters, commercial, business, and life and health coverage for local consumers and small businesses.

The model is built around neighborhood storefront agencies serving diverse communities, with a strong emphasis on bilingual English and Spanish service and marketing aimed at Hispanic and multicultural markets. Revenue comes from policy commissions and renewals, giving the business a recurring-income character as clients renew coverage year after year.

The network has grown to more than 230 locations across nine states, including Florida, Texas, Arizona, Georgia, and the Carolinas, with around 214 franchised offices reported at the end of 2024. Estrella positions itself as a low-cost, scalable opportunity open to first-time owners without prior insurance experience, backed by training and access to its carrier network.

Latest Resales

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Why buy an Estrella insurance Franchise?

Buying an Estrella Insurance franchise gives an owner an established bilingual brand in a category households and businesses must buy into regardless of the economic cycle. Access to more than 100 carriers lets each agency quote competitively across auto, home, commercial, and life lines, while renewal commissions build a recurring revenue base that compounds as the book of business matures.

Franchisees benefit from recognized brand marketing across TV, radio, outdoor, and digital channels in both English and Spanish, the buying power of the wider network, and multi-unit and area-development paths for owners who want to scale. Estrella’s low entry cost relative to many storefront franchises has earned repeated low-cost-franchise recognition.

Estrella insurance Franchise Costs & Information

  • Minimum Qualifications

    • Initial Franchise Fee

      $10,000 - $25,000

    • Initial Investment

      $12,250 - $84,000

    • Net Worth Requirement

      $50,000

    • Cash Requirement

      $50,000

  • Royalty

    • Royalty Fee

      10%-14%

      of commissions

  • Training & Support

    • 160 hours on the job training

    • 80 hours classroom training

    • Ongoing support

    • Marketing support

Estrella insurance – Additional  Information

  1. Training & Support

    Estrella provides a structured six-week onboarding covering licensing, carrier appointments, sales, compliance, and its quoting and agency-management technology, with 80 hours of classroom and 160 hours of on-the-job training. Ongoing support includes field visits, operational coaching, continuing education, bilingual marketing assistance, an operations manual, and a customized agency platform with guidance from experienced franchisees. Resale buyers should confirm what transfer onboarding and platform access carry over to a new owner, plus the licensing status of existing staff.

  2. Ideal Owner

    Estrella suits sales-minded, community-oriented operators who enjoy building local relationships and leading a small team. No prior insurance background is required, since training covers licensing and carrier systems, but candidates should be comfortable with outside sales, customer service, and day-to-day office management. Bilingual ability, particularly Spanish, is a meaningful advantage given the brand's focus on Hispanic and multicultural markets. The model rewards hands-on owner-operators who can win new policies while retaining renewals.

  3. Recognition & Awards

    Estrella Insurance ranks #1 in the Insurance category of Entrepreneur's Franchise 500 (2026) and has appeared in the Franchise 500 annually for over a decade. It also earns Entrepreneur recognition as a Top Home-Based & Mobile Franchise (#7, 2026) and Top Franchise for Less Than $50,000, plus Franchise Business Review honors including Top Low-Cost Franchises and Top Franchises for Women. The system reported reaching $500M in annual premiums in 2021. For resale buyers, this recognition should be weighed alongside the individual agency's local reputation and reviews.

  4. Industry / Market

    The US property and casualty insurance market is large and resilient, with direct premiums estimated at roughly $1.1 trillion in 2025 and forecast to keep growing in the mid-single digits. Personal lines such as auto and home are effectively non-discretionary, since states and lenders mandate coverage, supporting steady demand across economic cycles. Estrella's bilingual model also targets the fast-growing US Hispanic population, an expanding and often underserved insurance segment. For resale buyers, renewal-driven demand makes client retention a central value driver.

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