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FRANCHISE RESALES

Buy a L.A. Insurance Franchise

L.A. Insurance is an independent insurance agency franchise founded in 1992 and headquartered in Michigan. The brand covers personal and commercial insurance needs across auto, motorcycle, RV, renters, boat, commercial auto, and life insurance, all sold through physical storefront locations designed to serve walk-in and phone-based customers.

The franchise is built around the non-standard and affordable insurance segment, serving customers who may have difficulty obtaining coverage elsewhere due to driving history or other factors, as well as cost-conscious consumers seeking competitive rates with flexible payment options. Franchisees operate as licensed independent insurance agents with access to a network of pre-approved carriers, placing policies on their clients’ behalf rather than underwriting risk directly.

With more than 150 storefront locations across the US, the brand has its deepest footprint in Michigan, where it has operated for over three decades, with a growing presence in Florida, Texas, Nevada, Colorado, Georgia, and other states. L.A. Insurance positions itself as one of the larger independent insurance agency franchise networks in North America.

Latest Resales

  • There are currently no L.A. Insurance resales available
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Why buy a L.A. Insurance Franchise?

Auto insurance is mandatory in virtually every US state, supporting non-discretionary demand that holds through economic cycles. L.A. Insurance’s non-standard and affordable focus reaches a segment that larger national carriers often underserve, providing franchise locations with a customer base generating consistent renewal activity.

A structural advantage for franchisees is pre-established carrier access. Independent agents typically spend years building carrier relationships to get appointed; L.A. Insurance franchisees gain that access on entry, along with CRM tools and a recognized brand in markets where the name already carries local awareness. The brand reports serving more than 10 million policyholders across its network, which provides scale-based credibility in territories where the brand already operates.

L.A. Insurance Franchise Costs & Information

Based on 2024 data reported in the 2025 FDD

  • Brand Profile

    • Year Founded

      1979

    • Franchising Since

      2008

    • New Startup Cost

      $149,950 – $284,000

    • Avg. Resale Price

      Contact us for details

  • Franchise Fees

    • Initial franchise Fee

      $25,000

      for new territories

    • Transfer Fee

      $15,000

    • Royalty Fee

      14%

      of Gross Revenue

    • Marketing Fee

      7%

      of Gross Revenue

  • Unit Performance

    • Total Units *

      4

    • New Units Opened *

      0

    • Units Transferred *

      0

    • Avg. Unit revenue *

      Not Disclosed

    * Based on 2024 data reported in the 2025 FDD

L.A. Insurance – Additional  Information

  1. Training & Support

    L.A. Insurance provides full onboarding for incoming franchise owners covering insurance products, customer service, regulatory compliance, and CRM operation. Training is designed to bring new owners up to speed without prior insurance experience. Ongoing support includes marketing tools, advertising assistance, and compliance guidance. Franchisees also benefit from pre-approved carrier access, which is central to any L.A. Insurance location's operations. Buyers of an existing unit should confirm with the franchisor what initial transfer training and carrier appointment status are available when ownership changes.

  2. Ideal Owner

    L.A. Insurance suits candidates comfortable in a retail-facing, customer service environment with strong local community ties. The business is sales-led: owners and agents must actively engage walk-in and referred customers, understand their coverage needs, and present suitable options from multiple carriers. No prior insurance experience is required, though all owners must meet state licensing requirements. The model fits hands-on operators who enjoy client interaction, are comfortable managing a small team of licensed agents, and can build local referral networks.

  3. Recognition & Awards

    L.A. Insurance has built recognition over more than 30 years through its affordable pricing model and customer service reputation. The brand reports serving more than 10 million policyholders across its network, with strong community visibility in Michigan and growing presence in newer markets. The consumer-facing brand competes on accessible pricing, multi-language service in English and Spanish, and consistent local agent availability. For resale buyers, brand-level recognition should be weighed alongside the reputation of the specific location, including local reviews, referral sources, and community visibility.

  4. Industry / Market

    Auto insurance is legally required in nearly every US state, supporting consistent demand across economic cycles. The non-standard segment, covering higher-risk drivers and customers underserved by standard carriers, has shown sustained momentum through 2025 per AM Best market analysis. Demand is partly driven by affordability pressures pushing consumers toward independent agencies competing on price. The franchise operates primarily in Michigan and several Sun Belt states, markets with high volumes of price-sensitive and non-standard drivers that support steady customer traffic for affordable insurance storefronts.

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