FDD ITEM 20 · FISCAL 2023–2025
FREEWAY INSURANCE® Item 20: outlets, closures & growth
In its latest FDD Item 20 (fiscal 2025), FREEWAY INSURANCE® reported 47 franchised outlets at year end. 3 of 33 franchised outlets open at the start of the year left the system — an annualized exit rate of 9.1%— while 20 new outlets opened. Systemwide units moved +23.8% over 2023–2025.
| Status (FTC) | 2023 | 2024 | 2025 |
|---|---|---|---|
| Outlets at start | 469 | 562 | 606 |
| Opened | 18 | 14 | 20 |
| Transfers | 0 | 0 | 0 |
| Terminations | 1 | 0 | 3 |
| Non-renewals | 0 | 0 | 0 |
| Reacquired by franchisor | 0 | 0 | 3 |
| Ceased — other reasons | 0 | 0 | 0 |
| Outlets at end | 562 | 606 | 696 |
| Net change | +93 | +44 | +90 |
3 terminations + 0 non-renewals + 0 ceased (other) = 3 exits ÷ 33 at start = 9.1%
These are the three FTC Item 20 statuses in which a franchisee involuntarily or terminally leaves the system. Transfers (0) are resales, not exits; reacquisitions by the franchisor (3) are tracked separately. There is no official “failure rate” — this annualized exit rate is the disclosed, measurable floor.
| State | Franchised | Company-owned |
|---|---|---|
| CA | 24 | 153 |
| TX | 9 | 174 |
| FL | 5 | 39 |
| GA | 3 | 2 |
| IL | 2 | 44 |
| CO | 1 | 3 |
| CT | 1 | — |
| NV | 1 | 19 |
| TN | 1 | 9 |
| AL | 0 | 34 |
| AZ | 0 | 37 |
| ID | 0 | 5 |
| IN | 0 | 13 |
| KS | 0 | 2 |
| LA | 0 | 48 |
| MA | 0 | 1 |
| MO | 0 | 7 |
| NC | 0 | 5 |
| NJ | 0 | 5 |
| NM | 0 | 4 |
| NY | 0 | 21 |
| OR | 0 | 4 |
| SC | 0 | 12 |
| WA | 0 | 5 |
| WI | 0 | 3 |
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