Allstate Insurance Franchise Failure Rate
SBA 7(a) loan default data, FY2010–FY2019 · Updated 2026
Allstate Insurance franchisees defaulted on 3.9% of SBA 7(a) loans between FY2010 and FY2019 — 8 of 203 loans were charged off — according to U.S. Small Business Administration data. That is lower than the Insurance Agencies and Brokerages industry average of 5.1%.
- 3.9%SBA default rate8 of 203 loans
- 203loans resolvedapproved FY2010–FY2019
- 5.1%Insurance Agencies and Brokerages averageall SBA loans in the industry
- 1st lowestindustry rankof 2 Insurance Agencies and Brokerages brands
| SBA default rate | 3.9% |
|---|---|
| Loans approved | 203 |
| Loans charged off | 8 |
| Date range | FY2010–FY2019 |
| Industry | Insurance Agencies and Brokerages |
| Industry average | 5.1% |
| Data source | U.S. SBA 7(a) FOIA loan data |
Most SBA default figures published online use loans approved since 2020 — loans that have had six years or less to fail — so those rates are floors, not outcomes. Every rate on this site is computed from the matured FY2010–FY2019 cohort: loans that have been paid in full or charged off, so the result is settled. Loans approved since 2020 are shown as counts so early charge-offs are visible without being mistaken for a rate.
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
About 1 in 26 Allstate Insurance SBA borrowers failed to repay — below the Insurance Agencies and Brokerages average of 5.1%.
What is the Allstate Insurance franchise failure rate on SBA loans?
Allstate Insurance is a Insurance Agencies and Brokerages franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Allstate Insurance franchisees: 203 loans approved between fiscal 2010 and 2019, of which 8 were charged off. Loan statuses are as of June 30, 2026, and the cohort has matured, so these are settled outcomes rather than projections.
- SBA 7(a) loans approved FY2010–FY2019203
- Charged off8
- Charge-off rate3.9%
- Insurance Agencies and Brokerages franchise benchmark5.1%
- Brand vs industry0.8x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$361,021
How does Allstate Insurance compare with other Insurance Agencies and Brokerages franchises?
The table sets Allstate Insurance's charge-off rate beside its Insurance Agencies and Brokerages peers and the two economy-wide benchmarks. All figures use the same cohort — SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026 — and the same denominator of resolved loans, so they are directly comparable.
| Measure | Allstate Insurance | Insurance Agencies and Brokerages | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 3.9% | 5.1% | 10.2% | 8.0% |
| Loans in sample | 203 | — | — | — |
| Defaults | 8 | — | — | — |
| Average loan size | $361,021 | — | — | — |
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2010 | 1 | 0 | 0.0% |
| FY2011 | 12 | 1 | 8.3% |
| FY2012 | 21 | 0 | 0.0% |
| FY2013 | 21 | 0 | 0.0% |
| FY2014 | 41 | 0 | 0.0% |
| FY2015 | 58 | 3 | 5.2% |
| FY2016 | 34 | 2 | 5.9% |
| FY2017 | 10 | 1 | 10.0% |
| FY2018 | 5 | 1 | 20.0% |
How to read this
A charge-off means a franchisee borrowed, operated, and failed severely enough that the SBA wrote off the government-guaranteed loan. Unlike franchisor marketing or Item 19 disclosures, this is an observed outcome recorded by a federal agency. One caveat cuts the other way: SBA borrowers are typically less capitalized than all-cash buyers, so these rates can overstate risk for well-funded operators.
How reliable is this number?
Allstate Insurance's figure rests on 203 resolved SBA 7(a) loans approved between fiscal 2010 and 2019. That cohort has matured, so the rate is a settled outcome, not a projection. With 203 resolved loans, the sample is large enough that a single default barely moves the figure. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every Allstate Insurance figure is recomputed from the public SBA FOIA file on each rebuild.
Is Allstate Insurance in financial trouble? What the SBA data shows
Allstate Insurance's SBA 7(a) default rate was 3.9% for loans approved FY2010–FY2019 (8 of 203 loans charged off) — the lowest of 2 Insurance Agencies and Brokerages brands tracked here. A default rate close to the Insurance Agencies and Brokerages average of 5.1% is, on its own, neither a warning sign nor a reassurance.
Frequently asked
- What is Allstate Insurance's franchise failure rate?
- Allstate Insurance franchisees defaulted on 3.9% of SBA 7(a) loans between FY2010 and FY2019 — 8 of 203 loans were charged off — according to U.S. Small Business Administration data. That is lower than the Insurance Agencies and Brokerages industry average of 5.1%.
- How does Allstate Insurance compare to other Insurance Agencies and Brokerages franchises?
- Allstate Insurance's 3.9% SBA default rate is lower than the Insurance Agencies and Brokerages industry average of 5.1%. See every Insurance Agencies and Brokerages franchise ranked on the Insurance Agencies and Brokerages industry page. Insurance Agencies and Brokerages franchises →
- What does 'SBA default rate' mean?
- An SBA default rate is the share of SBA 7(a) loans, approved FY2010–FY2019 and since resolved (paid in full or charged off), that were charged off — written off after the borrower failed to repay. It is not a measure of unit closures.
Source
Source: U.S. Small Business Administration, 7(a) loan program charge-off data, FY2010–FY2019. Franchise data is matched on the SBA's franchise code / brand name. "Failure rate" here means the share of approved loans (resolved: paid in full or charged off) that were charged off; it is not a measure of unit closures. Last updated September 30, 2026.
Every brand in one table, with percentiles and breakdowns by year, industry and loan size: franchise SBA default rates, all 415 brands.
Cite this page
Franchise Default Rates (2026). Allstate Insurance franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 3.9% (8 of 203 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/allstate-insurance/ · Data & methodology · Download the dataset (CSV)