Franchise Failure Rates

SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026

Allstate Insurance Franchise Failure Rate: 4.0% SBA Loan Defaults (2010–2019 Federal Data)

4.0%
charge-off rate on 173 SBA 7(a) loans to Allstate Insurance franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Allstate Insurance against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Allstate Insurance 4.0%; Insurance Agencies and Brokerages 5.1%; All franchises 10.2%Allstate Insurance 4.0%; Insurance Agencies and Brokerages 5.1%; All franchises 10.2%0%2%4%6%8%10%Allstate Insurance4.0%Insurance Agencies andBrokerages5.1%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Allstate Insurance 4.0%; Insurance Agencies and Brokerages 5.1%; All franchises 10.2%Allstate Insurance 4.0%; Insurance Agencies and Brokerages 5.1%; All franchises 10.2%0%2%4%6%8%10%Allstate Insurance4.0%Insurance Agencies and Brokerages5.1%All franchises10.2%

Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.

About 1 in 25 Allstate Insurance SBA borrowers failed to repay — below the Insurance Agencies and Brokerages average of 5.1%.

Between 2010 and 2019, 173 Allstate Insurance franchisees financed with SBA 7(a) loans. 7 defaulted — a 4.0% charge-off rate, 0.8x the Insurance Agencies and Brokerages average of 5.1%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

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: 173 loans approved between fiscal 2010 and 2019, of which 7 were charged off. Loan statuses are as of June 30, 2026, and the cohort has matured, so these are settled outcomes rather than projections.

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.

Allstate Insurance versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureAllstate InsuranceInsurance Agencies and BrokeragesAll franchisesAll SBA borrowers
Default (charge-off) rate4.0%5.1%10.2%8.0%
Loans in sample173———
Defaults7———
Average loan size$366,652———
Charge-off rate by approval year — share of each fiscal year's Allstate Insurance SBA 7(a) loans that later defaulted (FY2010–FY2019); years with fewer than 10 loans are outlined, not filled
Charge-off rate by approval year: FY2010 0% of 1 loans; FY2011 8% of 12 loans; FY2012 0% of 21 loans; FY2013 0% of 19 loans; FY2014 0% of 32 loans; FY2015 4% of 45 loans; FY2016 6% of 32 loans; FY2017 14% of 7 loans; FY2018 25% of 4 loansCharge-off rate by approval year: FY2010 0% of 1 loans; FY2011 8% of 12 loans; FY2012 0% of 21 loans; FY2013 0% of 19 loans; FY2014 0% of 32 loans; FY2015 4% of 45 loans; FY2016 6% of 32 loans; FY2017 14% of 7 loans; FY2018 25% of 4 loans0%5%10%0%2010n=18%2011n=120%2012n=210%2013n=190%2014n=324%2015n=456%2016n=3214%2017n=725%2018n=4
Charge-off rate by approval year: FY2010 0% of 1 loans; FY2011 8% of 12 loans; FY2012 0% of 21 loans; FY2013 0% of 19 loans; FY2014 0% of 32 loans; FY2015 4% of 45 loans; FY2016 6% of 32 loans; FY2017 14% of 7 loans; FY2018 25% of 4 loansCharge-off rate by approval year: FY2010 0% of 1 loans; FY2011 8% of 12 loans; FY2012 0% of 21 loans; FY2013 0% of 19 loans; FY2014 0% of 32 loans; FY2015 4% of 45 loans; FY2016 6% of 32 loans; FY2017 14% of 7 loans; FY2018 25% of 4 loans0%5%10%0%’10n=18%’11n=120%’12n=210%’13n=190%’14n=324%’15n=456%’16n=3214%’17n=725%’18n=4

Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY2010100.0%
FY20111218.3%
FY20122100.0%
FY20131900.0%
FY20143200.0%
FY20154524.4%
FY20163226.2%
FY20177114.3%
FY20184125.0%

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 173 resolved SBA 7(a) loans approved between fiscal 2010 and 2019 — a matured cohort, so the rate is a settled outcome, not a projection. With 173 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.

Frequently asked

What is Allstate Insurance's franchise failure rate on SBA loans?
Between 2010 and 2019, 173 Allstate Insurance franchisees financed with SBA 7(a) loans. 7 defaulted — a 4.0% charge-off rate, 0.8x the Insurance Agencies and Brokerages average of 5.1%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Allstate Insurance a safe franchise investment?
Between 2010–2019, Allstate Insurance franchisees defaulted on SBA loans at 4.0% versus a 5.1% industry average. This data is one input for due diligence; it is not investment advice.

Cite this page

Franchise Default Rates (2026). Allstate Insurance franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 4.0% (7 of 173 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)