Benchmarks
F&I Profit Per Vehicle: What Dealers Earn
F&I is one of the strongest profit centers in a dealership. Here are the numbers, cited to their source, and how specialty equipment dealers can grow them.
Among publicly traded auto retail groups, F&I gross profit averaged "$2,534 in F&I gross profit per vehicle retailed" in Q3 2025, per the Q3 2025 Haig Report. At franchised new car dealerships, NADA Data reported F&I aftermarket income "represented 25.5% of the gross profit on all sales" in 2018. These are auto retail figures, and the same products drive F&I income for specialty equipment dealers.
The industry benchmarks
| Metric | Figure | Population and period | Source |
|---|---|---|---|
| F&I gross profit per vehicle retailed | $2,534 | Publicly traded auto retail groups, Q3 2025 | Q3 2025 Haig Report |
| F&I aftermarket income as share of total gross | 25.5% | Franchised new car dealerships, 2018 | NADA Data |
Sources: Q3 2025 Haig Report, Haig Partners, haigpartners.com; NADA Data reported by F&I and Showroom, fi-magazine.com. Figures cover franchised and publicly traded auto retail, not specialty equipment dealers, and are quoted for directional context.
Why this matters for specialty equipment dealers
Public benchmarks are measured in the auto world because that is where the reporting exists. Powersports, marine, RV, and equipment stores are not tracked the same way, but they sell the same core products: service contracts, GAP, tire and wheel, prepaid maintenance, and more. The principle transfers directly. A specialty equipment dealer that presents a consistent menu and stands behind it with fast claims can turn F&I into a leading profit center, just as auto retail has.
How to grow your F&I profit per vehicle
- Raise penetration. Present the same menu to every customer so more deals include protection.
- Offer products customers value. Match the menu to how your customers actually use their equipment.
- Keep claims fast. Trust drives repeat business and reduces cancellations.
- Train the team. Consistent, compliant presentation lifts penetration without raising risk.
- Keep more of it. Profit participation lets you retain the underwriting profit on what you sell.
Common questions
How much do dealers make on F&I per vehicle?
Among publicly traded auto retail groups, F&I gross profit averaged "$2,534 in F&I gross profit per vehicle retailed" in Q3 2025, per the Q3 2025 Haig Report. Specialty equipment stores are not measured in that dataset, but the same products drive the opportunity.
What share of dealership profit comes from F&I?
Per NADA Data for 2018, F&I aftermarket income "represented 25.5% of the gross profit on all sales" at franchised new car dealerships. F&I is one of the largest profit centers in the store.
How do I raise F&I profit per vehicle?
Raise product penetration with a consistent menu, offer products your customers actually value, keep claims fast so customers trust the products, and train your team to present in compliance. Profit participation then lets you keep more of what you earn.
Turn F&I into a profit center
WeCoverUSA helps specialty equipment dealers build a menu, train the team, and keep more of the profit through participation.
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