Fred Loya

Editor's Rating

Fred Loya attracts customers with exceptionally cheap rates — sometimes less than half of what competitors charge. You'll pay for those cheap rates in other ways, however. The company receives almost five times the complaints that other insurers of its size do, and it paid fines to the Texas Department of Insurance for its misleading business practices in 2012.

Good for
  • Affordable rates
  • Drivers with an accident on their record
Bad for
  • Customer service
  • Strong digital experience
  • Unique coverages

Our thoughts on Fred Loya

Fred Loya has some of the cheapest rates around, but those cheap rates likely won't make up for a poor experience.

Fred Loya has over 400% more complaints than is expected for an insurer of its size, and the company has been fined for failing to act in customers' best interest.

Additionally, the company does not offer a particularly strong digital experience.

There is no Fred Loya mobile app, and the company's website is dated and hard to navigate.

You can make a car insurance payment and view your Fred Loya policy details online, but you can't get a quote or file a claim; instead, you must call the claims department or customer service number.

Where is Fred Loya Insurance available?

Fred Loya has 726 insurance office locations, most of them clustered in major cities of the states where the company operates, such as Los Angeles, Las Vegas and San Antonio. To get a quote, you'll need to go to your local Fred Loya Insurance office or call the customer service number.

Fred Loya Insurance is available in 11 states:

How much is Fred Loya vs. other insurance companies?

If Fred Loya stands out for anything, it's cheap insurance rates. Full coverage car insurance from Fred Loya costs 56% less than average for drivers with a clean history. Drivers with one accident on their record pay 63% less than average for full coverage from Fred Loya.

Cost of Fred Loya Insurance vs. competitors

Find Cheap Auto Insurance Quotes

Currently insured?
Clean record
One accident
Increase after accident
Fred Loya$979$1,21524%
State Farm$1,313$1,53217%

Another benefit of Fred Loya is that insurance prices do not go up too much after an accident. Our analysis found that Loya only increases rates by 24% — far less than the 55% increase imposed by Geico and the 58% increase imposed by Allstate. Only State Farm, the second-cheapest insurer, raises rates less.

Before you call Fred Loya for a free car insurance quote, however, remember that you'll have to put up with very poor customer service to secure these cheap rates. If possible, we recommend comparing car insurance from other companies.

Fred Loya Insurance customer service reviews

Fred Loya has an extremely poor customer service reputation — so poor that the cheap rates might not be worth the hassle.

In fact, the company was fined in 2012 for not adhering to underwriting guidelines for customer discounts that it had filed with the Texas Department of Insurance, instead imposing other requirements that kept premiums higher.

Data from the National Association of Insurance Commissioners (NAIC) shows that Fred Loya receives 475% more complaints than would normally be expected of an insurance company of its size. Complaints against Fred Loya auto insurance center on delays and claim denials, and reviews from sources such as the Better Business Bureau (BBB) and Reddit cite similar issues.

Coverages from Fred Loya

Fred Loya offers an extremely limited number of coverages. In addition to mandatory liability insurance coverage, policyholders can add the following coverages to their Fred Loya policy:

Collision coverage

Pays for damage to your own car that results from a collision.

Other than collision (comprehensive)

Pays for damage that results from something other than a collision, such as animal or weather damage, theft and vandalism.

Personal injury protection (PIP)

Covers your own injuries, lost wages and caregiving or funeral expenses after an accident.

Medical payments (MedPay)

Covers your own injuries, no matter who is at fault.

Additionally, Fred Loya does cover rental cars. You can purchase rental reimbursement coverage, and your liability coverage will extend to a rental car that you use while your own car receives repairs. Fred Loya contracts with a number of mechanic shops, which it calls Direct Repair Facilities (DRP), and auto repairs completed at these shops are guaranteed for as long as you own or lease the car.

Fred Loya does not have roadside assistance insurance coverage. This means that if you need help on the road, you're on your own. Fred Loya will not help you secure a tow truck or repair a flat. Many other insurance companies offer some kind of towing service, but Fred Loya does not — another reason to consider a different insurer.

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About Fred Loya: Contact and leadership

Fred Loya has only a limited number of website functionalities, so you'll likely need to contact the company via email, by phone or in person during business hours to manage your insurance policy. If you're just looking to pay your bill, you can do that online; simply log in to your Fred Loya Insurance account.

Contact Fred Loya Insurance by calling the following company telephone numbers:

  • Claims phone number: 800-880-0472
  • Customer service phone number: 800-248-8787

Fred Loya Insurance business hours are from 7 a.m. to 8 p.m. Monday through Friday and 7 a.m. to 4 p.m. on Saturday; the company is not open on Sundays.

If you prefer to conduct business via post, you can also send your claim information to the company's mailing address:

Fred Loya Insurance P.O. Box 972450 El Paso, TX 79997

Who owns Fred Loya Insurance?

Fred Loya Jr. is the chief executive officer of EP Loya Group, the private company of which Fred Loya Insurance Agency is a subsidiary. Fred Loya Insurance headquarters are located in El Paso, Texas.

Other subsidiaries of the EP Loya Group franchise include:

  • Fred Loya Insurance Agency
  • Rodney D. Young Insurance Group
  • Loya Insurance Company
  • Loya Casualty Insurance Company
  • Young America Insurance Company

Frequently asked questions

Is Fred Loya car insurance cheap?

Yes, Fred Loya auto insurance is often even more affordable than coverage from bigger companies like Geico and State Farm. Furthermore, Fred Loya raised our sample driver's rates only 24% after a crash, which is lower than is typical.

Is Fred Loya a good insurer?

Fred Loya has cheap rates but extremely poorly rated customer service. It has more than five times as many complaints as a typical car insurance company of the same size, suggesting customers are often displeased with the service they receive.

How do I contact Fred Loya?

Fred Loya's main customer service phone number is 800-554-0595. Or, email [email protected]

Where does Fred Loya sell insurance?

Fred Loya is available in 11 states: Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Nevada, New Mexico, Ohio and Texas.


ValuePenguin collected quotes for a full coverage policy in ZIP codes across Texas. Our sample drivers were both 30-year-old men who drive a 2015 Honda Civic EX. One has a clean driving record; the other has an at-fault accident on his record.

We gave our sample drivers the following coverages:

Coverage type
Study limits
Bodily injury liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

Quotes for this study were provided by Quadrant Information Services. Quotes were publicly sourced from insurer filings. They are intended solely for comparative purposes, as your own rates will likely differ.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.