This is an iconOnline quotes and bill pay
This is an icon726 offices in 11 states
This is an iconFamily-owned business


This is an iconNo online claims portal
This is an iconInadequate customer service
This is an iconNo discounts

Fred Loya, the 18th largest Hispanic-owned-and-operated business in the U.S., focuses on providing general auto insurance coverage to drivers in 11 states. The company offers a variety of car insurance options at affordable rates, but consumer reviews submitted to the Better Business Bureau suggest Fred Loya sometimes receives complaints around customer service support and access to funds once files are claimed.

How Does Loya Insurance Auto Insurance Rate?

Because Fred Loya does not have a national footprint, consumer reporting agencies such as J.D. Power and AM Best do not rank the agency.

Customer Satisfaction Rating

The Better Business Bureau (BBB) gives Fred Loya a "B+" rating, though this score is not based on customer satisfaction. Fred Loya car insurance customer reviews on BBB raise issues around problems making claims and unresponsive customer service. Consumers give the company an average one-star rating out of a possible five.

Customer Complaint Ratio

Loya Insurance

The National Association of Insurance Commissioners (NAIC) compiles records on consumer complaints to help individuals make informed decisions about who they choose to insure them. The national median complaint ratio was 1.0 for 2019, while Fred Loya Insurance received a complaint ratio of 2.01. This signifies that the company received more complaints than the national average.


Loya Insurance Insurance Features

What began as a single location in 1974 now encompasses 726 offices and more than 600,000 insured drivers. If you want to find the best auto insurance, it's important to get quotes from several different companies.

  • Type of Feature
  • Online Price Quotes
    Users enter their zip code on the website and can receive a quote if they have relevant paperwork handy.
  • Online Bill Pay
    Customers can use a secure payment form to keep up with their insurance premiums.

Loya Insurance Auto Coverage

Fred Loya provides multiple insurance types and plans to meet the needs of a variety of customers.

  • Type of Coverage
  • Collision
    Damages caused by your vehicle are covered with collision insurance.
  • Personal Injury Protection
    PIP covers medical expenses regardless of fault status and typically covers lost wages.
  • Uninsured
    If the person you are in a wreck with does not have insurance or holds inadequate insurance, this can be used for expenses they do not cover.

Optional Insurance Features and Coverage

Aside from standard insurance coverage, customers can add optional features if they desire.

  • Type of Option
  • Rental Reimbursement
    Fred Loya provides liability coverage for rental vehicles used temporarily as a replacement to a customer's main vehicle.
  • Medical Payments
    This insurance covers any necessary medical expenses required by injuries you or your passengers sustain in a wreck.

How to Make a Car Insurance Claim With Loya Insurance

Fred Loya accepts claims through the customer service hotline Monday through Friday from 7:00 a.m. to 8:00 p.m. MST and Saturday from 7:00 a.m. to 4:00 p.m. MST. Callers will be asked to provide information about the claim and the representative will assign them to a liability claims adjuster. This staff member will call the customer within 24 hours of the initial report.

Contact Loya Insurance Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


Katy McWhirter is a professional writer and owner of Heritage Creatives, a boutique historical branding agency. She has experience in nonprofit management, marketing, personal finance, government relations and education from her decade-plus writing career. Katy’s work has been featured in both the United States and abroad, highlighting the need for research-driven, accessible information on financial topics.

Katy earned her bachelor’s degree in social entrepreneurship from Belmont University in Nashville, Tennessee, and her master’s degree in modern history from the University of York in England. She spends her free time with her husband and two cats, restoring their 1901 home in Louisville and reading up on all things personal finance.