Is Fred Loya Good for Auto Insurance?

Last Updated on January 6, 2026

Fred Loya Insurance (part of the Loya Insurance Group) is best known for selling budget-friendly, state-minimum policies through a large network of local offices. For some drivers—especially those who’ve had trouble getting insured elsewhere—it can be a practical way to stay legal on the road.

But “good” depends on what you need. If you want white-glove customer service, lots of digital tools, and a smooth claims experience every time, Fred Loya may not be the strongest fit. If you mainly need affordable basic coverage, flexible payment options, or an insurer that’s comfortable with higher-risk drivers, it’s worth getting a quote and comparing it to other companies.

Fred Loya Insurance at a Glance

• Best for: Drivers shopping for basic liability coverage, drivers who need a policy quickly, and some higher-risk drivers who may struggle to find coverage elsewhere.
• Not ideal for: Drivers who want lots of online self-service, top-rated claims satisfaction, or a broad bundle of insurance products.
• Big tip: Compare quotes using the same coverage limits. Fred Loya can look cheap at state minimums, but the price picture can change once you add full coverage and higher limits.

Where Is Fred Loya Available?

Fred Loya Insurance operates through neighborhood offices in 12 states. At the time of writing, the company lists availability in: Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Nevada, New Mexico, Ohio, Oklahoma, and Texas.

If you frequently travel or move, keep in mind that a regional carrier may be less convenient than a nationwide brand with broader support networks and apps. (That said, your coverage typically still follows you when you drive out of state—what changes is how easy it is to get help.)

What Car Insurance Coverage Does Fred Loya Offer?

Fred Loya sells the standard building blocks of auto insurance. Most drivers start with liability auto insurance, which is required by law in nearly every state. Liability pays for the other driver’s injuries and vehicle damage when you cause an accident.

You can usually add extra protection (often called endorsements) to build a more complete policy. If you’re comparing options, this guide to auto insurance add-ons is a helpful starting point.

• Collision coverage: Helps pay to repair or replace your car after a crash (regardless of fault). Learn more: What is collision coverage?
• Comprehensive coverage: Helps pay for non-collision damage like theft, hail, falling objects, animal strikes, and more. Learn more: What is comprehensive coverage? (It commonly applies to things like vandalism, too.)
• Personal Injury Protection (PIP): Available/required in some states and can help pay medical bills and related costs after a crash—sometimes including lost wages. Learn more: What is PIP?
• Medical Payments (MedPay): Helps pay medical expenses for you and passengers after an accident, regardless of fault. Learn more: What is MedPay? If you already have health insurance, this can help you decide whether it’s worth it: Do you need MedPay if you already have health insurance?
• Roadside assistance: Typically covers common breakdown needs like towing, jump starts, flat tire help, fuel delivery, and lockout service. (Availability and limits vary.) More here: Fred Loya roadside assistance

Important: If you have a loan or lease, your lender almost always requires collision and comprehensive. If you’re only buying minimum liability, you may be saving money now—but you’re also taking on much more risk if your car is damaged or stolen.

What Discounts Does Fred Loya Offer?

Fred Loya promotes multiple discounts, but what you qualify for depends on your state, vehicle, and driving profile. Common discount categories include:

• Multi-car discount
• Good driver / safe driver discounts
• Prior insurance (continuous coverage) discount
• Claim-free discount
• Good student discount (where available)
• New car discount
• Vehicle safety/anti-theft discounts (varies by state)
• Auto-pay / EFT discount (where available)
• Homeowner discount (in some states)

Discounts can help, but they’re not the whole story. A “discounted” policy can still be expensive if the base rate is high for your profile—so always compare the final premium, not just the discount list.

Pricing: Is Fred Loya Cheap?

Fred Loya can be competitive for minimum coverage—especially for drivers who are shopping on price alone or who have had trouble finding coverage elsewhere. But if you’re looking for full coverage (liability + collision + comprehensive), the premium can jump quickly, particularly for higher-risk drivers.

Also, if you’ve been wondering why your car insurance is so high with no accidents, you’re not alone—rates can increase for reasons beyond your driving record (repair costs, theft rates, medical inflation, and more).

If you have tickets, accidents, a lapse in coverage, or need an SR-22, Fred Loya may be one of the companies willing to quote you—but you should still compare multiple insurers that specialize in drivers with bad driving records.

Does Fred Loya Check Your Credit?

Credit-based insurance scoring is complicated because states regulate it differently (and some states restrict or prohibit its use). Fred Loya often markets itself to drivers who need flexible underwriting, but whether credit is used—and how much it matters—can vary by state and by the specific company underwriting your policy.

If avoiding credit checks is important to you, start here: no credit check auto insurance quotes. Then confirm directly with the agent how your quote is being rated in your state.

Customer Service and Claims: What to Expect

Fred Loya’s biggest strength is its large number of local offices and its focus on getting drivers insured quickly. For routine tasks—making payments, updating a policy, getting proof of insurance—many customers like being able to talk to someone in person.

On the other hand, customer experiences are mixed. Complaints about communication delays and slow claim handling come up frequently in consumer reviews. When you’re filing a claim, it helps to understand what the claims adjuster does and what documentation you should have ready. If your car needs repairs after a covered loss, this step-by-step guide can also help: how to go through your insurance company for repairs.

One more checkpoint: Fred Loya Insurance has received a poor rating on some Better Business Bureau (BBB) profiles. BBB ratings can vary by business entity and location, but it’s still a useful data point to review before you buy.

Financial Strength: Is Fred Loya Rated by A.M. Best?

Financial strength ratings help you gauge an insurer’s ability to pay claims over the long haul. Fred Loya’s brand and/or underwriting companies may not always have easily accessible third-party ratings, depending on the specific carrier listed on your declarations page.

If financial strength is a priority for you, check the exact underwriting company name on your policy documents and look it up before you commit. Here’s a quick explainer on what those ratings mean: A.M. Best ratings.

Pros and Cons of Fred Loya Auto Insurance

How to Get a Quote or File a Claim

To get a quote: The fastest way is usually to call or visit a local office. You can also start online through the company’s website.

• Get a quote: FredLoya.com
• Find an office: Fred Loya locations
• Discount info: Fred Loya discounts

To file a claim: Fred Loya directs customers to report claims by phone. You may also be able to get help through a local office depending on your area.

• Claims page: File a claim with Fred Loya
• Policy login (payments, ID cards, etc.): Fred Loya account login

Alternatives to Consider

Before you commit, compare at least 3 quotes using the same coverage limits and deductibles. In many cases, you’ll find a better mix of price + service by shopping around—especially if you’re deciding between a smaller regional carrier and a big national brand. Here’s a deeper look at that tradeoff: are major auto insurance companies better than smaller ones?

FAQs About Fred Loya Auto Insurance

The Bottom Line on Fred Loya Auto Insurance

Fred Loya can be a solid “get insured and stay legal” option—particularly if you want basic coverage, prefer in-person help, or you’ve had trouble getting coverage elsewhere. But if you want consistently strong claims handling, robust online tools, and broad coverage choices, you may be happier (and sometimes even cheaper) with a different insurer.

Your best move: get a quote from Fred Loya, then compare it against a few competitors with the same coverage. That’s the fastest way to see whether Fred Loya is actually “good” for your situation.