Fred Loya Auto Insurance Review 2025
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Fred Loya
High-risk drivers may be able to find coverage, but Fred Loya’s past legal issues and customer complaints make this company a difficult one to recommend.- Policies are available for high-risk drivers.
- Some offices are conveniently located in grocery stores and Walmart.
- High number of complaints and past legal issues.
- Does not offer 24/7 claim filing.
NerdWallet was not able to rate Fred Loya for overall performance because there is no financial strength rating information available for the company. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
Fred Loya Insurance specializes in providing minimum levels of auto insurance to high-risk drivers — typically those with poor credit or those who are required to file an SR-22 form due to traffic violations or DUIs. The company is operated by EP Loya Group, a Texas-based auto insurance company, which also owns Loya Insurance Company, Vision Insurance Company and Young America Insurance — companies that may offer policies from both Fred Loya and other insurance providers. Depending on your location, Fred Loya Insurance may be marketed using one of these names.
While Fred Loya offers convenient office locations in grocery stores and Walmart stores, its policies can be confusing. The company also has a high number of customer complaints and has faced legal troubles in the past.
If you have a hard time finding coverage, Fred Loya can likely issue you a policy. However, consider other options available for high-risk drivers before choosing Fred Loya as your auto insurance provider. If you simply want to purchase a policy that meets your state’s required minimum coverage levels, there are alternative options available to you.
» MORE: Best car insurance companies
Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.
- How we review auto insurance companies
In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:
Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
Discounts. We look at both the kind of discounts Fred Loya offers and the total number of discounts available.
Compare to other insurers
Not Rated |  NerdWallet rating 2.5/5 |  NerdWallet rating 1.5/5 |
Discounts Great set of discounts | Discounts Very few discounts | Discounts Great set of discounts |
Ease of use Above average | Ease of use Below average | Ease of use Above average |
NAIC complaints Far more than expected | NAIC complaints More than expected | NAIC complaints Far more than expected |
Bottom line High-risk drivers may be able to find coverage, but Fred Loya’s past legal issues and customer complaints make this company a difficult one to recommend. | Bottom line This insurer offers coverage for high-risk drivers and can help you out with an SR-22, but it has a high volume of customer complaints. | Bottom line Acceptance provides coverage for high-risk drivers and can file an SR-22 form if needed. However, it sells policies in only 13 states. |
Fred Loya auto insurance coverage
When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
In addition to these coverage types, Fred Loya also offers rental reimbursement coverage, which will pay for a rental while your car is in the shop for covered repairs.
Fred Loya offers policies for high-risk drivers, which often includes those with poor or no credit. Fred Loya’s policies can be issued with or without a credit check, and SR-22 forms may be available.
Some policy coverage types and exclusions are unconventional and may not be clear, so it’s important to carefully read the fine print. For example, Fred Loya mentions you would need “complete coverage” to pay for damages to your own vehicle if you cause an accident, but there is no explanation of how to add that to a policy. And once a policy is purchased, any changes, including address and phone number updates, must be made over the phone or in person.
Fred Loya offers online car insurance quotes or you can call for quotes at 800-444-4040. You can also visit a Fred Loya location by using the website’s location finder. Some are in readily accessible retail spots like grocery stores and select Walmart locations.
» MORE: Compare car insurance rates
Auto insurance discounts
You may be able to save on a Fred Loya auto insurance policy by:
Insuring more than one vehicle.
Having a record of insurance coverage for the past 12 months.
Owning a home.
Maintaining a clean driving record.
Driving a new car.
Being a good student.
Not having any claims on your driving record.
Being a safe driver.
Setting up automatic monthly payments.
Renewing your policy.
Paying your insurance premiums in full upfront.
Insuring family members in your household on your policy.
Having a car alarm system.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.
Complaints
Fred Loya had far more than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
» MORE: Get free car insurance quotes
More about Fred Loya auto insurance
Website: The Fred Loya website has limited information on coverage options and offers few features. Current customers can log in to access their policy and make payments online, while new customers can get an online quote and use the site’s location finder to look up the nearest agency.
Frequently asked questions
How do I file a claim?
How do I file a claim?
Claims must be filed over the phone by dialing 800-880-0472. They can be reported only during Fred Loya’s office hours, which are 8 a.m. to 7 p.m. MT Monday through Friday and 8 a.m. to 4 p.m. MT on Saturdays.
What is the Fred Loya customer service phone number?
What is the Fred Loya customer service phone number?
You can reach Fred Loya’s customer service team by dialing 800-444-4040.
In what states does Fred Loya sell car insurance?
In what states does Fred Loya sell car insurance?
Fred Loya auto policies are available in Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Nevada, New Mexico, Ohio, Oklahoma and Texas.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
2025 auto insurance survey methodology
The opt-in survey of 7,503 U.S. adults ages 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2024. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy within the past 12 months, with at least some changes to the original policy. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.
Only brands with 100 or more qualifying respondents are reported. Of those respondents: 300 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were Geico customers, 100 were USAA customers, 157 were AAA customers, 100 were Liberty Mutual customers, 100 were American Family customers, 100 were Farmers customers, 100 were Travelers customers and 101 were Nationwide customers.
