Fred Loya
Not yet rated
- 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's take on Fred Loya auto insurance
We were unable to rate Fred Loya because there is no financial strength rating information available about the company. It has a great set of discounts, but its scores for customer experience and digital experience are relatively poor compared to other insurers we analyzed.
Best for: Drivers who have trouble getting coverage elsewhere because of their credit history, past accidents, tickets or other violations.
Not ideal for: Drivers who have other options for car insurance.
Where Fred Loya car insurance stands out
Option for high-risk drivers. Fred Loya specializes in coverage for high-risk drivers, those who have had trouble finding insurance because of past accidents, tickets or serious driving violations.
Where Fred Loya car insurance falls short
Customer experience. Fred Loya receives far more complaints from policyholders than expected for its size, according to data from the National Association of Insurance Commissioners. It also ranks last for customer satisfaction in Texas, according to the Auto Insurance Study by J.D. Power.
Digital experience. Fred Loya’s website can be difficult to navigate. You can’t file or track claims online. And once a policy is purchased, any changes, including address and phone number updates, must be made over the phone or in person.
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Fred Loya 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 student and earning good grades.
Not having any claims on your driving record.
Being a safe driver.
Setting up automatic monthly payments.
Renewing your policy.
Paying your insurance premiums upfront in full.
Insuring family members in your household on your policy.
Having a car alarm system.
The cheapest car insurance that you can get is a policy that has only as much car insurance as your state requires. If you can afford it, we recommend getting more than the minimum amount of car insurance. Otherwise, your policy may not cover all of the damage that a serious accident causes.
Fred Loya auto insurance coverage
Fred Loya offers the same standard types of car insurance that most other insurance companies do:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
Fred Loya also offers a couple of policy add-ons:
Roadside assistance. If your car breaks down, this coverage will help pay for a tire change, fuel delivery, towing and other similar roadside services.
Who might need it? You may want to have roadside assistance if you don’t already receive similar coverage from a credit card or membership, like AAA.
Rental car reimbursement. This coverage will help pay for the cost of a replacement rental vehicle if you’re unable to use your car after a covered accident.
Who might need it? Rental car reimbursement may be important to have if you don’t have a replacement vehicle and you use your car everyday to drive to work or school.
SR-22 filing. Fred Loya can help you file an SR22, a document that proves to your state that you have an active car insurance policy.
Who might need it? The laws of your state may require you to have an SR22 on record after a serious driving violation, like a DUI or if you’re caught driving without car insurance.
You don’t have to choose between cheap car insurance and the coverage you want or need. Regardless of the coverage you need, comparing car insurance quotes can help you find the insurer offering you the cheapest rates.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Is Fred Loya a good insurance company?
We were unable to rank Fred Loya in our analysis because there’s no available financial strength information for it. While it offers a fairly large range of discounts, Fred Loya received poor ratings for customer experience and digital ease of use.
Complaints: Fred Loya receives 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 information about Fred Loya car insurance
Customer service: Call 800-444-4040 or send an email to customerservice@fredloya.com. You can also visit a Fred Loya location by using the website’s location finder.
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.
Mobile app: You can use the Fred Loya app to view policy documents, make payments and find an agent.
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM 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 the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
How do I file a claim?
How do I file a claim?
Claims must be filed over the phone by calling 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 2022-2024. 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 2023 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.
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.
