Fred Loya Insurance Company: Compare Rates and Review
Fred Loya Insurance sells coverage to high-risk drivers in 11 states. The average annual rate for a Fred Loya full coverage policy is $1,097. In addition, drivers can pay for their insurance online.
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Rachael Brennan
Licensed Insurance Agent
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...
Licensed Insurance Agent
UPDATED: May 17, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: May 17, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Fred Loya Insurance provides coverage to 11 states
- Drivers can’t file a claim or get a quote through the Fred Loya website
- You can obtain SR-22 insurance through Fred Loya
Drivers on a budget will be happy to learn that getting good coverage at a cheap rate is possible. Companies like Fred Loya Insurance can get you the coverage you need to stay protected without worrying about breaking the bank. Keep reading this Fred Loya Insurance review to learn more about this company’s coverages and discover if Fred Loya Insurance is the right choice for you.
What is Fred Loya Insurance?
The Fred Loya insurance company is part of the Loya Insurance Group, founded in 1974 by Fred Loya. Fred Loya Jr. is the current CEO. This company caters to high-risk drivers and provides insurance coverage in 11 states, including:
- Alabama
- Arizona
- California
- Colorado
- Georgia
- Illinois
- Indiana
- Nevada
- New Mexico
- Ohio
- Texas
If you live outside of Fred Loya’s coverage area, you can shop online to find a local insurance company to get you the coverage you need.
Enter your ZIP code below to view companies that have cheap insurance rates.
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What online features does Fred Loya Insurance offer?
If you want to purchase insurance through Fred Loya, you’ll need to contact one of the company’s agents since you can’t get a quote online. Instead, you can call 1-800-444-4040 for a free quote. However, the Fred Loya website offers a client login portal and an online payment tool.
What coverages does Fred Loya Insurance provide?
Fred Loya offers traditional coverage that can keep you street-legal and protected on the road. You can review the coverages provided by this insurance company here:
Fred Loya Car Insurance Coverages
| Auto Insurance Types | Purpose of Coverage |
|---|---|
| Bodily injury liability | Pays for medical bills if someone else suffers an injury in an accident caused by you. |
| Property damage liability | Liability coverage that covers the cost of any property damage you’ve caused in an accident. |
| Collision | Covers damage to your car after an accident. |
| Comprehensive | Covers damage to your car when you’re not driving. |
| Personal injury protection | Covers medical expenses for you and your passengers after an accident. |
| Uninsured/underinsured motorist | Covers the costs if you’re in an accident caused by a driver will little or no car insurance. |
| Medical payments | Covers medical costs caused by an accident regardless of who is at fault. |
In addition to the above coverages, you can also purchase rental car coverage. Unfortunately, roadside assistance with Fred Loya is unavailable, which is surprising since most car insurance companies offer this coverage. Drivers who need to reinstate their licenses can obtain SR-22 insurance through this company.
Are Fred Loya Insurance rates affordable?
Since every insurance company takes a different approach to the underwriting process, you can use the chart below to examine how Fred Loya’s full coverage rates compare to other major insurance companies:
Fred Loya Average Annual Full Coverage Car Insurance Rates vs. Other Companies Based on Driving Record
| Company | Average Annual Rates With a Clean Record | Average Annual Rates With One Accident | Average Annual Increase After an Accident |
|---|---|---|---|
| Fred Loya | $979 | $1,215 | 24% |
| State Farm | $1,313 | $1,532 | 17% |
| Geico | $2,140 | $3,312 | 55% |
| Allstate | $4,496 | $7,110 | 58% |
On average, Fred Loya rates are cheaper than other insurance companies, but remember that rates vary from driver to driver. Your rate can fluctuate based on your coverage types, vehicle age, and credit score. Other factors that influence rates include your age and address.
Enter your ZIP code below to view companies that have cheap insurance rates.
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Does Fred Loya Insurance offer discounts?
The Fred Loya website advertises that discounts are available but shares no information about those discounts. You can use the chart below to review discounts offered by other insurance companies, so when you begin shopping for a new insurance policy, you can ensure that you aren’t missing out on any money-saving opportunities:
| Discounts | 21st Century | AAA | Allstate | American Family | Ameriprise | Amica | Country Financial | Esurance | Farmers | Geico | Liberty Mutual | MetLife | Nationwide | Progressive | Safe Auto | Safeco | State Farm | The General | The Hanover | The Hartford | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | x | x | x | x | ||||||||||||||||||
| Adaptive Headlights | x | x | x | x | x | x | x | x | ||||||||||||||
| Anti-lock Brakes | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x |
| Anti-Theft | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x |
| Claim Free | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x |
| Continuous Coverage | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | |||||||
| Daytime Running Lights | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | ||||
| Defensive Driver | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x |
| Distant Student | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | |||||||
| Driver's Ed | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | ||
| Driving Device/App | x | x | x | x | x | x | x | x | x | x | x | x | x | |||||||||
| Early Signing | x | x | x | x | x | x | x | x | x | x | x | x | x | x | ||||||||
| Electronic Stability Control | x | x | x | x | x | x | x | x | x | |||||||||||||
| Emergency Deployment | x | |||||||||||||||||||||
| Engaged Couple | x | |||||||||||||||||||||
| Family Legacy | x | x | x | x | x | x | ||||||||||||||||
| Family Plan | x | x | x | x | x | |||||||||||||||||
| Farm Vehicle | x | x | x | x | ||||||||||||||||||
| Fast 5 | x | |||||||||||||||||||||
| Federal Employee | x | x | x | x | ||||||||||||||||||
| Forward Collision Warning | x | x | x | x | x | x | x | |||||||||||||||
| Full Payment | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | |||||
| Further Education | x | x | x | x | x | x | x | x | x | |||||||||||||
| Garaging/Storing | x | x | x | x | x | x | ||||||||||||||||
| Good Credit | x | x | x | x | ||||||||||||||||||
| Good Student | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x |
| Green Vehicle | x | x | x | x | x | x | x | |||||||||||||||
| Homeowner | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | ||||
| Lane Departure Warning | x | x | x | x | ||||||||||||||||||
| Life Insurance | x | x | ||||||||||||||||||||
| Low Mileage | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | |||
| Loyalty | x | x | x | x | x | x | x | x | x | x | x | x | ||||||||||
| Married | x | x | x | x | x | x | x | x | x | x | x | x | x | x | ||||||||
| Membership/Group | x | x | x | x | x | x | x | x | x | x | x | |||||||||||
| Military | x | x | x | x | x | x | x | x | x | x | ||||||||||||
| Military Garaging | x | |||||||||||||||||||||
| Multiple Drivers | x | x | ||||||||||||||||||||
| Multiple Policies | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | |
| Multiple Vehicles | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | |
| New Address | x | |||||||||||||||||||||
| New Customer/New Plan | x | x | x | |||||||||||||||||||
| New Graduate | x | |||||||||||||||||||||
| Newer Vehicle | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | ||||||
| Newly Licensed | x | |||||||||||||||||||||
| Newlyweds | x | |||||||||||||||||||||
| Non-Smoker/Non-Drinker | x | |||||||||||||||||||||
| Occasional Operator | x | |||||||||||||||||||||
| Occupation | x | x | x | x | x | x | x | x | x | x | x | x | ||||||||||
| On Time Payments | x | x | x | x | ||||||||||||||||||
| Online Shopper | x | x | ||||||||||||||||||||
| Paperless Documents | x | x | x | x | x | x | x | x | ||||||||||||||
| Paperless/Auto Billing | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | |||||
| Passive Restraint | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x |
| Recent Retirees | x | x | ||||||||||||||||||||
| Renter | x | x | x | |||||||||||||||||||
| Roadside Assistance | x | x | ||||||||||||||||||||
| Safe Driver | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | |||
| Seat Belt Use | x | |||||||||||||||||||||
| Senior Driver | x | x | x | x | x | x | x | x | x | |||||||||||||
| Stable Residence | x | x | x | x | ||||||||||||||||||
| Students & Alumni | x | x | x | x | x | x | ||||||||||||||||
| Switching Provider | x | x | x | x | x | x | x | x | x | x | x | |||||||||||
| Utility Vehicle | x | x | x | x | ||||||||||||||||||
| Vehicle Recovery | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | |
| VIN Etching | x | x | x | x | x | x | x | x | x | x | ||||||||||||
| Volunteer | x | |||||||||||||||||||||
| Young Driver | x | x | x | x | x | x | ||||||||||||||||
| Total Discounts Provided | 21 | 21 | 29 | 27 | 18 | 27 | 26 | 34 | 34 | 31 | 38 | 38 | 35 | 36 | 22 | 30 | 19 | 20 | 22 | 38 | 28 | 28 |
Shopping online is the most efficient way to shop for car insurance because you can compare quotes to find out which companies offer the best rates, discounts, and coverage.
Is it easy to file a claim with Fred Loya Insurance?
Particularly in the technological age, it’s surprising that you can’t file a claim via the Fred Loya Insurance website. Instead, you’ll need to call 800-880-0472 between Monday and Saturday. Once you’ve alerted the company of your claim, you’ll need to wait for Fred Loya Insurance to mail you documents to fill out and send back. Only after the company has received that paperwork will an adjuster reach out to you.
What You Need to Know About Fred Loya Insurance
High-risk drivers can get the coverage they need at cheap rates through Fred Loya Insurance. While Fred Loya Insurance provides cheap insurance, its other client amenities are lacking. Drivers can’t file a claim online or get roadside assistance, which many other insurance companies offer. If you don’t think Fred Loya Insurance is the right fit for you, you can shop online to find a company that better suits your needs.
Enter your ZIP code below to view companies that have cheap insurance rates.
Secured with SHA-256 Encryption
Rachael Brennan
Licensed Insurance Agent
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.