🚗 Fred Loya Insurance in 2025: Is It the Right Auto Insurance for You?
📋 Coverage Snapshot (Quick Overview)
Fred Loya Insurance is a regional auto insurance provider that caters primarily to drivers seeking low-cost car insurance with flexible payment plans. Founded in El Paso, Texas, the company now operates in multiple U.S. states and focuses on serving underserved and high-risk markets.
Here’s what Fred Loya typically offers:
- State-minimum liability coverage: Meets legal insurance requirements in each operating state.
- Full coverage options: Includes collision and comprehensive insurance for financed vehicles.
- SR-22 filings: Available for drivers who need proof of financial responsibility.
- High-risk driver policies: Especially geared toward those with past accidents, DUIs, or poor credit.
- Flexible payment plans: Bi-weekly or monthly options, often with in-person payment at storefronts.
- Walk-in service model: More than 700 office locations in shopping centers and Hispanic neighborhoods.
Fred Loya Insurance is a good fit for budget-conscious drivers who need coverage fast—even if they’ve had trouble getting insured elsewhere.
🧐 What Is Fred Loya Insurance and Who Is It For?
Fred Loya Insurance is a family-owned company that started in 1974. While it may not be a nationally recognized brand like GEICO or State Farm, it’s well-known in southwestern states like Texas, California, and New Mexico.
Who should consider Fred Loya Insurance?
- Drivers needing minimum liability coverage to meet state requirements
- People with past driving violations or poor credit history
- Spanish-speaking customers seeking bilingual service
- Individuals without bank accounts who prefer in-person payments
- Those who want a no-frills insurance policy they can afford today
🌎 Where Is Fred Loya Insurance Available?
As of 2025, Fred Loya Insurance operates in 11 U.S. states:
- Texas
- California
- New Mexico
- Colorado
- Illinois
- Georgia
- Nevada
- Indiana
- Arizona
- Alabama
- Ohio
The company focuses heavily on areas with a high concentration of Hispanic residents and urban centers with walk-in traffic. Their storefronts are often found in strip malls, convenience plazas, and near DMV offices.
🔍 What Types of Coverage Does Fred Loya Offer?
Fred Loya doesn’t offer many bells and whistles, but it provides essential auto coverage options that help drivers stay on the road legally:
1. Liability Insurance
Required by law in every state, this covers bodily injury and property damage to others when you’re at fault in an accident.
2. Collision Coverage
Helps pay for repairs or replacement if your vehicle is damaged in a crash—whether you’re at fault or not. Required if you lease or finance a car.
3. Comprehensive Coverage
Covers non-collision damage such as theft, vandalism, flood, or falling objects.
4. Uninsured/Underinsured Motorist Coverage
Optional in some states, this protects you if you’re hit by a driver with no insurance or not enough coverage.
5. Personal Injury Protection (PIP)
Available in states that require or offer it. Covers medical bills and lost wages for you and your passengers, regardless of fault.
🤔 Common Questions About Fred Loya Insurance
“Is Fred Loya Insurance good for people with bad credit?”
Yes. Fred Loya is one of the few insurers that markets directly to high-risk drivers and people with poor credit. While premiums may still be higher than average, the company offers payment flexibility and lower entry costs.
“Can I get an SR-22 from Fred Loya?”
Yes, if your state requires an SR-22 due to a DUI or other serious violation, Fred Loya can file the form on your behalf and provide coverage to keep your license active.
“Is Fred Loya legit and licensed?”
Absolutely. Fred Loya Insurance is a licensed carrier in every state it operates. It meets regulatory requirements and is subject to the same state oversight as national providers.
💸 Pros and Cons of Fred Loya Auto Insurance
✅ Pros:
- Affordable minimum coverage options
- No-frills approach focused on legal compliance
- In-person service for non-digital users
- Spanish-language support and bilingual agents
- Ideal for high-risk drivers or those needing SR-22
❌ Cons:
- Limited online tools and mobile app support
- Poor reviews on claims handling and customer service
- Few discounts compared to major insurers
- Not ideal for those seeking high coverage or bundling
💬 Customer Experience: What People Say About Fred Loya
Fred Loya has mixed reviews, with many customers appreciating the low rates and walk-in convenience, while others criticize slow claims processing or communication issues. It’s not unusual to see reviews split sharply—those who need affordable coverage fast often leave satisfied, while drivers expecting premium service may be disappointed.
Tip: Know what you’re buying. Fred Loya is budget insurance designed to meet legal requirements, not premium-level protection.
📍 Example: Getting a Fred Loya Policy in California
In California, Fred Loya offices are concentrated in Los Angeles, San Bernardino, Fresno, and Sacramento. Drivers can:
- Walk in and get a quote the same day
- Pay in cash or card
- Drive off with a printed proof-of-insurance card
- Request bilingual service
- File SR-22 forms at no extra charge
Expect basic coverage to cost as little as $60–$90/month for minimum liability, depending on age and record.
📞 Contact Info for Fred Loya Insurance
Ready to get a quote or speak to a local agent?
- 🏢 Address (HQ): 1800 Lee Trevino Dr, Suite 201, El Paso, TX 79936
- ☎️ Phone: 1-800-554-0595
- 🕘 Hours: Mon–Sat, 9am–6pm (hours may vary by location)
- 🌐 Website: fredloya.com
- 📍 Offices: Over 700 storefronts nationwide—check your zip code for the nearest one
🧾 Final Thoughts: Should You Choose Fred Loya?
Fred Loya Insurance isn’t trying to be the next big name in auto insurance—but it excels at what it does best: offering affordable, legal coverage to people who need it most. If you have limited options, need to drive today, or want to avoid digital bureaucracy, Fred Loya may be one of your best options.
Just remember—what you save in price, you may pay for in limited service or coverage. Know your needs, ask about policy details, and don’t be afraid to walk into a local office and ask questions in person.