Fred Loya Auto Insurance Review for 2025 (See Policy Options & Prices Here!)

This Fred Loya auto insurance review highlights its no-credit-check policy and SR-22 program for high-risk drivers.

The company provides low-cost minimum coverage but has a history of customer complaints and legal issues. Policyholders may face strict claims processing and limited add-ons, making it a risky choice.

Fred Loya is available at Walmart Supercenters in 10 states, including California, Texas, New Mexico, Illinois, Colorado, Alabama, Arizona, Ohio, Georgia, and Oklahoma.

Fred Loya Auto Insurance Rating

Rating Criteria
Insurance Rating	2.6
Business Reviews	2.0
Claim Processing	2.0
Company Reputation	2.0
Coverage Availability	2.1
Coverage Value	2.5
Customer Satisfaction	3.4
Digital Experience	2.0
Discounts Available	2.3
Insurance Cost	3.4
Plan Personalization	2.0
Policy Options	2.5
Savings Potential	3.0

To look for Fred Loya insurance near you, enter your ZIP code into our free comparison tool.

Fred Loya Insurance Rates Breakdown

Fred Loya’s pricing structure for minimum and full coverage policies differs from those of major competitors. While its rates cater to high-risk drivers, the table highlights cost disparities.

Fred Loya Auto Insurance Monthly Rates vs. Top Competitors by Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$55	$120
	$63	$120
	$43	$100
	$65	$150
	$52	$105
	$60	$125
	$50	$115
	$47	$110
	$44	$108
	$40	$92

USAA offers the lowest rates across both coverage levels, while Farmers and State Farm remain competitive. Fred Loya’s positioning suggests affordability but with trade-offs in service quality.

The cost of auto insurance by Fred Loya varies depending on age and sex. Younger drivers have to pay much more in premiums. The highest rates are for males 16 years old. They need to pay $430 monthly for full insurance coverage.

Fred Loya Auto Insurance Monthly Rates by Age, Gender, & Coverage Level

On the other hand, females 65 years old just have to make a payment of $140. Drivers in middle age get an advantage from decreased premiums because insurance companies perceive them as low risk.

Fred Loya’s Business Insurance Ratings and Consumer Feedback

Fred Loya’s business insurance ratings reveal concerns about below-average customer satisfaction and financial stability. J.D. Power gives it a score of 780/1,000, pointing out below-average service. Find out which best auto insurance companies stand out for reliability and savings.

Fred Loya Business Insurance Ratings & Consumer Reviews

Agency
	Score: 780 / 1,000 Below Satisfaction
	Score: B- Fair Business Practices
	Score: 74/100 Low Customer Feedback
	Score: 4.50 More Complaints Than Avg.
	Score: C Weak Financial Strength

On the other hand, A.M. Best gives it a C rating, which indicates instability in the financial aspect. Consumer reports show mixed reviews, with a 74/100 score, yet complaint volume is higher than the average.

Fred Loya Insurance Coverage Options

Fred Loya gives necessary insurance choices specifically for drivers categorized as high-risk, focusing on fundamental safety without many extra features. The coverage options Fred Loya offers to those who hold policies with them are:

• Bodily Injury Liability: Bodily injury liability covers for injuries caused during an accident.
• Property Damage Liability: Property damage liability covers for damages caused during an accident.
• Uninsured/Underinsured Motorist: This kind of coverage pays when a person who is to be blamed does not have insurance, has inadequate insurance, or if they are a hit-and-run driver.
• Collision: Collision covers for damage to your vehicle caused during an accident.
• Comprehensive: This insurance compensates for any harm to your car that isn’t accident-related, like bad weather or acts of vandalism.

Fred Loya provides necessary auto insurance coverage, mostly serving high-risk drivers seeking basic protection.

The usual policies have liability, uninsured motorist, collision, and comprehensive auto insurance coverage, but additional features are few.

Driving Records Impact Fred Loya’s Auto Insurance Rates

The cost of automobile insurance from Fred Loya varies according to driving record. Learn how drivers can secure cheap auto insurance for a bad driving record here.

Fred Loya Auto Insurance Monthly Rates by Provider & Driving Record

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$203	$224	$266	$330
	$224	$251	$293	$360
	$210	$239	$287	$393
	$217	$249	$285	$343
	$117	$140	$168	$255
	$237	$273	$316	$381
	$128	$157	$201	$297
	$147	$184	$237	$319
	$112	$135	$155	$200
	$95	$116	$133	$174

Those with clean histories pay the least, while those who have had a DUI encounter the highest increases, with rates exceeding $300 for many insurance companies.

State Farm and USAA present cheaper options, but Liberty Mutual and Farmers apply larger penalties.

Fred Loya Auto Insurance Discounts and Savings Breakdown

Fred Loya offers multiple discount opportunities, with safe drivers receiving the highest savings of up to 20%. Compare the best auto insurance discounts and maximize your policy benefits.

Fred Loya Auto Insurance Discounts by Savings Potential

Bundling multiple vehicles can reduce rates by 15%, while good students, claim-free drivers, and affinity group members enjoy 10% savings. Smaller discounts apply to homeowners, electronic payments, and full premium payments.

What You Should Know About Fred Loya Insurance

Unfortunately, Fred Loya’s car insurance reviews suggest the company may not be a good fit for most people. According to the National Association of Insurance Commissioners (NAIC), the company has far more than the expected number of complaints for its size.

Additionally, Fred Loya’s insurance claims reviews from customers state the company does not honor its policies, causing customers to have to pay out of pocket for things that their insurance should cover.

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— Fred Loya Insurance (@LoyaInsurance) August 10, 2021

Fred Loya was fined in 2012 for not adhering to underwriting guidelines. Even now, the NAIC shows that the company has nearly 500% more complaints than it should based on size.

As you search for auto insurance, you should find multiple options that may work for you. However, you should avoid Fred Loya coverage and pursue a policy with another company with better ratings and positive customer feedback.

Overview of Fred Loya Insurance

Fred Loya Insurance Company offers nonstandard auto insurance coverage to high-risk drivers and liability policies to individuals who may find it challenging to get coverage elsewhere.

Here are some of the high-risk drivers Fred Loya covers:

• People with a DWI or DUI on their driving record
• Individuals with bad credit
• People who need to file for SR-22 coverage
• Individuals with multiple traffic violations on their driving record

Fred Loya Insurance Company, Fred Loya Insurance, and Young America Insurance are all Fred Loya’s subsidiaries. If you’re considering purchasing a policy with Loya, you should look around and see if you can get coverage elsewhere.

Because the company has so many customer complaints, it may not be a great fit. Check Fred Loya’s insurance quote in your area by entering your ZIP code into our free quote tool.