Loya Car Insurance
Best Rates from Us & Our Partners!*
Call us 855-620-9443
Best Rates from Us & Our Partners!*
Fred Loya Car Insurance specializes in offering minimum required auto coverage to high-risk drivers—especially those with poor credit histories or SR-22 requirements due to traffic violations or DUIs. The company is part of the EP Loya Group, a Texas-based insurance group that also owns Loya Insurance Company and Young America Insurance. Depending on your state, your policy may be issued under any of these brands. Fred Loya stands out for its convenient office locations, often found in grocery stores and select Walmart locations.
If you’re having difficulty finding affordable coverage, Fred Loya may be a good option—especially for high-risk drivers. The company offers flexible coverage options for those needing to meet state minimums or SR-22 filings. If you’re looking only for basic coverage, you can compare Fred Loya with other low-cost alternatives to determine the best fit.
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When shopping for car insurance, it’s essential to know both what you’re required to carry and what extra protections may benefit you. Most states mandate a minimum amount of liability coverage, but many drivers opt for full coverage for added protection. Fred Loya offers a variety of standard options such as liability, comprehensive, and collision coverage. They also provide rental reimbursement if your car needs repairs after a covered incident.
Fred Loya policies are designed for high-risk drivers, including those with poor or no credit history. Policies can be issued with or without a credit check, and SR-22 filings are available when required.
Be aware that Fred Loya uses some nonstandard policy terms. For instance, their “complete coverage” option—a combination of collision and comprehensive coverage—is available only for undamaged vehicles. Additionally, all policy changes must be made via phone or in person, as online changes are not currently supported.
Fred Loya offers a range of discounts that may help lower your premium, including:
Contact Fred Loya or use their website to see which discounts you may qualify for and to get a quote tailored to your circumstances.
You can request a quote for Fred Loya car insurance coverage online, call 800-444-4040, or visit a nearby Fred Loya office. Many of their locations are conveniently situated inside grocery stores or Walmart locations. Use their website’s location finder to locate the nearest agency.
If you’re new to auto insurance or comparing providers, make sure to explore the key considerations when buying a car insurance policy. Understanding what to look for can help you get better rates and better protection.
The Fred Loya website offers a clear breakdown of policy features, coverage types, and customer services. Policyholders can log in to manage their accounts and make payments, while new customers can easily get a quote and find nearby office locations. Whether you’re a first-time driver or need high-risk coverage, Fred Loya can help you get on the road with legal protection.