Auto insurance is one of the most important financial protections a driver can have, and it’s mandatory in almost every state. Whether you’re trying to meet state minimum requirements, protect a financed vehicle, or shield yourself from out-of-pocket repair costs, choosing the right coverage matters. 

Loya Insurance Company is known primarily for offering affordable insurance policies, especially to budget-conscious drivers, high-risk drivers, and people needing SR-22 filings. But affordability is only part of the picture. Understanding the full range of coverage options available through Loya is essential if you want to choose a policy that properly protects you.

Loya offers fewer optional extras than large national carriers, but they provide all core coverage types required by law, along with several additional protections depending on your state. Their policies are designed to be simple, accessible, and easy to understand, especially for customers who prefer walk-in service over complicated digital platforms.

This article gives you a complete overview of everything Loya Insurance offers in terms of auto coverage: liability, collision, comprehensive, medical payments, uninsured motorist, SR-22 filings, and other add-on options. It also explains what these coverages do and how to decide which ones you need.

State Minimum Liability Coverage Is Loya’s Most Popular Option

Loya Insurance specializes in minimum liability coverage, the cheapest and most common type of auto insurance they sell. Liability insurance covers injuries and property damage you cause to other people. It does not cover your vehicle or your injuries.

Every state sets its own minimum liability requirements, which usually include:

• Bodily injury liability per person
• Bodily injury liability per accident
• Property damage liability

For example, a typical requirement in some states might be:

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage

These numbers vary, but Loya’s liability policies always meet state requirements.

Liability-only is ideal if:

• Your car is older
• You want the absolute lowest premium
• You don’t want to insure damage to your own vehicle
• You need immediate proof of insurance
• You want a fast policy rewrite

This is the coverage most commonly purchased by Loya customers due to its low cost.

Full Coverage: Collision and Comprehensive Insurance 

While many people assume Loya Insurance only sells liability, they also offer full coverage in most states. Full coverage includes:

• Collision
• Comprehensive
• Liability

Even though Loya is known for being a budget insurer, it still offers adequate protection for financed vehicles and newer cars.

Collision coverage

Collision pays for damage to your vehicle when you collide with:

• Another vehicle
• A stationary object (pole, wall, guardrail)
• A tree or structure
• A pothole or road hazard
• A vehicle that hits you, if the other driver is uninsured
• Collision coverage pays regardless of fault.

Comprehensive coverage

Comprehensive pays for damage to your vehicle caused by:

1. Theft
2. Vandalism
3. Fire
4. Hail
5. Flood
6. Falling objects
7. Animal collisions
8. Severe weather events

Many customers mistakenly believe collision and comprehensive are optional luxuries, but if you finance or lease your vehicle, lenders require full coverage.

Uninsured and Underinsured Motorist Coverage

In states where it is offered, Loya provides uninsured motorist (UM) and underinsured motorist (UIM) coverage. These cover your injuries and damages if the other driver does not have enough insurance, which is an extremely common issue in states where Loya operates.

This coverage is essential because:

Many drivers in states like Texas, Nevada, New Mexico, and California drive without insurance.
Many drivers carry only minimum liability, which may not cover your full damages.

UM/UIM protects you, not just the other driver.

Medical Payments (MedPay) and Personal Injury Protection (PIP)

MedPay and PIP vary by state, and Loya offers whichever coverage your state allows.

MedPay

MedPay covers:

• Ambulance bills
• Medical treatment
• Hospital stays
• X-rays and imaging
• Funeral expenses

MedPay pays regardless of fault.

PIP

PIP is broader and may also cover:

• Lost wages
• Childcare
• Rehabilitation
• Medical expenses

States like Texas allow PIP, while others restrict it.

PIP and MedPay are extremely helpful because they ensure immediate medical coverage even before fault is determined.

SR-22 Coverage and Filings

One of Loya’s specialties is providing SR-22 insurance — a state filing required for high-risk drivers, often after:

• DUI or DWI
• Driving without insurance
• Multiple violations
• Driving with a suspended license
• Serious accidents

Loya files the SR-22 electronically with the DMV and issues instant proof of insurance.

Drivers who need SR-22s often choose Loya because:

• They offer low down payments
• They provide same-day filings
• They insure high-risk drivers without excessive documentation

Loya understands SR-22 requirements better than many companies because they handle them daily.

Optional Coverages Available Through Loya

Depending on your state and the local office, Loya may offer limited optional add-ons. These options vary but may include:

• Roadside assistance
• Rental reimbursement
• Towing coverage
• Glass-only coverage
• Additional equipment coverage (e.g., aftermarket wheels or stereos)

However, Loya does not offer the extensive list of add-ons you might find with State Farm or Progressive. Their business model focuses on simple coverage at low cost.

What Loya Insurance Does Not Typically Offer

Loya is a budget-focused insurer, so there are certain coverages they generally do not provide:

• Gap insurance (rare)
• Rideshare insurance (Uber, Lyft)
• High-end custom parts coverage
• Luxury vehicle specialty coverage
• New car replacement
• Accident forgiveness
• Large, multi-layer discount programs
• Usage-based telematics programs (limited markets only)

If you need advanced coverage features, a national insurer might be a better fit. If you need simple, affordable protection, Loya excels.

How Loya Insurance Determines Which Coverage You Qualify For

Loya uses several factors to determine the coverage types available to you:

• Your driving history
• Your vehicle type and age
• Whether your vehicle is financed
• Your state’s insurance rules
• Your record of past lapses
• Your age
• Your payment preferences
• Your risk profile

For example:

• If you have multiple at-fault accidents, full coverage may be restricted.
• If your vehicle is very old, collision may not be offered.
• If you need an SR-22, liability-only may be the default policy unless your lender requires more.
• Understanding these limitations helps prevent surprises at the quoting stage.

How to Choose the Best Coverage Through Loya

Choosing the right coverage depends on your vehicle, budget, and risk tolerance.

Liability-only is best if:

• Your car is older
• You want the lowest price
• You don’t mind paying out of pocket for your own car’s damage

Full coverage is better if:

• Your car is financed
• You cannot afford to replace your car
• You want protection against theft and weather damage

UM/UIM is essential if:

• You live in a state with many uninsured drivers
• You want to protect yourself financially

PIP or MedPay is crucial if:

• You want medical bill protection regardless of fault

SR-22 coverage is necessary if:

• The state requires a filing for reinstatement

The Final Word On Loya Insurance Coverage Types 

Loya Auto Insurance coverage is designed to be simple, affordable, and accessible to drivers who need fast, straightforward insurance. While Loya does not offer the wide range of bells and whistles that national insurers do, it does provide all of the essential coverage types.

Loya’s main coverage includes liability, collision, comprehensive, medical payments, PIP, uninsured motorist, and SR-22. Their policies are easy to understand, easy to purchase, and designed for customers who want reliable protection without complicated systems or high premiums. Compare up to ten rates online and save hundreds with direct car insurance.