Fred Loya Insurance Review

Is Fred Loya Insurance right for you? Read our review to find details on their BBB rating, customer reviews, discounts, coverages, locations & job openings.

Fred Loya Insurance Review
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Quick Information

  • Name: Fred Loya Insurance, LP
  • Business Category: Insurance; Auto Insurance
  • Address: 1800 N. Lee Trevino, Suite 201, El Paso, TX 79936
  • BBB Rating: F (Not BBB Accredited)
  • Total number of complaints: 77 complaints closed in last 3 years; 11 complaints closed in last 12 months
  • Customer Reviews: 1.02/5 stars based on 104 customer reviews
  • Years in Business: 48
  • Number Of Locations: 800+
  • Number of Employees: 4,410
  • Alternate Business Name: Loya Insurance Group, Young America Insurance

Fred Loya Insurance


Areas of Operation

Fred Loya Insurance has over 800 physical locations and operates in 12 states: Alabama, Arizona, California, Colorado, Georgia, Illinois, Missouri, New Mexico, Nevada, Ohio, Texas, and Wisconsin.

(see complete list of cities below)

Types of Car Insurance Coverage Offered

  • Liability coverage (bodily injury and property damage)
  • Collision coverage
  • Comprehensive coverage
  • Personal injury protection (PIP)
  • Uninsured/underinsured motorist coverage (UM/UIM)
  • Rental reimbursement coverage
  • Roadside assistance coverage

It's important that you compare car insurance rates at least every 6 months to make sure you're paying a fair price. No one wants to pay more than they have to for coverage!

Auto Insurance Quote Requirements

To get a quote for auto insurance from Fred Loya Insurance, customers will need to provide their personal information, including their name, primary address, and date of birth, as well as information about their vehicle and driving history.

Their website also claims that there is no credit check involved in the quoting process.

Discounts Offered

  • Good driver
  • Homeowner
  • Multi-car
  • Prior Insurance

Claims Process

If a customer needs to file a claim, they can do so online or by calling the claims department. Once a claim is filed, a claims adjuster will be assigned to the case and will work with the customer to assess the damage and determine the appropriate payout.

SR-22 Insurance

Fred Loya Insurance offers SR-22 insurance, which is required in some states for drivers who have been convicted of certain driving offenses, such as driving under the influence or driving without insurance.

Spanish-Language Support

Fred Loya Insurance offers support in Spanish for customers who prefer to communicate in their native language. Their website and customer service representatives are bilingual.

BBB Top Complaint Issues

  1. Billing/Collections Issues
  2. Problems with Product/Service
  3. Customer Service Issues
  4. Claims Issues
  5. Advertising/Sales Issues
  6. Delivery Issues
  7. Refund or Exchange Issues
  8. Warranty Issues
  9. Contract Issues
  10. Service Issues
  11. Repair Issues
  12. Guarantee/Warranty Issues
  13. Selling Practices Issues
  14. Collection Practices Issues
  15. Billing/Collection Issues
  16. Deceptive Practices
  17. Credit Reporting Issues
  18. Sales Practice Issues
  19. Contract Disputes
  20. Failure to Honor Promises

Actual User Reviews & Responses

Review from Kara M

1 star


Fred loya is the worst insurance company I have ever dealt with. After 5 years of payments made on time I had one minor accident that I never received notification there was a claim on until 3 months later when I called to make my payment and they informed me that because of the claim they were dropping me as a customer the day my insurance was due so I had less than 24 hours to find another insurance provider. I would never recommend them to anyone.

Fred Loya Insurance, LP. Response


We are sorry your experience was less than satisfactory. We value you as a Customer and we invite you to please contact our Underwriting Department at 800-554-0595 to discuss the specifics of your policy and any concerns that you have regarding the specific non-renewal of your policy. Thank you for the opportunity to address your *** review.

Review from Austin L

1 star


This is by far the worst insurance company I have ever dealt with. A month and a half ago I was rear-ended by their insured. After weeks of back and forth with their office, I finally get an appointment set up in a body shop. They are not able to pay outright for a rental car and instead will send a check for the car rental. After seven business days, I get a check in the mail for $60. In what world does that pay for even a single day in the shop? Half of the customer service representatives I talk to are rude or just don’t care, and the nice ones claim the only ones who can help are managers. When I ask to speak with a manager, I am told they are all off work. Tell me how that is possible?!

Fred Loya Insurance, LP. Response


We are sorry that your claims experience was less than satisfactory. The policy of insurance issued by Loya Insurance Company outlines applicable coverage for Damage to your Auto and Liability owed to others, in the event of a covered loss. We invite you to please contact our Claims Office at 800-880-0472 in order to discuss any details of your claim. Thank you for the opportunity to address your *** review.

Note that these complaints are based on an aggregate of the 104 customer reviews on the BBB website, or are pulled directly from the BBB website verbatim, and are the opinion of the respective reviewers, which may not be accurate accounts or representative of all complaints filed against the company.

Want to save money on car insurance? Get rates as low as $27/mo using our service! Click here to see the car insurance companies offering the lowest rates in your city.

Fred Loya Locations


Birmingham, Huntsville, Mobile, Montgomery, Pelham, Tuscaloosa


Phoenix, Tucson


Bakersfield, Cathedral City, Chula Vista, Colton, Compton, Corona, El Cajon, El Monte, Fontana, Fresno, Garden Grove, Hawthorne, Hesperia, Indio, Inglewood, La Mesa, Lancaster, Long Beach, Los Angeles, Moreno Valley, National City, North Hollywood, Oxnard, Palmdale, Panorama City, Pasadena, Perris, Pomona, Riverside, Sacramento, San Bernardino, San Diego, San Jose, Santa Ana, Santa Barbara, Santa Maria, South Gate, Stockton, Sun City, Temecula, Torrance, Victorville, Vista, West Covina, Whittier, Wilmington, Yuba City


Colorado Springs, Denver, Thornton, Westminster


Atlanta, Dalton, Doraville, Forest Park, Lawrenceville, Norcross, Riverdale, Rome, Savannah, Stone Mountain, Tucker


Chicago, Joliet




Las Vegas, Reno

New Mexico

Albuquerque, Las Cruces, Roswell, Santa Fe


Cincinnati, Columbus, Dayton, Toledo


Oklahoma City, Tulsa


Abilene, Alamo, Alice, Allen, Alton, Amarillo, Angleton, Arlington, Austin, Balch Springs, Bay City, Baytown, Beaumont, Beeville, Bellmead, Belton, Big Spring, Boerne, Borger, Brownsville, Brownwood, Bryan, Buda, Burleson, Burnet, Caldwell, Cameron, Canyon Lake, Carrollton, Cedar Hill, Cedar Park, Channelview, Cleburne, Clute, College Station, Conroe, Corpus Christi, Corsicana, Crosby, Cuero, Cypress, Dalhart, Dallas, Del Rio, Denton, Donna, Eagle Pass, Edinburg, El Campo, El Paso, Elsa, Ennis, Euless, Fabens, Floresville, Fort Stockton, Fort Worth, Fredericksburg, Freeport, Friendswood, Gainesville, Galveston, Garland, Georgetown, Giddings, Gilmer, Graham, Granbury, Grand Prairie, Greenville, Hallettsville, Harker Heights, Harlingen, Hempstead, Hereford, Hidalgo, Hillsboro, Houston, Humble, Huntsville, Ingleside, Irving, Jacksonville, Jasper, Katy, Kaufman, Keller, Kemah, Kenedy, Kerrville, Kilgore, Killeen, Kingsville, La Grange, La Marque, La Porte, Lamesa, Laredo, League City, Levelland, Lewisville, Liberty, Livingston, Llano, Lockhart, Longview, Lubbock, Lufkin, Madisonville, Mansfield, Marble Falls, Marshall, McAllen, McKinney, Mercedes, Mesquite, Midland, Mission, Missouri City, Monahans, Mount Pleasant, Nacogdoches, Navasota, New Braunfels, Odessa, Orange, Palestine, Pampa, Paris, Pasadena, Pecos, Pflugerville, Pharr, Plainview, Plano, Port Arthur, Portland, Raymondville, Red Oak, Refugio, Richmond, Rio Grande City, Roanoke, Robstown, Rockport, Rockwall, Roma, Rosenberg, Round Rock, Rowlett, San Angelo, San Antonio, San Benito, San Juan, Snyder, Socorro, Spring, Stafford, Stephenville, Sulphur Springs, Sweetwater, Temple, Texarkana, Texas City, Tomball, Tyler, Universal City, Uvalde, Vernon, Victoria, Waco, Waxahachie, Weslaco, Wichita Falls, Willis, Wills Point, Wimberley, Woodville, Zapata

Available Job Openings At Fred Loya Insurance

Job Title City Job Listing
Insurance Agent El Paso, TX Job Listing
Customer Service Representative El Paso, TX Job Listing
Claims Adjuster El Paso, TX Job Listing
Branch Manager San Antonio, TX Job Listing
Insurance Sales Representative Las Vegas, NV Job Listing
Bilingual Customer Service Representative El Paso, TX Job Listing
Sales Manager El Paso, TX Job Listing
Assistant Branch Manager San Antonio, TX Job Listing
Underwriter El Paso, TX Job Listing
Claims Processor El Paso, TX Job Listing
Insurance Claims Examiner El Paso, TX Job Listing
HR Generalist El Paso, TX Job Listing
Senior Claims Adjuster El Paso, TX Job Listing
IT Support Specialist El Paso, TX Job Listing
Senior Underwriter Houston, TX Job Listing