I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Mar 31, 2022

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Here's the Scoop

  • Fred Loya Insurance provides coverage to 11 states
  • Drivers can’t file a claim or get a quote through the Fred Loya website
  • You can obtain SR-22 insurance through Fred Loya

Drivers on a budget will be happy to learn that getting good coverage at a cheap rate is possible. Companies like Fred Loya Insurance can get you the coverage you need to stay protected without worrying about breaking the bank. Keep reading this Fred Loya Insurance review to learn more about this company’s coverages and discover if Fred Loya Insurance is the right choice for you.

What is Fred Loya Insurance?

The Fred Loya insurance company is part of the Loya Insurance Group, founded in 1974 by Fred Loya. Fred Loya Jr. is the current CEO. This company caters to high-risk drivers and provides insurance coverage in 11 states, including:

  • Alabama
  • Arizona
  • California
  • Colorado
  • Georgia
  • Illinois
  • Indiana
  • Nevada
  • New Mexico
  • Ohio
  • Texas

If you live outside of Fred Loya’s coverage area, you can shop online to find a local insurance company to get you the coverage you need.

Enter your ZIP code below to view companies that have cheap insurance rates.

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What online features does Fred Loya Insurance offer?

If you want to purchase insurance through Fred Loya, you’ll need to contact one of the company’s agents since you can’t get a quote online. Instead, you can call 1-800-444-4040 for a free quote. However, the Fred Loya website offers a client login portal and an online payment tool.

What coverages does Fred Loya Insurance provide?

Fred Loya offers traditional coverage that can keep you street-legal and protected on the road. You can review the coverages provided by this insurance company here:

Fred Loya Car Insurance Coverages

Auto Insurance TypesPurpose of Coverage
Bodily injury liabilityPays for medical bills if someone else suffers an injury in an accident caused by you.
Property damage liabilityLiability coverage that covers the cost of any property damage you’ve caused in an accident.
CollisionCovers damage to your car after an accident.
ComprehensiveCovers damage to your car when you’re not driving.
Personal injury protectionCovers medical expenses for you and your passengers after an accident.
Uninsured/underinsured motoristCovers the costs if you’re in an accident caused by a driver will little or no car insurance.
Medical paymentsCovers medical costs caused by an accident regardless of who is at fault.
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In addition to the above coverages, you can also purchase rental car coverage. Unfortunately, roadside assistance with Fred Loya is unavailable, which is surprising since most car insurance companies offer this coverage. Drivers who need to reinstate their licenses can obtain SR-22 insurance through this company.

Are Fred Loya Insurance rates affordable?

Since every insurance company takes a different approach to the underwriting process, you can use the chart below to examine how Fred Loya’s full coverage rates compare to other major insurance companies:

Fred Loya Average Annual Full Coverage Car Insurance Rates vs. Other Companies Based on Driving Record

CompanyAverage Annual Rates With a Clean RecordAverage Annual Rates With One AccidentAverage Annual Increase After an Accident
Fred Loya$979$1,21524%
State Farm$1,313$1,53217%
GEICO$2,140$3,31255%
Allstate$4,496$7,11058%
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On average, Fred Loya rates are cheaper than other insurance companies, but remember that rates vary from driver to driver. Your rate can fluctuate based on your coverage types, vehicle age, and credit score. Other factors that influence rates include your age and address.

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Does Fred Loya Insurance offer discounts?

The Fred Loya website advertises that discounts are available but shares no information about those discounts. You can use the chart below to review discounts offered by other insurance companies, so when you begin shopping for a new insurance policy, you can ensure that you aren’t missing out on any money-saving opportunities:

Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Adaptive Cruise Controlxxxx
Adaptive Headlightsxxxxxxxx
Anti-lock Brakesxxxxxxxxxxxxxxxxxxxxxx
Anti-Theftxxxxxxxxxxxxxxxxxxxxxx
Claim Freexxxxxxxxxxxxxxxxxxxxxx
Continuous Coveragexxxxxxxxxxxxxxx
Daytime Running Lightsxxxxxxxxxxxxxxxxxx
Defensive Driverxxxxxxxxxxxxxxxxxxxxxx
Distant Studentxxxxxxxxxxxxxxx
Driver's Edxxxxxxxxxxxxxxxxxxxx
Driving Device/Appxxxxxxxxxxxxx
Early Signingxxxxxxxxxxxxxx
Electronic Stability Controlxxxxxxxxx
Emergency Deploymentx
Engaged Couplex
Family Legacyxxxxxx
Family Planxxxxx
Farm Vehiclexxxx
Fast 5x
Federal Employeexxxx
Forward Collision Warningxxxxxxx
Full Paymentxxxxxxxxxxxxxxxxx
Further Educationxxxxxxxxx
Garaging/Storingxxxxxx
Good Creditxxxx
Good Studentxxxxxxxxxxxxxxxxxxxxxx
Green Vehiclexxxxxxx
Homeownerxxxxxxxxxxxxxxxxxx
Lane Departure Warningxxxx
Life Insurancexx
Low Mileagexxxxxxxxxxxxxxxxxxx
Loyaltyxxxxxxxxxxxx
Marriedxxxxxxxxxxxxxx
Membership/Groupxxxxxxxxxxx
Militaryxxxxxxxxxx
Military Garagingx
Multiple Driversxx
Multiple Policiesxxxxxxxxxxxxxxxxxxxxx
Multiple Vehiclesxxxxxxxxxxxxxxxxxxxxx
New Addressx
New Customer/New Planxxx
New Graduatex
Newer Vehiclexxxxxxxxxxxxxxxx
Newly Licensedx
Newlywedsx
Non-Smoker/Non-Drinkerx
Occasional Operatorx
Occupationxxxxxxxxxxxx
On Time Paymentsxxxx
Online Shopperxx
Paperless Documentsxxxxxxxx
Paperless/Auto Billingxxxxxxxxxxxxxxxxx
Passive Restraintxxxxxxxxxxxxxxxxxxxxxx
Recent Retireesxx
Renterxxx
Roadside Assistancexx
Safe Driverxxxxxxxxxxxxxxxxxxx
Seat Belt Usex
Senior Driverxxxxxxxxx
Stable Residencexxxx
Students & Alumnixxxxxx
Switching Providerxxxxxxxxxxx
Utility Vehiclexxxx
Vehicle Recoveryxxxxxxxxxxxxxxxxxxxxx
VIN Etchingxxxxxxxxxx
Volunteerx
Young Driverxxxxxx
Total Discounts Provided21212927182726343431383835362230192022382828
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Shopping online is the most efficient way to shop for car insurance because you can compare quotes to find out which companies offer the best rates, discounts, and coverage.

Is it easy to file a claim with Fred Loya Insurance?

Particularly in the technological age, it’s surprising that you can’t file a claim via the Fred Loya Insurance website. Instead, you’ll need to call 800-880-0472 between Monday and Saturday. Once you’ve alerted the company of your claim, you’ll need to wait for Fred Loya Insurance to mail you documents to fill out and send back. Only after the company has received that paperwork will an adjuster reach out to you.

What You Need to Know About Fred Loya Insurance

High-risk drivers can get the coverage they need at cheap rates through Fred Loya Insurance. While Fred Loya Insurance provides cheap insurance, its other client amenities are lacking. Drivers can’t file a claim online or get roadside assistance, which many other insurance companies offer. If you don’t think Fred Loya Insurance is the right fit for you, you can shop online to find a company that better suits your needs.