Business Details
50+ Years
experience
Emergency
services
Trusted Auto Insurance Solutions for Every Driver
Founded in 1974, Fred Loya Insurance has grown from a single office in El Paso, Texas, to a trusted provider with over 800 offices across 12 states. Our commitment to delivering fast, dependable service and competitive rates has established us as one of the fastest-growing auto insurance groups in America. We prioritize accessibility by operating in superstores and food retail markets, ensuring a local presence in communities we serve. Our team of over 3,500 employees is dedicated to providing personalized solutions, supported by 24/7 roadside assistance and a streamlined claims process. With no credit check requirements and multiple discounts available, we make affordable coverage accessible to drivers of all backgrounds.Our expertise spans liability, comprehensive, collision, and specialty coverages, tailored to meet diverse customer needs. Recognized as a top provider in Texas by Market Watch (March 2021), we combine industry experience with a focus on integrity and community impact. Our legal and claims departments ensure efficient resolution of over 0+ claims monthly, backed by a network of local adjusters and appraisers. We remain guided by our founder Fred Loya Sr.'s philosophy that success is measured by both profitability and ethical responsibility. Today, we continue to innovate while upholding our motto: Where Being Local Matters.
Services
Liability Insurance
Comprehensive Coverage
Collision Protection
Medical Payments
Personal Injury Protection
Rental Reimbursement
Roadside Assistance
Details
- Year established: 1974
Highlights and features
- We've served drivers for over 40 years with localized expertise
- Our 800+ offices ensure convenient in-person service nationwide
- No credit check required for policy issuance
- 24/7 roadside assistance available to all policyholders
- Multiple discounts available including multi-car and good driver programs
What people say
Best insurance company I've been with
Saved over $438 annually
Great customer service
Quick policy issuance
Helpful local agents
Services
Liability Insurance
Liability insurance covers property damage and bodily injury expenses when you cause an accident. This includes repair costs for other vehicles and medical expenses for injured parties. Most states require this coverage to ensure financial responsibility for drivers.
Comprehensive Coverage
Comprehensive coverage protects against non-collision incidents like theft, vandalism, and natural disasters. It covers repair or replacement costs for your vehicle when damaged by events outside your control, including weather-related incidents and break-ins.
Collision Protection
Collision coverage pays for vehicle repairs after accidents involving other vehicles or objects. This protection applies regardless of fault and covers damage from collisions with stationary objects like trees or fences.
Medical Payments
Medical payments coverage handles healthcare costs for you and passengers after accidents. This includes emergency room visits, prescriptions, and dental treatments resulting from collisions, regardless of who caused the incident.
Roadside Assistance
24/7 roadside assistance provides towing, flat tire changes, fuel delivery, and lockout services. Available through our dedicated hotline at 1-855-548-5626, this service ensures quick help for vehicle breakdowns or emergencies.
People
Fred Loya Sr.
Founder
Established Fred Loya Insurance in 1974 with a commitment to integrity and community service. Under his leadership, the company expanded to 12 states while maintaining its core values of affordability and local presence.
Questions
What types of car insurance coverage do you offer?
We provide liability, comprehensive, collision, medical payments, personal injury protection, rental reimbursement, and 24/7 roadside assistance coverage options.
Do you require a credit check for policy issuance?
No credit check is required to obtain coverage through Fred Loya Insurance Group.
Are there discounts available for policyholders?
Yes, we offer multiple discounts including prior insurance, homeowner, multi-car, and good driver programs.
How can I file a claim?
File claims 24/7 by calling 1-800-880-0472 or through our website's online claims portal.
Do you offer roadside assistance?
Yes, all policies include 24/7 roadside assistance with towing, flat tire repair, and lockout services.
Where can I find local office locations?
We operate in 800+ offices across 12 states, including Walmart Supercenters and major grocery chains.
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