Fred Loya

Fred Loya

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Overall Rating3.0 out of 5
See all 291 reviews

About Fred Loya

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Fred Loya offers auto insurance to customers in 10 states, mostly in the southern and western parts of the United States.

Pros & Cons


  • Full-service and proprietary offices where people regularly go
  • Claims program that allows you to get paid on the day of filing if all requirements are in order
  • Affordable rates for non-standard insurance
  • Agents required to settle physical damage claims within 24 hours
  • Coverage for drivers of high-powered sports cars, custom built cars and other specialized cars


  • Claims processing times can vary
  • Available only in 11 states

Bottom Line

Fred Loya is a Texas-based car insurance company that serves 11 western and southwestern states. It offers both standard and non-standard insurance regardless of driving record or credit standing. Customers appreciate their affordable rates.

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Fred Loya Reviews

ConsumerAffairs has collected 291 reviews and 135 ratings.

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Page 1 Reviews 0 - 10
Customer ServiceCoverage

Reviewed Sept. 21, 2023

So I was in an accident 7/20 from a oil slip and debris on the road, at first things were going smooth but now dealing with total loss has been nothing but a nightmare, Dpt 19 is the worst. No one returns calls. I have called my assigned adjuster, Priscilla ** and contacted her manager Anel ** and even her supervisor Marisco **. I have left countless calls and messages daily and have never received a call back. I even reported to the DOI in hopes they don’t keep doing this to other people. Only person to return my call is David from a total different department. All I know is I would never ever again fall for an ad on the radio. This has been the worst insurance I ever had. I will be going back to JSB as I never felt with this I rather pay the extra for a better experience!!! Also it’s is 9/21 a month later and still have not resolved my total loss. Go to JSB. They are so much faster!

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Reviewed Sept. 16, 2023

Fred Loya representatives stalled me for days on finalizing my quoted policy. After they got pictures of my vehicle, my id, my title and a voided check, then they informed me that they would not be able to provide coverage due to an accident I had earlier this year. At this point I’m just waiting for someone to come and steal my car out of my driveway because they have ALL the information they needed!

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    Customer ServiceClaims HandlingPrice

    Reviewed Sept. 10, 2023

    I do not recommend Fred Loya insurance. When we filed a claim, they took so long just to give us updates. We also had to hunt them down because they would not call us. They charge promptly for a bad service.

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    Customer ServiceSales & Marketing

    Reviewed Sept. 8, 2023

    After going online and giving all my information I ended up getting much better rates with a competitor. Then for the next 3 months I received non-stop spam phone calls and emails from companies that were sold my info from the Fred Loya website.

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    Customer ServiceStaff

    Reviewed Aug. 26, 2023

    Today I went to Fred Loya Insurance at the 5503 Van Buren location in Riverside California. The 2 reps ** and ** were sarcastic, rude and unprofessional. I asked that they remove the roadside service that I did not request. They asked if I had other roadside assistance which I don't believe is any of their business. Because of their attitudes I asked to speak to a manager which they stated he was at lunch.

    I waited for ** for 30 min at which at this point he stated that he could not remove the roadside service unless I showed them my AAA card. So after I provided my card he said that in the state of California Roadside assistance is mandatory. I said I never heard of that, he said just because you never heard of it doesn't mean it doesn't exist. Well I looked this up and this is not true. Roadside assistance through insurance companies is optional and not mandatory through the government. Fred Loya Insurance is committing fraud by adding services you are not requesting.

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    Reviewed Aug. 12, 2023

    I was rear ended by a ** male. It's weird - at 99 Market 3 ** with similar gold chain were in the store 30 minutes before wreck. Unsure if they're related. Nonetheless, the kid, around 18 extremely nice, didn't report accident. A ** person hit me head on 2 years ago. After 2 ** were ahead of me prior to wreck. I wonder if races had learned to double down on ** folks. ...

    Nonetheless like all the other posts, Fred Loya cannot make a decision. Stall tactics on payouts. Fred Loya has revenues of 500 million. Barely a mid market account and now acting like divine regulators. Can Mexico enforce divine law? Or a **? Nonetheless USA is appearing more religious with a double side. I hope you guys know what sins you're combining with USA territory. Last I checked ** are ** also ** also **also. But this is business with MAFIA UNDERTONES. UNCOOL AND UNEDUCATED.

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    Customer ServiceCoverageSales & Marketing

    Reviewed July 13, 2023

    Horrible, horrible, horrible insurance. They fit really close to a scam artist. My mom is actually dealing with a not-at-fault case for a few months and has had to hunt them down for service of her damaged car. In the meantime has been forced to drive it. No! They won't answer the phone and will drag payments as long as possible. My poor mother had to pay for her rental after they gave her a check for $75 to cover rental charges while her car is being repaired. I do not recommend Fred Loya Insurance to anyone. Trust me. I've know good insurance coverage for over 30 years. Fred Loya has failed to prove it.

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    Customer Service

    Reviewed July 12, 2023

    A Fred Loya customer caused an accident and was cited. From day 1 Fred Loya wouldn’t respond and when they did they were threatening and very disrespectful. Took months to get my totaled vehicle paid off and they never paid for my lost wages and told me I could have got another job (my car was used for work). Beware of this company, bad customer service, slow to move, won’t respond until you call many times. If dealing with this company get a lawyer to save yourself a year of heartache.

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    Customer Service

    Reviewed July 7, 2023

    In my opinion Fred Loya is the worst company to deal with. I was in a accident with one of their customers. Their customer was found to be at fault. At first they told me my vehicle was a total lost then after picking up my vehicle they determined it was fixable. Copart was supposed to take my vehicle to a service center for repairs. After waiting a week thinking my vehicle is being repaired, I call the service center only to be told my vehicle is not there and that they do not and refuse to work with Fred Loya. It took another week to get back in touch with anyone at Fred Loya. In the end I finally had to go through my own insurance to get my vehicle repaired. All of the service centers I spoke with refused to do service with Fred Loya. TERRIBLE CUSTOMER SERVICE.

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    Customer ServiceCoverage

    Reviewed June 23, 2023

    Let me tell you this Fred Loya is the best insurance you can have. Lemmie tell you why...I had been insured with them I had liability coverage 15000 dollars what the policy limit..I got into a head on collision well texting on my phone...Ran a red light all my fault and I admit that from the start of it...If you looked at the cars you would have thought everyone had died thankfully we all walked away I am sorry for what I did...Now it took 2 and a half years to settle the Civil case against me, the other side got a scum bag lawyer like you see on TV. Grab and Durango you're dirt bags..They played dirty. They thought they won the lottery and were going for blood...

    I was no longer insured by Fred but for 2 and a half years they stuck by me and defended me. (Shout out to my lawyer Gail) 2 and a half years she fought a case I admitted I was at fault for. They were trying to sue me for 500,000. My insurance covered 15,000. If we lost it was 500000 plus lawyer fees and expert fees, medical costs, the work and they were gonna milk every cent...and I had admitted guilt already...Well fred will be there for you no matter what. Even if you are no longer with him. They keep their word and have your back...

    I lost that battle and they paid well way more than 15,000 dollars. I never saw a charge and I'm actually sad he won't cover me anymore but I understand why. I mean he paid 490,000 over my coverage limit and I pay one cent. Get fred loya. When ship hits the fan everyone's is gonna run, you'll be all by yourself...It's scary....But fred doesn't run. I promise you that. GET IT. YOU WON'T REGRET IT. BEST 35 BUCKS A MONTH I EVER SPENT....FRED I LOVE YOU!!!!

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    Fred Loya Company Information

    Company Name:
    Fred Loya