Fred Loya Insurance Overview and Key Takeaways
Fred Loya Insurance is a specialist provider offering high-risk drivers the lowest legal amount of insurance cover. Owned and operated by the EP Loya Group, a Texas-based insurance provider, Fred Loya Insurance is marketed under several names including Loya Insurance Company, National Insurance, and Rodney D Young.
- Auto insurance for drivers unable to obtain cover elsewhere
- Large volume of complaints to state regulators
- Claim filing not always available
[star rating = “2.0”]
Fred Loya Insurance: Services
Fred Loya provides minimum insurance coverage. All policies come with liability, but everything else you want needs to be bundled.
Extra coverage could include:
- Gap coverage: If you crash your car and your collision damage doesn’t pay out enough, Fred Loya meets the difference with gap coverage
- Physical damage coverage: This add-on offers coverage against all damage from floods, collision, vandalism, or any other damage to your vehicle
- Rental reimbursement: Covers the cost of a rental car while your vehicle is in the shop
Fred Loya policies can typically be issued with no need for a credit check. SR-22 forms might be available.
You can’t get a quote online.

Fred Loya Insurance: Discounts
Discounts for auto insurance with Fred Loya include:
- Air bags
- Alcohol and drug awareness course
- Anti-theft devices
- Defensive driving course
- Driver’s education course
- Multiple cars
Fred Loya Insurance: Legal Issues
Loya Insurance Group has far more complaints made against it to state regulators than you would expect for a company of this size.
Most complaints over the past 3 years involved:
- Unsatisfactory offers and settlements
- Delays handling claims
- Claims being denied
The company has also faced a number of legal issues.
In 2012, Lota Insurance Group was fined $300,000 for conducting deceptive advertising campaign, and for charging excessive premiums.
In 2018, the company was found in violation of the law for failing to refund premiums in a timely fashion when policies were cancelled along with a range of other regulatory violations.
It would be a good idea to go check their BBB Complaints and other review websites before doing business with this company.
Fred Loya Insurance: What Else?
The company website is sparse. While you can access your policy online as an existing customer, that’s about all you can do. You cannot obtain a quote online.
Claims must be filed over the phone during office hours.
Coverage is limited to a handful of states.
Fred Loya Insurance: Pros and Cons
Pros
- Policies for high-risk drivers
- Complimentary rental rides
Cons
- The high number of complaints and legal issues
- Limited options for online account management
- Confusing language in policy documents
- Claim filing no available 24/7
Compare Fred Loya Insurance
Clearone Advantage, Credit Associates, Credit 9, Americor Funding, Tripoint Lending, Lendvia, Simple Path Financial, New Start Capital, Point Break Financial, Sagemore Financial, Money Ladder, Advantage Preferred Financial, LoanQuo, Apply.Credit9, MobilendFred Loya Insurance
Fred Loya Insurance Review
Fred Loya Insurance is a specialist provider offering high-risk drivers the lowest legal amount of insurance cover. Owned and operated by the EP Loya Group, a Texas-based insurance provider, Fred Loya Insurance is marketed under several names including Loya Insurance Company, National Insurance, and Rodney D Young.