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Fred Loya Insurance

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Fred Loya Insurance is an auto insurance company that started with a single storefront in El Paso, Texas in 1974 and now operates over 800 offices in 12 states.

Last updated September 15, 2026

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Overview

Fred Loya Insurance is an auto insurance company that began with a single storefront in El Paso, Texas in 1974. It provides car insurance coverage for every budget, with policies that can be issued the same day and no credit check required. The company has expanded to over 12 states, 800 offices and over 3500 employees, and has sold over 4.5 million policies. It offers multiple discounts such as prior insurance, homeowner, multi-car and good driver discounts, and coverage options including liability, comprehensive, collision, medical, personal injury protection, rental reimbursement and roadside assistance. Its local presence includes offices at Walmart Supercenters in 10 states and other retail locations, supporting its motto, "Where Being Local Matters."

History

Fred Loya Insurance started with a single storefront in El Paso, Texas in 1974. Its commitment to providing fast, dependable service and competitive rates for general auto insurance has made it one of the fastest growing auto insurance groups in America. The company has expanded to over 12 states, 800 offices and over 3500 employees, and has sold over 4.5 million policies. It maintains a local presence with agencies in superstores and food retail markets, including offices at Walmart Supercenters in 10 states.

Products and positioning

Affordable auto insurance with fast, dependable service and competitive rates; "Where Being Local Matters."

  • Liability car insurance

    Covers property damage and bodily injury if you cause a car accident.

  • Comprehensive car insurance

    Pays for vehicle repair and replacement costs in incidents other than a collision or accident, such as theft, vandalism, falling objects, fire, hail, windstorm, explosion, earthquake, water or lightning.

  • Collision car insurance

    Pays for vehicle repair if you get into an accident with another vehicle or a non-moving object, regardless of who caused the accident.

  • Medical car insurance

  • Personal Injury Protection

  • Rental Reimbursement

  • Roadside Assistance

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