Fred Loya Insurance

Fred Loya Insurance is a family-owned auto insurance provider that has operated since 1974, when Fred Loya opened the company’s first storefront in El Paso, Texas. Over the past five decades, the company has grown from a single location into one of the nation’s largest Hispanic-owned insurance businesses. As of November 2025, Fred Loya Insurance operates 526 corporately owned agencies across multiple states, with a strong presence in the Southwest and West Coast and an expanding footprint in the Midwest and Southeast.

The company specializes exclusively in auto insurance, offering a range of coverage options designed for high-risk and underserved drivers. Its approach centers on in-person service through local agents, with all locations corporately owned rather than franchised. This model allows Fred Loya Insurance to maintain consistent branding and operations across its network.

A significant milestone in the company’s recent history is its continued expansion into new markets. Over the last five years, Fred Loya Insurance has secured licensing in three additional states and is preparing to enter Ohio, reflecting an aggressive growth posture. The company targets high-traffic retail corridors and grocery-anchored centers, especially in urban and suburban areas that have historically been underserved by traditional insurance providers.

Fred Loya Insurance agencies are commonly found in shopping centers, on street corners, and within grocery stores, making the brand accessible to a broad customer base. This retail-focused strategy has helped the company build a large and visible footprint, particularly in areas with diverse populations. While customer service ratings have been below the industry average, Fred Loya Insurance continues to demonstrate stability and growth, supported by family ownership under the Loya Insurance Group.

For landlords, brokers, and developers, Fred Loya Insurance represents a stable, multi-state tenant with a proven record of expansion and a preference for locations that drive consistent foot traffic. The company’s ongoing growth, particularly in the Midwest and Southeast, signals continued demand for retail-adjacent sites and a commitment to serving communities that benefit from accessible, affordable auto insurance.