Loya Insurance Company basics
Loya Insurance Company is a regional auto insurer that operates in Texas, Oklahoma, New Mexico, and Kansas. The company specializes in coverage for drivers who have had accidents, violations, or lapses in insurance — the segment often called high-risk or non-standard auto insurance. If you're getting quotes from multiple insurers, Loya is one of the carriers that will actually quote you rather than decline outright.
Loya is a subsidiary of National General Holdings, a larger insurance group. The company has been operating since 1975 and is licensed to write auto insurance in its service states. It is not available nationwide, so whether you can get a quote depends on where you live and what your driving history looks like.
Key Takeaways
- Loya operates only in Texas, Oklahoma, New Mexico, and Kansas, so you can only get a quote if you live in one of those states.
- The company focuses on drivers with accidents, violations, or insurance lapses — people who may not may have access to for standard rates elsewhere.
- Loya quotes are typically higher than standard insurers but lower than some specialty high-risk carriers, depending on your driving record.
- You can request a quote online, by phone, or through an independent agent, and the process usually takes a few minutes to complete.
When Loya might quote you and when it won't
Loya will quote drivers with recent accidents, moving violations, DUI convictions, or previous insurance cancellations. If you've been declined by other insurers or quoted at very high rates, Loya is worth checking because it actively seeks this business. However, the company does have limits. Drivers with multiple DUIs, suspended licenses, or very recent major violations may still be declined or quoted at rates that reflect the risk.
The company also requires that you have a valid driver's license and a vehicle registered in one of its four states. If you're shopping for insurance in a state where Loya doesn't operate — California, Florida, New York, or most others — you won't be able to get a quote from them at all. Check the company's website or call to confirm your state is covered before spending time on an process.
How Loya's rates compare to other options
Loya's rates sit in the middle of the high-risk insurance market. They are typically higher than what you'd pay at a standard insurer like State Farm or GEICO if you had a clean driving record, but often lower than specialty carriers that focus exclusively on drivers with serious violations. The actual difference depends on your specific situation — the type and recency of your violations, your age, the vehicle you're insuring, and the coverage limits you choose.
The best way to understand where Loya fits for you is to get quotes from at least two or three other carriers in your state. If you're in Texas, compare Loya to Bristol West, Acceptance Insurance, and a standard carrier like State Farm. In Oklahoma, New Mexico, or Kansas, the available carriers vary, but the principle is the same: one quote tells you nothing; three or four quotes tell you where you actually stand. Loya's quote will show you whether the company is competitive for your risk profile or whether another carrier is offering better rates.
Getting a quote from Loya
You can request a quote through three channels: the Loya website directly, by phone at their customer service line, or through an independent insurance agent who represents Loya. The online quote tool is the fastest option and typically takes five to ten minutes. You'll need your driver's license number, vehicle identification number (VIN), and current coverage information if you're switching from another insurer.
When you get a quote, Loya will pull your driving record from the state motor vehicle department and check your insurance history through the Comprehensive Loss Underwriting Exchange (CLUE) database. This is standard practice across the industry. The quote you receive is usually valid for 30 to 60 days, depending on the state, so you have time to compare it with other carriers before deciding whether to bind coverage.
What coverage Loya offers
Loya offers the standard auto insurance products: liability (bodily injury and property damage), collision, comprehensive, uninsured motorist, and underinsured motorist coverage. Most states have minimum liability requirements, and Loya will quote you at or above those minimums. You can also add optional coverage like roadside information and rental reimbursement.
The company does not offer specialty products like gap insurance or new car replacement coverage through its standard policies, though some of these may be available through add-ons depending on your state. If you need specific coverage types, ask the agent or customer service representative what's available in your state before you finalize your quote.
Customer service and claims handling
Loya operates customer service during business hours by phone and online. The company also has a mobile app for managing your policy, viewing documents, and making payments. For claims, you can report an accident by phone, through the app, or online, and Loya will assign an adjuster to your case. The company does not operate 24/7 claims lines in all states, so check what's available in your area if you need after-hours reporting.
Customer satisfaction ratings for Loya vary. The National Association of Insurance Commissioners (NAIC) tracks complaint ratios by company, and Loya's complaint volume is higher than standard insurers but typical for the high-risk segment. This reflects the fact that high-risk customers file more claims and have more disputes about rates and coverage. If you choose Loya, read your policy documents carefully and understand what is and isn't covered before you need to file a claim.
Discounts and ways to lower your rate
Loya offers discounts for bundling auto and home insurance, paying your premium in full rather than monthly, maintaining continuous coverage without lapses, and completing a defensive driving course. The defensive driving discount is particularly relevant if you're in the high-risk category — completing an approved course can reduce your rate by 5 to 10 percent depending on your state and the course provider.
Some discounts are automatic; others require you to ask for them or provide proof (like a defensive driving certificate). When you get your quote, ask the agent which discounts you're already receiving and which ones you might be missing. Over the course of a year, bundling and a defensive driving discount can add up to meaningful savings, especially if you're already paying a higher base rate.
Frequently Asked Questions
Can I get a Loya quote if I have a suspended license?
No. Loya requires a valid, active driver's license to quote or bind coverage. If your license is suspended, you'll need to resolve that with your state's motor vehicle department first. Once your license is reinstated, you can explore for coverage.
Does Loya offer discounts for good driving after I've had violations?
Yes, through defensive driving courses and continuous coverage discounts. Loya also typically lowers your rate after a certain period without new violations — usually three to five years depending on the violation type. Ask your agent about your specific timeline.
What if I'm in a state where Loya doesn't operate?
You won't be able to get a quote from Loya. Look for other high-risk carriers licensed in your state, such as Bristol West, Acceptance Insurance, or Infinity Insurance. Your independent agent can help you find carriers that will quote you.
How long does it take to get coverage after I accept a Loya quote?
If you accept the quote online or by phone and pay the first premium, coverage can start the same day or the next business day. Loya will provide you with a proof of insurance document when ready so you can drive legally while your policy documents are being prepared.
Can I switch to Loya mid-policy from another insurer?
Yes. You can request a quote from Loya at any time and switch your coverage whenever you want. Make sure your new Loya policy is bound and active before you cancel your old insurance to avoid any gap in coverage.