AAA vs. Loya Car Insurance (2025)
AAA vs. Loya car insurance comes down to which company will best fit your individual needs. Both companies offer various coverage options, discounts, and have mixed reviews in terms of customer service. Should you want to know what your rates will be, it's best if you request a quote in order to get an accurate estimate.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
UPDATED: Mar 31, 2023
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Mar 31, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Loya Car Insurance is known for its competitive rates, making it an attractive option for drivers who are looking to save money on their car insurance
- AAA offers a wide variety of car insurance in addition to its well-known roadside assistance
- Loya Car Insurance offers bilingual customer service, which can be helpful for customers who prefer to speak Spanish
Car insurance is an essential requirement for car owners, as it protects them financially in the event of an accident. Two of the most popular car insurance companies are AAA Car Insurance and Loya Car Insurance.
In this article, we will compare these two companies based on various parameters, including their history, products, services, discounts, and customer reviews. By the end of this article, you will be able to make an informed decision on which company to choose for your car insurance needs.
History of AAA vs. Loya Car Insurance
Loya Car Insurance was founded in 1974 in El Paso, Texas, with the mission to provide affordable car insurance to customers. Since then, the company has expanded to over 700 locations across the United States and has become one of the leading car insurance providers in the country.
Loya Car Insurance’s mission is to provide affordable car insurance to customers while delivering excellent customer service. With over 700 locations across the United States, Loya Car Insurance provides customers with a local presence that can be beneficial in the event of an accident or claim.
AAA was founded in 1902 in Chicago, IL, and has been providing car insurance and roadside assistance to the majority of the United States.
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AAA vs. Loya Car Insurance: Types of Coverage Offered
Loya Insurance offers a range of products and services, including liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. The cost of these services varies depending on the customer’s location, driving record, and other factors. Loya Insurance also offers additional services, such as roadside assistance and rental car coverage.
AAA also offers the most common types of car insurance. You can choose from liability, collision, comprehensive, and personal injury protection (PIP) coverage.
What car insurance discounts are available from AAA vs. Loya?
Loya Car Insurance offers a range of discounts to its customers, including:
- Safe driver discount: Customers who have a clean driving record may be eligible for a safe driver discount.
- Multi-car discount: Customers who insure multiple cars with Loya Car Insurance may be eligible for a multi-car discount.
- Homeowner discount: Customers who own a home may be eligible for a homeowner discount.
AAA offers discounts but they are going to differ based on where you’re located. Certain discounts will also have requirements in order for you to qualify. For example, if you want to qualify for a good student discount on your car insurance, you’re going to typically need a certain GPA average.
Customer Reviews for AAA vs. Loya Car Insurance
Loya Insurance has mixed customer reviews, with some customers praising the company for its low rates and excellent customer service, while others criticize the company for its slow claims processing and lack of transparency.
A customer review based on AAA and Loya when asked for a comparison: “Having tried both AAA and Loya Car Insurance, I can confidently say that AAA provides better coverage options and excellent customer service. Although Loya offers competitive rates, their claims process was more complicated, and their customer support wasn’t as responsive as AAA’s. With AAA, I always feel confident that I’m in good hands, and they go above and beyond to ensure my satisfaction. Overall, I highly recommend AAA for their comprehensive coverage and outstanding customer service.”
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AAA vs. Loya Car Insurance: In Conclusion
Which company you choose will depend on your individual preferences. Both Loya and AAA offer a wide variety of coverage options, and each has mixed reviews from customers. Ultimately your choice is going to be based on how much you want to pay, which company will provide better customer service, and whether AAA or Loya is offered in your state.
Frequently Asked Questions
What is the minimum coverage required by law in my state?
The minimum coverage required by law varies by state which is why it’s important to know how much coverage you’ll need to be protected on the road.
How do I file a claim with Loya Insurance or with AAA?
You can file a claim with Loya Insurance by calling the claims department or by visiting one of the company’s local offices. Similarly you can file a claim with AAA through the website or with an agent.
Can I get a quote online for AAA or Loya car insurance?
You can get a quote online by visiting the Loya Insurance website, and the same is true for AAA.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.