Loya Casualty Insurance Company is a California-domiciled property and casualty insurer. The current California Department of Insurance profile lists NAIC #12589, California Company ID #4961-9, an authorization date of June 7, 2006, and license status UNLIMITED-NORMAL.
The same regulator lists the company in NAIC Group #3702 — Loya Group and shows Automobile, Disability, and Liability among its authorized lines of business. Those regulatory lines do not tell you which coverages are included on an individual auto policy; the declarations page and policy forms do that.
Current California Regulatory Profile
The California Department of Insurance currently lists Loya Casualty Insurance Company at 1800 Lee Trevino, Suite 201, El Paso, Texas 79936, with telephone number 1-800-880-0472. The profile identifies California as the company’s state of domicile, even though its listed office address is in El Paso, Texas.
The company profile also identifies Loya Group as NAIC Group #3702. For consumers, the regulatory profile is useful for confirming that the company name and NAIC number on a policy or claim document match the insurer you intend to verify.
Company identity and coverage are different questions: confirming NAIC #12589 identifies Loya Casualty Insurance Company, but it does not establish the limits, deductibles, exclusions, endorsements, or benefits on a particular policy.
Company History and Relationship to the Loya Group
California’s 2022 examination report states that Loya Casualty Insurance Company was incorporated in California on December 14, 2004 and received its California Certificate of Authority on June 7, 2006.
The examination describes Loya Casualty as part of the Loya insurance holding-company system. Its organizational chart identifies Loya Insurance Company as the parent company of Loya Casualty Insurance Company and shows other affiliated entities within the group, including Young America Insurance Company, Vision Insurance Company, and Fred Loya Insurance Agency.
What Business Did Loya Casualty Write?
The 2022 California examination report says that, as of December 31, 2022, Loya Casualty Insurance Company was licensed to transact automobile insurance business only in California. It wrote six-month policies centered on basic auto liability coverage and low-value automobile property-damage coverage through affiliated agencies.
The report says the company wrote approximately $163.8 million in direct premium in 2022. Of that amount, 55.4% was private-passenger automobile liability and 40.4% was private-passenger automobile physical damage. These are historical examination-period figures, not current quotes or coverage guarantees.
Current California Automobile Complaint Data
California’s current Automobile Complaint Composite Report includes Loya Casualty Insurance Company among the 50 large automobile insurers licensed to conduct business in the state. For complaint year 2025, the report lists approximately 213,756 earned exposures, 38 justified complaints, and a justified complaint ratio of 17.8.
The California Department of Insurance defines that ratio as the number of justified complaints per 100,000 earned exposures. The report places Loya Casualty at rank 45 of 50 for 2025. Complaint ratios are one consumer-comparison signal and should be read together with coverage, price, policy terms, and the insurer’s response to your specific needs.
Complaint data changes by year: use the current California Department of Insurance complaint composite rather than copying an older complaint count or relying on reviews from a different Loya-related entity.
How to Verify Loya Casualty on Your Policy
If your declarations page, insurance card, bill, or claim correspondence shows Loya Casualty Insurance Company, match the company name and NAIC number before assuming that information about another Loya-related insurer applies to your policy.
- Legal insurer name Check that the policy identifies Loya Casualty Insurance Company if that is the issuing insurer.
- NAIC number Compare the document with NAIC #12589 when the number is shown.
- Policy number Use the exact number shown on the declarations page or insurance card.
- Effective dates Confirm when coverage begins and ends.
- Drivers and vehicles Check listed and excluded drivers plus the correct vehicle information.
- Limits and deductibles Read the actual dollar limits and applicable deductibles.
- Endorsements Check any forms that add, remove, or modify coverage.
- Claims information Follow the claims instructions associated with the issued policy.
Coverage Belongs on the Policy, Not the Company Profile
A regulator’s company profile tells you who the insurer is. It does not tell you whether your policy includes collision, comprehensive, medical benefits, uninsured-motorist coverage, rental reimbursement, roadside assistance, or a particular liability limit.
For coverage questions, use the declarations page, policy forms, endorsements, and any applicable notices issued for your policy. Those documents show the limits, deductibles, physical-damage coverage, exclusions, and other terms that actually apply.
Questions to ask before relying on a policy
- Which legal insurance company issued the policy?
- What are the bodily-injury and property-damage liability limits?
- Are collision and comprehensive listed?
- What deductible applies to each physical-damage coverage?
- Which drivers are listed or excluded?
- What is the total premium and payment schedule?
- Which endorsements or exclusions change the base policy?
- Where and how should a claim be reported?
What the 2022 Examination Does—and Does Not—Tell You
A financial examination is a regulatory review of the insurer, not a consumer rating of an individual policy. California’s report reviewed the company’s financial condition, corporate governance, risks, controls, accounts, and statutory reporting for the examination period from 2018 through 2022.
The report says the company’s loss and loss-adjustment-expense reserves as of December 31, 2022 were found to be reasonably stated for examination purposes. It also made recommendations concerning an amended managing-general-agency agreement and annual-statement disclosures. Those findings should not be interpreted as a promise about a future claim or policy outcome.
Frequently Asked Questions About Loya Casualty Insurance Company
What is the NAIC number for Loya Casualty Insurance Company?
The California Department of Insurance currently lists NAIC #12589 for Loya Casualty Insurance Company.
Where is Loya Casualty Insurance Company domiciled?
The current California regulator profile lists California as the state of domicile. Its listed company address is 1800 Lee Trevino, Suite 201, El Paso, Texas 79936.
Is Loya Casualty part of the Loya insurance group?
Yes. The California profile places it in NAIC Group #3702, Loya Group, and the 2022 examination describes it as part of the Loya insurance holding-company system.
What lines of insurance is Loya Casualty authorized for in California?
The current California company profile lists Automobile, Disability, and Liability as authorized lines of business.
Does the company profile tell me what my auto policy covers?
No. Coverage is determined by the issued policy, declarations page, endorsements, limits, deductibles, exclusions, and applicable law.
Compare Auto Insurance Quotes by ZIP Code
If you are shopping for a different policy rather than verifying an existing Loya Casualty policy, enter your ZIP code to compare auto insurance quote options.
Compare the legal insurer, equivalent coverage limits, deductibles, total premium, and policy terms before choosing coverage.
Sources
This article prioritizes current California regulatory records and the most recent publicly filed California examination report available for Loya Casualty Insurance Company.
- California Department of Insurance — Loya Casualty Insurance Company Profile
- California Department of Insurance — Loya Casualty Insurance Company 2022 Examination Report
- California Department of Insurance — Automobile Complaint Composite Report
- National Association of Insurance Commissioners — Auto Insurance