Companies ยท NAIC 11198
Loya Insurance Company: complaint record
Loya Insurance Company (NAIC company code 11198) appears in public complaint data from the insurance regulators in Texas, Indiana and Illinois. In Texas auto insurance in 2025, it had 209 confirmed complaints and 163,131 policies in force, a complaint index of 7.78 (more confirmed complaints than the market average for its size). In Indiana auto insurance in 2025, it had 1 complaint on $2,670,624 of premiums, a complaint index of 7.74.
Texas auto insurance
| Year | Complaint index | Confirmed complaints | Policies in force |
|---|---|---|---|
| 2025 | 7.78 | 209 | 163,131 |
| 2024 | 6.09 | 117 | 179,689 |
Compare with other auto insurers in Texas
Indiana auto insurance
| Year | Complaint index | Complaints | Indiana premiums |
|---|---|---|---|
| 2025 | 7.74 | 1 | $2,670,624 |
| 2024 | 21.49 | 2 | $1,978,766 |
| 2023 | Not listed (Indiana lists only companies with at least one complaint) | ||
| 2022 | Not listed (Indiana lists only companies with at least one complaint) | ||
See the full Indiana auto list for 2025
Other state regulators
Matched by the NAIC code Kansas prints, or by legal name after standard abbreviations are expanded, only when exactly one company matches. Each state measures complaints differently, so compare companies within a state, not across states. With one or two complaints an index or ratio can swing a lot.
| State | Line | Year | Filed as | Measure | Complaints | |
|---|---|---|---|---|---|---|
| Illinois | Auto | 2025 | Loya Insurance Company | 1.8218 complaints per $1M earned premium | 20 | Full list |
| Illinois | Auto | 2024 | Loya Insurance Company | 1.5439 complaints per $1M earned premium | 19 | Full list |
| Illinois | Auto | 2023 | Loya Insurance Company | 2.6282 complaints per $1M earned premium | 29 | Full list |
How to read the Texas complaint index
The Texas Department of Insurance divides a company's share of confirmed complaints for a line of insurance by its share of policies in force for that line. The average is 1.00. Below 1 means fewer confirmed complaints than average for the company's size, above 1 means more. For small companies one or two complaints can move the index a lot, so ranking tables here include only companies with at least 10,000 policies.
How to read the Indiana complaint index
The Indiana Department of Insurance divides a company's share of complaints by its share of Indiana premiums for the line. 1.00 is average, below 1 means fewer complaints than its size would suggest. Indiana lists only companies with at least one complaint and does not calculate an index (marked DNC) for companies with under $1 million of premiums.
How to read the Illinois complaint ratio
The Illinois Department of Insurance lists companies with 5 or more complaints in a line (3 or more for annuities in 2025). For auto and homeowners the ratio is complaints per $1 million of Illinois direct earned premium. For life and health it is complaints per 10,000 policies in force, and for annuities per 10,000 certificates in force. Illinois changed how it counts complaints in 2023 and says "caution should be exercised when comparing complaint counts to prior years".
Figures are for this legal company only. An insurance group may sell through several companies, each with its own record.
Sources
- Texas Department of Insurance, Complaint indexes and policy counts for insurance companies (dataset pa9u-9s9w), data.texas.gov
- Indiana Department of Insurance, Company Complaint Index (auto and homeowners, 2022 to 2025)
- Illinois Department of Insurance, Consumer Complaints Ratio Reports (2023 to 2025)
Checked 29 October 2026. Complaint records show only complaints filed with the regulator. They are one signal among many and do not rate claims handling, price or financial strength.