GoAuto Car Insurance Review in 2024

GoAuto Insurance prides itself on being a low-cost auto insurance company, which it does by foregoing commissioned third parties and selling policies directly to the consumer. GoAuto insurance offers barebones coverage with few options for add-ons. Its focus on simplicity and affordability has enabled this Louisiana-based insurance company to expand its offerings to include coverage across four states. Despite its commitment to excellent customer service, GoAuto has more customer complaints than companies that offer lower rates.

UPDATED: Oct 10, 2024Fact Checked

D. Gilson, PhD

Professor & Published Author

D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

Professor & Published Author

Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Licensed Insurance Agent

UPDATED: Oct 10, 2024

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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 company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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: Oct 10, 2024

Advertiser Disclosure

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 company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.

UPDATED: Oct 10, 2024Fact Checked
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GoAuto Car Insurance

Average Monthly Rate For Good Drivers

$119

A.M. Best Rating:

N/A

Complaint Level:

Low

Just the Basics

  • With a commitment to being a low-cost auto insurance company, GoAuto offers barebones coverage
  • GoAuto emphasizes simplicity, offering just the essentials, a few add-ons, and a handful of discounts
  • GoAuto promises to keep its rates low by foregoing commissioned agents and selling policies directly to the consumer 

Shopping for auto insurance can be an overwhelming and lengthy task. There are dozens, if not hundreds, of insurers who claim to offer the best rates and most comprehensive coverage. We strive to take the headache out of the comparison process by providing thorough and objective reviews of the various insurance companies across the nation. Here we’ve focused on GoAuto car insurance.

In the following guide, learn everything you need to know about GoAuto insurance to determine if it is the right company for your needs. GoAuto, which provides coverage to drivers in just a handful of states, prides itself on being a low-cost auto insurance company — a title it maintains by offering barebones coverage.

GoAuto Car Insurance Coverage

Since it was founded in 2009, it has been GoAuto’s mission to save its customers money and to provide excellent customer service. It believes in doing business locally, which explains its presence in just four states. It keeps its rates low by foregoing commissioned agents. Rather, it sells policies directly to the consumer. As a result, it does not have to pay its agents for making sales, which translates to lower rates for its customers.

Per its website, GoAuto does not try to sell its customers expensive add-ons. Rather, its agents will help you decide what coverage you need based on state laws, minimums, and driving habits and help you build out a policy from there. It prides itself on offering flexible plans that you can customize to fit your unique needs and budget.

Through GoAuto, you can purchase the most basic coverage to protect you, vehicle occupants, and other drivers in various situations. Though state laws dictate the types of car coverage you must purchase, the company offers the following:

  • Bodily Injury and Property Damage Liability. This is standard auto insurance coverage that covers the cost of vehicle repairs and medical expenses that arise from an accident you cause. All four states in which GoAuto operates require this coverage.
  • Personal Injury Protection. PIP covers lost wages, medical expenses, and funeral costs associated with an accident, regardless of who is at fault.
  • MedPay. As its name implies, medical payments coverage can help cover a portion of your medical bills that the other party’s insurance or your health insurance won’t cover.
  • Uninsured/Underinsured Motorist Coverage. UM/UIM steps in to pay your medical expenses and cover the cost of repairs if you get hit by an uninsured or underinsured motorist.
  • Collision Coverage. This type of coverage can help foot the cost of repairs to your vehicle, regardless of who was at fault for your accident.
  • Comprehensive Coverage. When vandals or environmental factors, such as fallen tree branches, cause damage to your car, the comprehensive coverage portion of your policy may kick in.

GoAuto insurance offers few add-ons, and what extras it does offer, it does not offer in all states. For instance, in Louisiana, you can request rental reimbursement and towing coverage. (For more information, read our “GoAuto Insurance Review“).

The company does offer “full coverage insurance.” Full coverage is not a specific policy but rather a policy you build yourself that includes coverage beyond the legal requirements. That usually includes comprehensive and collision coverage.

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GoAuto Insurance Costs

GoAuto prides itself on being a “low-cost” auto insurance carrier. However, while it does not list its rates on its website, a sample quote reveals that the rates are about average for the regions it serves. For instance, the costs to insure a 2015 Toyota Camry in New Orleans for a period of six months through GoAuto are as follows:

  • Full coverage paid in full: $1,736
  • Full coverage paid monthly: $1,916 total, or $319 monthly
  • Minimum coverage paid in full: $859
  • Minimum coverage paid monthly: $967, or $161 monthly

The national median price of full coverage is $1,381 annually. Of the 14 major providers, 11 offer lower annual rates than GoAuto does biannually. However, it is important to note that GoAuto’s headquarters is in Louisiana. Lousiana auto insurance rates are among the highest in the nation. When compared to the cost of coverage through other Louisiana insurance companies, GoAuto may be the best option.

What auto insurance discounts are available?

The Go Auto insurance website does not list any specific discounts that it offers. However, per customer reviews, it does offer discounts in unique situations. Examples of discounts you may be able to get through GoAuto are as follows:

  • Good driving history discount
  • Anti-theft device discount
  • Anti-lock brakes discount
  • Multiple vehicle discount
  • Discount for paying in full

GoAuto may also offer a military discount as well as a discount for switching from one insurance company to another.

What states does GoAuto offer coverage in?

GoAuto is a family-owned business that believes in doing business in the local communities it serves. Because of its values, it offers coverage in just a handful of states:

  • Louisiana
  • Texas
  • Nevada
  • Ohio

By remaining small, GoAuto insurance believes it can better serve its customers and keep costs low, as it promises.

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How To File a Car Insurance Claim with GoAuto

GoAuto offers three ways to submit a claim: by phone, online or via its app, which is available both on the App Store and through Google Play. To submit a claim by phone, call the Go Auto insurance phone number at 1-833-700-0000.

When submitting a claim, regardless of how you do it, you need the following information:

  • Your role in submitting the claim (insured, claimant, attorney representing the insured, etc.)
  • Contact information
  • Police report date, time, number, and details, if applicable
  • Policy number of the GoAuto insured party
  • First and last name on the GoAuto policy
  • Phone number, email address, address, and vehicle info of the GoAuto insured
  • The GoAuto insured’s vehicle passenger information
  • Contact information of the non-GoAuto member
  • Other vehicle passenger information
  • Additional party information
  • Injured party information
  • Witness information

Once you submit your claim, a GoAuto agent will contact you within two business days. After an agent gets in contact with you, the investigation process begins. This includes interviewing all involved parties — including witnesses — obtaining police reports, and inspecting all vehicles. Following the inspection, a GoAuto insurance adjuster makes a determination and, if applicable, issues a GoAuto insurance payment.

Does GoAuto offer any other types of insurance?

GoAuto does not offer other types of insurance coverage. As its name implies, it is strictly an auto insurance company.

GoAuto Customer Satisfaction

GoAuto has a customer rating of 2.5 and 3.5 stars, depending on which source you ask. It has more customer complaints than insurance companies that offer cheaper options. On Google Play Store, the GoAuto app has a 4.0 out of 5.0 rating. On the App Store, its rating is much lower, at 2.8 stars out of 5.0 stars.

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GoAuto Insurance: The Bottom Line

The Go Auto insurance company’s selling point is its ability to offer low-cost coverage by eliminating the middleman. It offers a little more than the basic coverage, including bodily injury and property damage liability, collision coverage, and personal injury protection. Though it does have add-ons, which extras it offers varies from state to state. The company has a strong commitment to remaining local, which enables it to offer in-person assistance in the four states it does serve.

For all that GoAuto promises to be, it is not the cheapest option out there, and nor is it the most practical for many drivers. That said, it does come with a few distinct advantages that other carriers cannot offer, such as simplicity and flexibility. If you’re in the market for a no-fuss insurance policy from a small, easily accessible company, GoAuto may be worth considering.

D. Gilson, PhD

Professor & Published Author

D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

Professor & Published Author

Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Licensed Insurance Agent

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.

Reviews
for Goauto

3.33 (62 reviews)
1
August 31, 2023

MzKristel

Go Auto Does Not Honor Coverage

I'm at a lost for words, I CAN NOT SAY ANYTHING NICE ABOUT THIS COMPANY! My husband and I have two vehicles and both covered under this crappy ins. After a year of having the policy and just before renewal; we've found ourselves needing to file a claim for vandalism on my Honda CRV. Aug 12 incident happens, Aug 17 intake call with ?'s, Aug 23 adjuster ?'s, Aug 30 fraud dept?'s.... We were victimized and had FULL coverage insurance and yet NO HEL...
I'm at a lost for words, I CAN NOT SAY ANYTHING NICE ABOUT THIS COMPANY! My husband and I have two vehicles and both covered under this crappy ins. After a year of having the policy and just before renewal; we've found ourselves needing to file a claim for vandalism on my Honda CRV. Aug 12 incident happens, Aug 17 intake call with ?'s, Aug 23 adjuster ?'s, Aug 30 fraud dept?'s.... We were victimized and had FULL coverage insurance and yet NO HELP FROM GO AUTO... They did not honor our coverage. IDK what to do now the damages prevents us from driving. We have car, insurance coverage and yet no help.
1
April 21, 2023

Kpal

THE WORST CUSTOMER SERVICE I HAVE EVER EXPERIENCED!

I recently called 4/3rd to update policy because I moved to Texas. My original bill date is the 13th of each month. So I needed to make sure I had a new policy by the 23rd. Agent [REDACTED NAME] told me that she would call me the next day to finalize, never did. Sent me a cancellation request form via email, I responded back following her instructions. Never replied. I emailed again asking to confirm she received my email (4/6th)….NEVER respond...
I recently called 4/3rd to update policy because I moved to Texas. My original bill date is the 13th of each month. So I needed to make sure I had a new policy by the 23rd. Agent [REDACTED NAME] told me that she would call me the next day to finalize, never did. Sent me a cancellation request form via email, I responded back following her instructions. Never replied. I emailed again asking to confirm she received my email (4/6th)….NEVER responded. I called on 4/18th after receiving a “LATE PAYMENT NOTICE” email! Wtf! Spoke to another agent who transferred me back to [REDACTED NAME]! [REDACTED NAME] proceeds to tell me that she did receive my emailSSSSS but didn’t do the cancellation because of DMV reasons. Idk, I’m not an agent. She sucks at actually explaining [REDACTED WORD]! She then tells me “I’m with a customer, I will call you back in 15 min”. That was all on April 18th, 2023. NEVER DID! Today, April 21st, and I had to call [REDACTED NAME] back. She then tells me “I’m off now but I answered because I know I need to assist you”. Wtf? Sis you was supposed to call me back 3 days ago. So she TRANSFERS me to the automated line to choose from the options. My insurance will be cancelled on the 23rd and will be fuckin reported as a failed payment, UNLESS I just pay another fuckin fee of $481 for the state of Louisiana when I live in Texas ! I’m cornered at this point cause I thought I did my part.
1
August 15, 2022

Jamica_Chisley

Go auto with the low ball offers

I had a wreck over a year ago. It was other drivers fault. We both had go auto insurance. Go auto offered me a $1500 settlement. Talking about a low ball offer. In I still havent got paid this wreck was July 2021. Consumers it would be best to go with other insurance companies because Go auto doesn’t want to pay out clams
1
February 7, 2022

Kesha_

Beware!!!

Worst insurance, increase the price when they want, worst customer service and the agents at the store...that is another story...
1
October 4, 2021

Crackcorn58

Bad customer service

had an accident not at fault on sept 17th field a claim no responce ..no call backs no rental been without a car ..next step to get a lawyer I guess today is 10/4/21 still not a word ..........
1
October 4, 2021

Walter_

Dont buy this insurance

Buyer beware, this company does not pay their claims. I've been waiting over a year and still nothing. My car was stolen and they investigated it they know it was stolen the police investigated it and they still procrastinating. Pure garbage that's why they're cheap. They hope you don't file a dam claim.
1
April 8, 2021

walterj

Buyer beware

I've been fighting this company for a year and they refuse to settle my claim. They will find ways to not pay you. May 31, 2020 I left home in Laplace to play a round of golf at New Orleans City Park. I was driving my 2015 Chevy Camaro. The game lasted approximately 31/2hrs. Leaving off 18hole stopped at the clubhouse had food and drinks with some friends. Left out approximately 7pm headed to the car and guess what, car is gone. Shocked and stu...
I've been fighting this company for a year and they refuse to settle my claim. They will find ways to not pay you. May 31, 2020 I left home in Laplace to play a round of golf at New Orleans City Park. I was driving my 2015 Chevy Camaro. The game lasted approximately 31/2hrs. Leaving off 18hole stopped at the clubhouse had food and drinks with some friends. Left out approximately 7pm headed to the car and guess what, car is gone. Shocked and stunned heart beating fast now I'm hoping it's a prank or something but to no avail. Looked around friends done hauled [REDACTED WORD]. Called NOPD took report. Now here is where it gets interesting people. I called GO AUTO, my insurance company to inform them, this was on a Sunday. So Monday I received a call from the adjuster. I gave them everything they asked for. From that point on they went to work on my character, attempting to say my car wasn't stolen and I staged the whole event. Matter of fact even Mr. [REDACTED NAME] who yall know as [REDACTED NAME] the Goauto man, says I wasn't even in New Orleans that day. Lol. Anyway they refused my claim and until this day I'm still fighting. No attorney but I'm still fighting. David vs Goliath. So for all of you who are thinking about getting cheap insurance or Goauto insurance? Buyer beware. You've been warned. I'm a gulf War veteran who survived Iraq and conveyed from Kuwait to Baghdad in a hummv with no armored plates I can deal with GOAUTO
1
March 1, 2021

GoAuto

Don't Use this company.

Save your money and don't waste your time with this company. They are only about money and couldn't care lass about the people people.
1
October 5, 2020

walterj

GO AUTO BUYERS BEWARE NO GOOD

Buyer beware i had my car stolen in may 2020 got police report did everything right. Claims department was very rude and hard to get hold of. Its now October and they have denied my claim i had to hire a lawyer to fight them. THEY DO NOT HONOR their claims. PLEASE BEWARE #SCAMMERS
1
July 28, 2020

Twinn83

Frustrated customer

My vehicle got vandalized a week ago. Nothing has happened. I still don’t have a rental or another vehicle to get back and fourth to work. The initial agent was rude and her supervisor isn’t much better. What’s the use of having full coverage and it’s treated like liability. I’ll never go to them or recommend them to anyone.
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