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.
Read moreKristen 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
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.
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
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.
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GoAuto Car Insurance
Average Monthly Rate For Good Drivers
$119A.M. Best Rating:
N/AComplaint Level:
Low- 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.
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.
MzKristel
Go Auto Does Not Honor Coverage
Kpal
THE WORST CUSTOMER SERVICE I HAVE EVER EXPERIENCED!
Jamica_Chisley
Go auto with the low ball offers
Kesha_
Beware!!!
Crackcorn58
Bad customer service
Walter_
Dont buy this insurance
walterj
Buyer beware
GoAuto
Don't Use this company.
walterj
GO AUTO BUYERS BEWARE NO GOOD
Twinn83
Frustrated customer