GoAuto Insurance Company Review [2024]
Delve into the comprehensive review of GoAuto Insurance Company, focusing on its dedication to providing budget-friendly coverage in select states such as Louisiana, Nevada, Ohio, and Texas, emphasizing minimal policies and discount incentives for cost-conscious policyholders.
Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider 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 insurance providers please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider 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 insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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GoAuto Insurance Company
Average Monthly Rate For Good Drivers
$119A.M. Best Rating:
N/AComplaint Level:
LowPros
- Quote options on the company website and mobile app
- Claims filing options on the company website and mobile app
- A website in Spanish and Spanish-speaking representatives
- Physical locations for assistance
- Popular mobile app
- User-friendly company website
Cons
- Policies are only available in Louisiana, Nevada, Ohio, and Texas
- Little transparency concerning coverage on the company website
- More than the average number of complaints for a company of its size
- Few positive ratings and reviews online
- No financial strength rating with A.M. Best
GoAuto Insurance Company offers car insurance coverage in Louisiana, Nevada, Ohio, and Texas. If you live in one of these states, you may find that GoAuto offers competitive prices for coverage in your area.
GoAuto does not offer add-on coverages, like roadside assistance, new car replacement, or gap insurance. Still, GoAuto could be a great company if you are looking for minimum coverage that helps you save money in monthly or annual premiums.
Before you purchase an auto insurance policy with GoAuto, you compare quotes from multiple insurance companies. When you do, you’re more likely to find the best auto insurance rates in your area.
What You Should Know About GoAuto
GoAuto Insurance Company offers auto insurance policies in Louisiana, Nevada, Ohio, and Texas. The company is known for offering no-frills car insurance coverage to people searching for simple policies that meet their state’s requirements. If you want a liability-only policy, GoAuto may be a good option.
Some people want a minimum coverage policy to save money on auto insurance. Others may need cheap coverage and have a difficult time finding it because they’re high-risk drivers in need of non-standard vs. standard auto insurance. GoAuto may be able to help you if you have infractions on your driving record or poor credit.
Still, the company does not offer add-on coverage options, and the GoAuto website offers little information concerning what you can purchase for auto insurance. Additionally, the company has more than the average number of customer complaints for a company of its size.
Before you commit to buying auto insurance, read our GoAuto auto insurance review to learn more about the company.
We also recommend finding and comparing quotes from multiple auto insurance providers in your state. Doing so will help you avoid paying too much for coverage, and you may also find a company that offers what you’re looking for in terms of coverage options.
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GoAuto Insurance Company Breakdown
GoAuto is based in Baton Rouge and has provided auto insurance coverage for over 10 years. The company offers car insurance coverage in Louisiana, Nevada, Ohio, and Texas.
Unfortunately, GoAuto only offers auto insurance policies. So, if you’re looking for one insurance company to cover your home, car, and other needs, you will need to look elsewhere for coverage.
GoAuto is the eighth-largest insurance provider in Louisiana, suggesting that it has a sound financial background and a positive outlook for future endeavors. Still, GoAuto does not have a financial strength rating with A.M. Best, which may stop certain individuals from purchasing a policy with the company.
What are the pros of a GoAuto Insurance Company policy?
If you purchase auto insurance with GoAuto, you’ll notice several benefits to your policy. Some of the most common benefits include:
- Quote options on the company website and mobile app
- Claims filing options on the company website and mobile app
- A website in Spanish and Spanish-speaking representatives
- Physical locations for assistance
- Popular mobile app
- User-friendly company website
Anyone searching for car insurance knows how difficult it can be to get a quote from certain companies. With GoAuto, you can get quotes for coverage on the company website or by downloading the GoAuto mobile app.
However, you may still have to speak with a GoAuto representative to assess your auto insurance needs or when filing a claim. Some insurance companies operate fully online, and this can be difficult when you want to see someone in-person to drop off a check or ask a few questions.
Fortunately, GoAuto still has several offices in Louisiana, Nevada, Ohio, and Texas, allowing policyholders to drop in if they need assistance. GoAuto also has Spanish-speaking employees and representatives in many of its brick-and-mortar locations.
The GoAuto mobile app is popular and highly rated, and customers appreciate its functionality and user-friendly nature. If you enjoy using your smartphone to do many of your tasks, GoAuto’s mobile app may be appealing. For example, the app allows you to get quotes, file a claim, access policy information, request assistance, and more.
Along with the app, GoAuto has a helpful and user-friendly company website. Customers appreciate that the GoAuto website allows them to file claims, get quotes, check the status of their claims, and contact a GoAuto representative if and when they have questions. Both the GoAuto website and mobile app are available in English and Spanish to meet your customer service needs.
What are the cons of a GoAuto insurance policy?
While there are many benefits to buying car insurance with GoAuto, there are also many downsides. Some of the most common disadvantages to having car insurance with GoAuto include:
- Policies are only available in Louisiana, Nevada, Ohio, and Texas
- Little transparency concerning coverage on the company website
- More than the average number of complaints for a company of its size
- Few positive ratings and reviews online
- No financial strength rating with A.M. Best
If you do not live in Louisiana, Nevada, Ohio, or Texas, GoAuto is not an option for auto insurance. In addition, because the company is relatively small, its lack of availability is a significant disadvantage compared to bigger companies like Geico, State Farm, and Allstate.
Additionally, GoAuto does not offer much information regarding auto insurance coverage on its website. If you know the types of coverage you’re looking for, you may want to speak with a GoAuto insurance agent to learn whether the company offers it. Beyond liability coverage, GoAuto may not have many add-on options to help you customize your policy.
GoAuto Insurance Coverage Options
GoAuto offers the basic options for car insurance coverage that most insurance companies offer, including:
- Bodily injury liability. Bodily injury coverage protects you if you’re in an accident and cause damage or injury to one or more people.
- Property damage liability. Property damage liability protects you if you’re in an accident and cause damage to one or more vehicles or other pieces of property.
- Personal injury protection (PIP). PIP helps cover medical bills and lost wages.
- Medical Payments (MedPay). MedPay covers medical bills and visits to the doctor.
- Uninsured/underinsured motorist coverage. Uninsured/underinsured motorist coverage pays for damage to your vehicle someone else caused if they do not have proper insurance.
- Collision insurance coverage. Collision coverage pays for damage caused to your vehicle in a covered accident.
- Comprehensive insurance. Comprehensive coverage pays for damage to your vehicle by something other than an accident, like wild animals, inclement weather, theft, or vandalism.
You are required to carry property damage and bodily injury liability in virtually every state, and some states also require PIP, MedPay, and uninsured/underinsured motorist coverage. Check with your local department of motor vehicles if you’re unsure what you’re supposed to have regarding car insurance coverage.
GoAuto does not offer add-on coverage options, so you cannot purchase GoAuto roadside assistance. Still, you can purchase GoAuto full coverage at an affordable rate.
Why should I buy full coverage car insurance?
Before you purchase full coverage car insurance, it’s important to know the difference between comprehensive and collision auto insurance coverage:
- Collision insurance. Pays for repairs to your vehicle if you’re at fault in an accident and your vehicle is damaged.
- Comprehensive insurance. Pays for repairs to your vehicle if it is damaged by something other than an accident, like inclement weather, wild animals, theft, or vandalism.
A full coverage policy can cost more than double what you’ll pay for minimum coverage on your vehicle. Still, if you have a relatively new vehicle, an expensive vehicle, or drive a lot for work, full coverage could help you save money if you’re ever in an accident.
People with a loan or lease on their vehicle may be required to carry full coverage for added protection. If you own your car and have paid it off, full coverage could still help you if repairs to your vehicle would be expensive. It’s a good idea to consider purchasing a full coverage policy and get quotes on full coverage before automatically choosing a liability-only policy.
GoAuto Insurance Rates Breakdown
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| Driver Profile | GoAuto Insurance Company | National Average |
|---|---|---|
| Clean Record | $132 | $119 |
| 1+ Ticket | $158 | $147 |
| 1+ Accident | $179 | $173 |
| DUI | $220 | $209 |
| Poor Credit | $227 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
According to the national averages, GoAuto minimum coverage is not as cheap as it may be with other companies. GoAuto offers competitive prices for full coverage in Louisiana, Nevada, Ohio, and Texas, but you should compare your GoAuto quote with other insurance companies to see which offers the coverage you want at a price that works for you.
If you have a clean driving record, good credit, and are in your 30s or older, you may find that GoAuto offers extremely competitive car insurance rates. You may find cheaper rates with companies like Geico and State Farm, but you will have to compare auto insurance quotes before you know for sure.
Why do auto insurance rates fluctuate?
It can be difficult to understand why car insurance rates fluctuate from one company to another. Most companies consider similar factors when determining a person’s auto insurance rates. These factors include:
- Age
- Gender
- Marital status
- ZIP code
- Driving history
- Credit score
- Coverage type
Some companies may pay more attention to your age, while others pay more attention to your credit score. Because of this, your rates with one company may be lower than with another. For example, if you have a clean driving record and are in your mid-30s but have poor credit, you may find that some companies charge much more because they see you as a risk.
Other companies, however, may not use your credit score as a factor, allowing you to get cheaper auto insurance rates. Because companies may take vastly different approaches when determining your car insurance rates, it’s important to find and compare quotes from multiple companies, so you don’t pay too much for your coverage.
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How much is GoAuto insurance?
The cost of car insurance coverage varies from one company to another for several reasons. As you search for auto insurance, you’ll find that some companies offer affordable quotes while others charge much more for coverage.
GoAuto claims to offer low-cost car insurance. The company says it can keep its rates down by offering a no-frills approach to coverage and not paying commission fees to auto insurance agents. Still, it’s important to find and compare auto insurance rates from multiple providers before you make a final decision on coverage.
How much is a minimum coverage policy with GoAuto?
Rates for minimum coverage with GoAuto may be less than with other insurance companies in your area, but you’ll have to compare quotes to get a better idea.
This table shows the minimum average auto insurance rates in states where GoAuto car insurance is available:
Average Minimum Liability Rates by State Where GoAuto Insurance is Available
| States | Average Monthly Liability Rates |
|---|---|
| Louisiana | $48 |
| Nevada | $50 |
| Ohio | $33 |
| Texas | $49 |
Most drivers pay between $30-$50 monthly for liability-only insurance, so compare these rates to the kind of GoAuto auto insurance quotes you get. Remember, if you are a high-risk driver, your rates may be higher based on your record, credit score, or if you’re a teen or young adult driver.
Read our guide to find out why auto insurance is so high and how you can lower your rates. You may need to compare quotes from several providers in your area to find the most affordable policy that meets your needs.
How much is full coverage with GoAuto?
While minimum coverage is the most popular option for auto insurance with GoAuto, you can purchase a full coverage policy that includes comprehensive and collision coverage. Full coverage can cost much more than a liability-only policy, but you may want to consider full coverage to meet your needs.
This table shows what the average driver pays for full coverage auto insurance in Louisiana, Nevada, Ohio, and Texas:
Average Monthly Full Coverage Rates by State where GoAuto Insurance is Available
| States | Average Monthly Full Coverage Rates |
|---|---|
| Louisiana | $128 |
| Nevada | $100 |
| Ohio | $69 |
| Texas | $101 |
Louisiana is one of the most expensive states for auto insurance, so you will likely pay more for GoAuto full coverage insurance than in the other states. However, GoAuto may offer competitive rates for full coverage if you’re a high-risk driver. Click here to find more local providers with affordable auto insurance for high-risk drivers.
GoAuto Discounts Available
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| Discount | GoAuto Insurance Company |
|---|---|
| Anti Theft | 20% |
| Good Student | 12% |
| Low Mileage | 15% |
| Paperless | 7% |
| Safe Driver | 19% |
| Senior Driver | 12% |
Policyholders can get discounts on car insurance with GoAuto. The company offers several discounts on car insurance coverage, including:
- Active military. If you currently serve in one of the military branches, you could get a discount on GoAuto car insurance coverage.
- Safe driving. If you practice safe driving habits, like avoiding distracted driving and driving within the speed limit, you may get a discount on car insurance with the company.
- Safety features. Vehicles with anti-lock brakes, airbags, and other safety features may be eligible for additional discounts.
- Multi-vehicles. If you insure more than one vehicle with GoAuto, you could qualify for a discount on coverage.
- Switching from another company. Individuals who leave another car insurance company to purchase a policy with GoAuto may be eligible for a discount.
Auto insurance discounts can help you save up to 25% on your insurance coverage. If you’re eligible for discounts with GoAuto, call the company and speak with a representative to learn more about how you could save on your car insurance coverage.
How GoAuto Ranks Among Providers
GoAuto Insurance Company operates in a competitive landscape where several key players vie for market share and customer loyalty. Understanding its main competitors provides valuable insight into the choices available to consumers seeking auto insurance coverage in the same regions.
- Geico: Known for its extensive advertising and competitive rates, Geico stands out as a major competitor in the auto insurance industry. With a wide range of coverage options and discounts, Geico caters to diverse customer needs.
- State Farm: Renowned for its personalized service and extensive network of agents, State Farm competes strongly with its comprehensive coverage options, including various add-on policies and excellent customer service.
- Allstate: With a solid reputation for offering a range of coverage options, including unique features like the Claim Satisfaction Guarantee, Allstate competes by providing customizable policies and innovative services.
- Progressive: Recognized for its user-friendly online platform and Snapshot program, Progressive competes by offering a variety of discounts and competitive rates, particularly for tech-savvy customers.
In the competitive realm of auto insurance, GoAuto faces formidable competition from established industry players such as Geico, State Farm, Allstate, and Progressive. Each competitor brings its own strengths, be it competitive rates, personalized service, or innovative offerings, presenting consumers with a diverse array of choices when considering their insurance needs.
Understanding the landscape of these main competitors aids consumers in making informed decisions based on their preferences and requirements.
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GoAuto Insurance Company’s Streamlined Claims Process
Ease of Filing a Claim
GoAuto provides multiple options for filing claims, including online, over the phone, and through mobile apps, offering convenient accessibility for policyholders.
Average Claim Processing Time
The average claim processing time with GoAuto is competitive within the industry standards, ensuring swift resolution for policyholders.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback regarding claim resolutions and payouts varies, with some reporting satisfaction with the process, while others have raised concerns about the handling of claims.
GoAuto Insurance Company’s Cutting-Edge Digital Features
Mobile App Features and Functionality
GoAuto’s mobile app is highly rated and offers comprehensive features such as quote generation, claims filing, policy access, and customer support, enhancing user convenience.
Online Account Management Capabilities
The online platform provided by GoAuto offers robust account management capabilities, allowing users to access policies, make payments, and request policy changes easily.
Digital Tools and Resources
GoAuto’s digital tools encompass a user-friendly website and mobile app that provide essential resources for policyholders, facilitating quote comparison, claims management, and customer service interactions.
Frequently Asked Questions
In which states does GoAuto offer auto insurance coverage?
GoAuto provides auto insurance coverage in Louisiana, Nevada, Ohio, and Texas. These are the states where their services are available.
What types of coverage does GoAuto offer?
GoAuto specializes in minimum coverage policies that meet the basic requirements in each state they operate in. However, they do not offer add-on coverages like roadside assistance, new car replacement, or gap insurance.
How can I obtain a quote from GoAuto?
To get a quote from GoAuto, you can visit their website, use their mobile app, or contact a representative directly. They provide options for obtaining quotes online or through direct communication.
Does GoAuto offer online policy management?
Yes, GoAuto Insurance offers online policy management services. Policyholders can access their policies, make payments, update information, and request changes through their online portal.
What are the pros and cons of getting insurance with GoAuto?
GoAuto provides a no-frills approach to insurance, offering competitive prices for minimum coverage and has a user-friendly mobile app and website. Cons: Limited coverage options beyond the basics, availability limited to only a few states, and a relatively higher number of customer complaints compared to larger insurers.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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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