GoAuto Insurance Review
GoAuto Insurance was founded in 2009 and is headquartered in Louisiana. Currently, the company exclusively sells car insurance to drivers in Louisiana, Nevada and Ohio. It specializes in affordable policies using non-commissioned insurance agents.
One of GoAuto’s selling points is its mobile app, which allows drivers to get a quote, buy a policy and manage their coverage right from their phone. Customers can also log in to the online portal to make a payment or file a claim.
Unfortunately, GoAuto includes limited information about its financials, discounts and policies. Compared to competitors, GoAuto offers bare bones insurance. But for drivers who want a cheap rate while willing to sacrifice on coverage, GoAuto might be a good option.
GoAuto car insurance
GoAuto offers limited information online about its car insurance policies. In fact, there is no information about what the policies include, or what add-on coverages are available, if any. Drivers who are looking for comprehensive and robust insurance are better off looking elsewhere. GoAuto is best suited for drivers who are on a tight budget and only in need of bare bones coverage.
Types of coverage
GoAuto offers no-frills full coverage and minimum coverage insurance that meets state requirements. The available coverage includes:
- Basic coverage: Basic coverage car insurance includes collision, comprehensive, liability, medical payments and uninsured/underinsured motorist coverage.
GoAuto ratings, reviews, customer satisfaction and complaints
|Better Business Bureau (BBB)||A+|
|NAIC Complaint Index||Higher than average complaints|
There is very little information online about GoAuto. The company is not rated by J.D. Power and its financial strength records are not public. However, the available ratings for GoAuto raise several red flags.
GoAuto has an A+ rating from the BBB, but the company has an average rating of 1.1 out of 5 stars based on 10 customer reviews. Most customers expressed concerns around unfair pricing, bad customer service and poor claims handling. In the National Association of Insurance Commissioners’ (NAIC) Company Complaint Index, GoAuto has higher than average complaints.
Reasons why GoAuto is a great option
GoAuto is a good option for drivers who are looking for extremely affordable car insurance. A policy from GoAuto might be cheaper than a policy from a bigger provider like Geico or Allstate. Another benefit is that drivers do not need to meet eligibility requirements, which some state-run low-income insurance programs have.
But overall, GoAuto is not a good insurance company for drivers who are looking for customizable coverage. Anyone looking for add-ons like roadside assistance, gap insurance, new car replacement coverage or OEM coverage will not find what they are looking for.
Additionally, GoAuto only offers coverage in three states. Unless you live in Louisiana, Nevada or Ohio, you cannot purchase a policy from GoAuto. Drivers shopping for affordable insurance in one of the other 47 states will need to look elsewhere.
Frequently asked questions
What is the best auto insurance company?
The best auto insurance company is different for every driver. But there are a handful of providers that stand out for offering excellent customer service, good coverage options, discounts and online tools and resources. Some of the carriers we recommend are State Farm, Geico, Progressive and The Hartford.
Does GoAuto work with live agents?
Yes, GoAuto does have live agents located throughout Louisiana, Nevada and Ohio. You can use the online locator to find a GoAuto office near you. However, GoAuto’s mobile app allows customers to purchase and manage a policy without working directly with an agent.
Does GoAuto offer non-standard insurance?
No, GoAuto does not offer non-standard insurance or SR-22s. To purchase a policy from GoAuto, you must have a good driving record and meet certain credit score requirements. On its website, GoAuto does not include any information about serving high-risk drivers.