GoAuto Insurance Review in 2021

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Dec 24, 2020

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Key Takeaways

  • GoAuto insurance offers basic car insurance coverage to residents of Louisiana, Nevada, and Ohio.
  • They market themselves as a low-cost insurance company.
  • GoAuto is (unfortunately) known for its high complaint ratio and lack of financial reputation.

GoAuto insurance offers basic car insurance to residents in Louisiana, Nevada, and Ohio. However, they have a high complaint ratio.

In our GoAuto car insurance review, we’ll discuss the reasons for complaints, as well as coverage options, pricing, and how to get a quote or file a claim.

If you’re looking for cheap car insurance in your area, use our free tool above to compare car insurance quotes now.

Who is GoAuto insurance?

GoAuto insurance is a relatively small car insurance company that offers basic coverage types to residents of Louisiana, Nevada, and Ohio. They market themselves as a low-cost insurance company.

Unfortunately, the company is also well-known for its high complaint ratio and lack of financial reputation. In our GoAuto insurance review below, we’ll dive into common complaints from customers and why industry rating companies haven’t picked up on them yet.

What coverage types does GoAuto offer?

Liability coverage (both for bodily injury and property damage) is required in all three states where GoAuto offers coverage. Therefore, it is included in all policies.

You may purchase the following coverage types from GoAuto in addition to your liability insurance:

  • Medical payments (covers your medical bills)
  • Personal injury protection (PIP) (covers medical bills, funeral expenses, and lost wages)
  • Collision coverage (covers repairs for your vehicle for damages caused by a collision)
  • Comprehensive coverage (covers repairs for your vehicle for damages caused by environmental factors and vandalism/theft)
  • Uninsured/underinsured motorist (covers additional expenses not covered by an at-fault driver’s insurance)

GoAuto does not offer a ton of options in terms of add-ons. However, you may be able to get some basic benefits added to your policy, such as towing coverage or rental car coverage.

How much is GoAuto?

GoAuto’s website isn’t very transparent about their coverage options or pricing. Therefore, you will need to request a quote (see below on how to do this) in order to get rates tailored to the factors that determine the price of your car insurance.

So, while we can’t give you a very specific idea of what GoAuto will charge for their insurance, we can give you a look at the average rates in Louisiana by coverage type to give you an idea of what you might pay.

Average Auto Insurance Rates in Louisiana by Coverage
Coverage TypeAverage Annual Auto Insurance Rates
Liability$775.83
Collision$414.36
Comprehensive$215.17
Full Coverage$1,405.36
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GoAuto claims that they offer cheaper car insurance due to their lack of commission-based staff or insurance agents, along with their basic coverage options that excludes expensive add-ons.

What do GoAuto customers complain about?

The Louisiana Department of Insurance gave GoAuto Insurance a ratio complaint of 2.36 (the median is 1.00). This means that, relative to its size, the company faces a significantly high number of customer complaints.

Most customer complaints have to do with delays in claims processing, claims being denied, dissatisfaction with the handling of claims and settlement offers, billing issues, and lapses in coverage even when premiums were paid.

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What are GoAuto’s insurance ratings?

The BBB has listings for multiple GoAuto physical locations, whose ratings vary from C to A+. Some of them have complaints written by customers, mostly to do with the issues discussed above.

Financial reputation is important to evaluate when choosing an insurance company since it gives an idea of whether the company is able to pay claims or not.

Unfortunately, GoAuto is such a small company that it has not yet caught the attention of industry rating platforms, such as A.M. Best or S&P.

This means we can’t give you a solid idea of the company’s financial stability. However, GoAuto does underwrite its own policies, and you can find them listed on the NAIC member index.

How Can I Contact GoAuto?

The phone numbers for GoAuto insurance are:

  • Louisiana: (225) 926-7000
  • Nevada: (702) 747-7777
  • Ohio: (216) 501-3322

GoAuto has multiple physical locations located in all three states. They are headquartered at:

7273 Florida Blvd., Baton Rouge, LA 70806

Their website is ww1.goautoinsurance.com. You can use the website to get quotes, file claims, follow the claims process, make payments, etc. You can also use their mobile app for much of the same purposes.

How can I get a quote or file a claim with GoAuto?

Getting a quote with GoAuto is fairly easy. You can visit their website or mobile app, call them, or visit one of their locations. If you get a quote through their website or app, you will need contact information, vehicle information, driving history, and information for other drivers.

Filing a claim is similarly easy. If you use their website or app, you will need your contact information, incident information, contact information for the insured, passenger information, the other driver’s contact information, injury information, and witness information.

Summing it Up: GoAuto Car Insurance Review

There are pros and cons to buying from any insurance company. The pros of buying from GoAuto are:

  • You can easily get a quote or file a claim online.
  • Physical locations allow you to pay with cash.
  • They may offer lower prices than competitors.
  • They may insure high-risk drivers.

The cons of buying from GoAuto are:

  • They have a very high customer complaint ratio.
  • Industry rating companies have not evaluated their financial reputation.
  • They are available only in Louisiana, Nevada, and Ohio.
  • They offer very limited coverage and add-on options.

While GoAuto might be a good choice for some people (possibly high-risk drivers or someone who cannot find a cheaper option), we recommend doing plenty of research before buying from them. It may be better to pay a little more for a company which has fewer complaints.

If you need help finding affordable car insurance, use our free quote comparison tool below.

References:

    1. https://www.naic.org/index_members.htm

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