GoAuto Insurance is all about providing cheap coverage. But what do you really get for your money? In this article, we'll discuss what the company offers in terms of coverage, pricing, and customer reviews. We’ll also take a look at how GoAuto Insurance measures up against some of the best auto insurance providers on the market.
When shopping for insurance, it's always a good idea to get quotes from multiple companies. That way, you can be sure you're getting the best coverage at the best price.
In this article:
- GoAuto Insurance Overview
- GoAuto Insurance Coverage
- GoAuto Insurance Cost And Discounts
- GoAuto Insurance Reviews
- GoAuto Insurance App
- Our Take On GoAuto Insurance: 3.5 Stars
- Recommended Providers
GoAuto Insurance Overview
GoAuto only offers car insurance, meaning you can’t get renters, homeowners, or any other insurance coverage from the company. If you are looking for a company through which you could bundle your home and auto insurance policies, GoAuto may not be the right fit.
According to the Louisiana Department of Insurance, GoAuto Insurance wrote about $1.63 million in premiums in 2019. That made it the seventh-largest provider in the state, behind household names like State Farm and Geico.
Unfortunately, GoAuto stands out because of its complaints and negative reviews. We'll dive deeper into GoAuto Insurance reviews later on, but we also want to point out here that the company has received a lot of negative feedback from former employees on sites like Indeed and Glassdoor.
Lack Of Financial Reputation
A number of financial rating companies, such as AM Best, keep watch on the car insurance industry. Unfortunately, GoAuto Insurance isn’t large enough to be rated on most of these sites. The company does underwrite its own car insurance plans, which is good to know, and it’s listed on the National Association of Insurance Commissioners website. But there aren’t any industry reports on GoAuto.
GoAuto Insurance Coverage
With GoAuto Insurance, you can get basic auto insurance to cover yourself and other drivers in different types of accidents.
- Bodily injury and property damage liability auto insurance cover medical bills and vehicle repairs for other drivers in accidents that you cause. These are required in all three states where GoAuto operates.
- Medical payments (MedPay) helps cover a portion of your medical bills.
- Personal injury protection (PIP) covers medical bills, funeral costs, and lost wages after an accident, no matter who was at fault.
- Collision coverage pays for repairs to your car, regardless of fault.
- Comprehensive car insurance pays for things like environmental damage, vandalism, and theft.
- Uninsured/underinsured motorist (UM/UIM) covers your medical bills and repairs if you get hit by an uninsured or underinsured driver.
Full coverage auto insurance is a combination of liability plus collision and comprehensive insurance, and GoAuto offers all of those options.
GoAuto Insurance does not offer any add-ons like roadside assistance, rideshare insurance, or guaranteed asset protection (GAP) insurance. However, you may be able to get a few extra options depending on your state. When we reached out for a quote for Louisiana, we were given the option to add towing coverage and car rental coverage.
GoAuto Insurance Cost And Discounts
GoAuto Insurance’s slogan is “Low-Cost Car Insurance.” We reached out for a sample quote for a 40-year-old male with a clean driving record and a 2015 Toyota Camry in New Orleans and found that rates were about average for the region. Here are the prices we received for a six-month car insurance period:
- Minimum coverage paid in full: $859
- Minimum coverage paid monthly: $161 monthly, $967 total
- Full coverage paid in full: $1,736
- Full coverage paid monthly: $319 monthly, $1,916 total
Based on our cost research, these numbers are on par with the national car insurance average of $1,732 per year for comprehensive coverage. We compiled cost data on the nation's leading providers and incorporated our findings into the table below. The information provided is based on a 35-year-old driver with a clean driving record and good credit history.
|Car Insurance Provider||Average Annual Cost Estimate|
It's important to keep in mind that you may see different prices since quotes are influenced by your age, your location, the type of car you drive, your driving history, and more. Louisiana car insurance has higher-than-average car insurance rates in general, and rates are highest in populated areas. You can see that it’s cheaper to pay for your policy in full rather than break it into payments. This is true for many providers.
The GoAuto Insurance website doesn’t list any specific discounts, but the quote we received included discounts for anti-lock brakes, good driving history, and an anti-theft device. Other common car insurance discounts, like a discount for insuring multiple vehicles, may also be offered by GoAuto.
GoAuto Insurance Reviews
GoAuto Insurance has an A+ rating from the Better Business Bureau (BBB). However, it also has a number of negative reviews and complaints from customers. According to the Louisiana Department of Insurance, GoAuto had a complaint index of 1.88 in 2018, which is not a good sign.
The complaint index measures the number of complaints against the total amount of written premiums. A score of 1 is average, below 1 is better, and above 1 is worse. Basically, GoAuto Insurance has more complaints relative to its size than other providers in Louisiana.
“My daughter was hit by an individual that has GoAuto Insurance... I stated I needed to get a rental car as soon as possible so my daughter could get to work. The claim representative told me it could be days before they could authorize a rental car because they had to look into the claim. This person was not very ‘customer-friendly’ on the phone, and I thought she was quite rude.”
- Joey via BBB
“When I canceled, [GoAuto] charged me an early termination fee. [I] wasn't ever informed of any early termination fees... I just got [GoAuto] insurance on dealer recommendation and knew I was going to cancel it after further research for cheaper insurance. I found cheaper and better insurance. Lesson learned, do research before you buy insurance.”
- Jean via BBB
“I need to purchase a new car, but I can't proceed because my old car hasn't been paid off yet. I'm so disappointed in the way [GoAuto] is handling my claim. This accident has really disrupted my life, and it wasn't even my fault.”
- Alana via BBB
GoAuto Insurance App
The GoAuto Insurance app allows potential customers to request quotes and current customers to make payments, manage claims, and access digital ID cards. On the Google Play store, the GoAuto Insurance app has a 4.0 out of 5.0-star rating based on more than 120 reviews. The app has a lower score on the Apple App Store, 2.8 out of 5.0 stars based on over 35 ratings. Some customers have reported trouble logging into their accounts through the app to make payments.
Our Take On GoAuto Insurance: 3.5 Stars
If you’re just looking for basic car insurance coverage, GoAuto Insurance could be a good option. However, we would only recommend choosing it if you find cheaper full coverage insurance than with other options, as the company's high complaint ratio is something to be concerned about. If you can find a plan from a reputable provider that is around the same price, that could be a better option.
|GoAuto Insurance Pros||GoAuto Insurance Cons|
Online quotes process
High complaint ratio
Physical locations where policyholders can pay with cash
No financial scores from industry rating services
So, how will you know if you're getting the best price? By getting multiple quotes. In Louisiana, Nevada, and Ohio, you have a huge number of options. You might be able to think of a few other car insurance companies off the top of your head, but there are literally hundreds of choices.
Use our tool below to start comparing free auto insurance quotes to find low-cost insurance.
The good news is that you don't have to sift through every provider on your own. We've ranked dozens of the best companies on things like price, availability, customer service, and coverage. At the end of the day, a handful of companies rose above the rest as the best car insurance companies on the market, including USAA and State Farm.
USAA: 5.0 Stars
To get USAA, you have to be an active or former member of the military, or you have to be an immediate family member of someone who has a USAA auto or home insurance policy. If you qualify for USAA car insurance, this company should be your first choice. Typically, coverage is so inexpensive that it beats out other cheap providers, but the company doesn't compromise on customer service, either.
We rated USAA the best car insurance for veterans and military members since it has a number of helpful tools for service members. Plus, it offers deep discounts for garaging a vehicle on a base or storing a vehicle during deployment. Some other discounts from USAA include a safe driver discount, good student discount, and multi-vehicle discount – which is much more than you’ll find with GoAuto Insurance.
Learn more in our full USAA auto insurance review.
State Farm: 4.5 Stars
State Farm auto insurance is another great company to get a quote from. State Farm also has a financial rating of A++ from AM Best, but it performed about average in both of the J.D. Power customer satisfaction surveys mentioned above.
Coverage from State Farm might be a little bit more expensive than USAA, but it still tends to be one of the cheaper options on the market, and it's available to all drivers in the United States. State Farm has the best student discount in the industry that we have found – good students can get up to 20 percent off their policy. More discounts include good driver discounts, claim-free discounts, and multi-policy discounts.
Learn more in our full State Farm auto insurance review.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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