GoAuto Insurance Review 2022

GoAuto Insurance is a small auto insurance provider that offers coverage in Louisiana and Nevada. They advertise affordable, low-cost auto insurance rates thanks to their direct buy service and non-commission agents. But their website isn't very transparent, and what ratings and reviews they have don't look good. Read through this handy GoAuto insurance review to decide if affordable GoAuto insurance is for you. Or compare auto insurance rates now and get the best insurance.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • GoAuto Insurance services Louisiana and Nevada
  • They promise affordable auto insurance with direct buy services and non-commission agents
  • GoAuto’s website isn’t clear on their coverage plans
  • Customer reviews suggest GoAuto doesn’t support their insured drivers

GoAuto Insurance is an auto insurance provider that offers auto insurance coverage only to Louisiana and Nevada. Through their direct buy service and thanks to non-commissioned agents, GoAuto promises high-quality, low-cost auto insurance. But how high-quality is it really?

This GoAuto auto insurance review goes through the nitty gritty of the company. If you’re checking out GoAuto’s claims, comparing how their rates stack up against the competition, or just want to get a GoAuto auto insurance quote, read on.

Want to compare rates now?  Enter your ZIP code to find the best auto insurance today.

Who is GoAuto Insurance Company?

GoAuto Insurance Company is based in Louisiana, and offers auto insurance to both Louisiana and Nevada. The company was founded in 2009, making them pretty new to the insurance industry.

GoAuto claims to keep your costs low with their direct buy system and local offices. But operating various offices can be costly, especially when compared to centralized systems like that of GEICO.

This approach is unusual for smaller companies like GoAuto, but it does give them an edge over providers whose agents are commission-based.

While GoAuto may come across as a non-standard issuer, they are not listed as such. Drivers with clean driving records will still see the best rates, just like with most standard insurance providers.

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What are GoAuto Insurance’s policies?

GoAuto’s website doesn’t actually offer much information about their coverage plans. The only way to find out more is to go through their free quote portal. GoAuto’s site also doesn’t appear to contain any information whatsoever regarding a cancellation policy.

GoAuto advertises that they they keep rates low by skipping expensive add-ons. This likely means that their coverage plans are going to be just the basics.

Think liability insurance starting at the minimum auto insurance required by state, and a few basic options with comprehensive car insurance or collision coverage to meet loan requirements.

It’s unclear if GoAuto offers common options like rental reimbursement car insurance or towing.

Does GoAuto Insurance offer auto insurance discounts?

GoAuto’s website doesn’t clearly indicate whether or not the company offers discounts to its insured drivers. We would expect them to offer the basic discounts (like discounts for good driving, good credit, etc) to compete with other providers, but can’t say for certain.

What are GoAuto car insurance rates?

GoAuto doesn’t advertise actual rates on their site. They can likely beat out agent-driven company rates, but would be hard-pressed to compete with major direct buy insurers.

Average Annual Auto Insurance Rates for the Top Ten Insurance Companies
CompaniesAverage Annual Rates
American Family$3,443.09
Liberty Mutual$6,073.45
State Farm$3,260.00
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Potential customers can get personalized GoAuto insurance rates through their online portal. You can also call a local office at (225) 926-7000.

How do I manage my GoAuto insurance?

GoAuto offers an online car insurance claims form where a claim can be submitted at any time. Claims can most likely also be filed by contacting a local GoAuto claims office, but the site doesn’t specifically say so.

Similarly, GoAuto offers online bill payment options through its website. Bills can also probably be paid through a local office.

GoAuto’s 24/7 customer service line is 888-566-5505.

The Bottom Line

Even if GoAuto’s rates are good, we’re not sure we’d recommend it. The lack of transparency on GoAuto’s website makes it hard to determine if their low-cost coverage plans will actually cover what you need.

The company also doesn’t appear to offer consistent support to its policyholders. GoAuto has an A+ rating with the Better Business Bureau (BBB), though they are not currently accredited. Despite the positive rating, they have barely over 1 star on the BBB, with 11 dissatisfied customer reviews.

There have been three GoAuto complaints from customers in the past three years. One of those was closed in the past 12 months. Other GoAuto insurance review sites like Yelp and Reviews.com show even more complaints and poor customer reports.

You’ll probably have a much more positive direct buy experience with a larger company with centralized, readily-available customer service. Plus, you’ll have an easier time finding information on different coverage plans so you can decide which is best for you.

Hopefully, this GoAuto insurance review was helpful. But whether or not GoAuto auto insurance is right for you, you can still save on affordable coverage plans. Enter your ZIP code now for fast, free quotes from auto insurance providers in your area.

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