GoAuto Insurance Review & Complaints: Car Insurance

GoAuto Insurance Company offers low-cost car insurance for drivers in Nevada and Louisiana. GoAuto Insurance's rating with the BBB is an A+, but its reviews from customers are minimal. Due to its use of a direct buy approach, GoAuto car insurance rates are low and affordable. Our GoAuto Insurance review will tell you all you need to know about this company.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 12, 2021

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Finding affordable car insurance can be a difficult task, especially with so many car insurance companies out there vying for your attention.

This GoAuto Insurance review will help you as you compare car insurance by providing you with information about GoAuto Insurance rates, its direct buy method, and more.

Proudly offering low-cost car insurance for Nevada and Louisiana residents, GoAuto Insurance tries to keep its rates low and is an auto-only insurance provider operating in two states.

The company promises low-cost car insurance (however, not GoAuto renters insurance) through a direct buy service with non-commissioned insurance agents.

Whether you want to find out how to get GoAuto car insurance quotes or see how GoAuto car insurance rates stack up, we can help.

Our team of experts has put together this GoAuto Insurance review (not Go Insurance Review) to answer any questions you may have to help you decide if you want to buy GoAuto Insurance.

Ready to compare rates before you read more about GoAuto Insurance? Enter your ZIP code above right now for affordable auto insurance quotes.

Who is GoAuto Insurance Company?

GoAuto Insurance Company operates in two states, Louisiana (see GoAuto Insurance Central LA) and Nevada (GoAuto Insurance Reno and GoAuto Insurance Las Vegas).

The GoAuto In. headquarters is located in Louisiana. Founded in 2009, they are a newcomer to the insurance industry with just over 10 years in business.

GoAuto (not Stop and Go Auto Insurance) advertises as a low-cost insurance company and aims to accomplish this by using a direct buy system combined with local offices. The company’s agents are advertised as being non-commission, which generally means lower costs.

The overhead of operating offices, however, adds some costs compared to a centralized system like GEICO. This is an unusual approach for a smaller company operating in only two states, but it allows consumers a choice outside of the giants without the added cost of agent commissions.

GoAuto is not listed as a non-standard insurer, although the way they present themselves tends to give that impression. Like most insurance companies, drivers with a clean record will see the best rates, but this company may offer some leeway for those with a problematic record.

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What are GoAuto’s Insurance Policies?

The GoAuto website spends a lot of time talking about the company’s low-cost GoAuto Insurance coverage, but it does not offer information regarding this auto insurance coverage.

The website does not offer a page dedicated to the actual insurance program (or GoAuto insurance cancellation policy).

GoAuto’s website does state that it keeps rates low by skipping expensive add-ons; this indicates that we can expect just the basics from this auto insurance company.

That means liability insurance starting at the state minimums, and a few basic options, which will include comprehensive coverage and collision coverage to meet loan requirements.

We are unable to tell whether or not GoAuto auto insurance offers common options like rental reimbursement car insurance or towing.

What are GoAuto Car Insurance Rates?

GoAuto does offer online quoting. Local offices are also available over the phone or in-person in order to get an auto insurance quote. The online system allows quotes to be saved and retrieved. The GoAuto Insurance phone number is (225) 926-7000.

Since GoAuto only operates in two states and does not offer online quoting, we were unable to compare GoAuto auto insurance rates with those of other car insurance companies in Nevada and Louisiana.

However, here are sample auto insurance rates from insurance companies in both Nevada and Louisiana to give you an understanding of how low GoAuto’s car insurance rates may be. First up, let’s look at Louisiana.

Louisiana Car Insurance Companies & Rates
Louisiana Auto Insurance CompaniesAverage Annual Louisiana Auto Insurance Rates
Allstate$5,998.79
GEICO Cas$6,154.60
Progressive Security Ins.$7,471.10
State Farm Mutual Auto$4,579.12
USAA$4,353.12
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What about Nevada?

Nevada Car Insurance Companies & Rates
Nevada Auto Insurance CompaniesAverage Annual Nevada Auto Insurance Rates
Allstate$5,372.21
American Family Mutual$5,439.95
Mid-Century Ins Co$5,589.91
GEICO Cas$3,660.03
Safeco $6,209.68
Depositors Insurance$3,474.93
Progressive Direct$4,048.92
State Farm Mutual Auto$5,792.85
Travelers Home & Marine Ins Co$5,349.64
USAA$3,072.26
Get Your Rates Quote Now

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We would expect them to be lower than those offered by agent-driven companies, but we would be surprised if they were able to beat the rates of the major direct buy insurers – at least for drivers with a clean record.

How do you Make a GoAuto Insurance Claim & Pay Your GoAuto Insurance Bill?

GoAuto offers an online car insurance claims form where a claim can be submitted at any time. We were unable to find further information regarding claims on the company’s website.

There does not seem to be a phone number listed for the GoAuto insurance claims office, which is strange as most companies offer a 24-hour toll-free claims phone number, and the site is lacking information on the overall claims process.

It is possible that a phone number is provided to the insured when an auto insurance policy is purchased, but as we see in the next section, that does not appear to be the case.

Claims can likely be filed by contacting the local GoAuto insurance claims office in your area as well, but the site does not say that specifically.

Similarly, GoAuto allows online bill payment options through its website.

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Does GoAuto Insurance Offer Discounts?

From the website, it is not apparent that GoAuto offers any auto insurance discount to its insured drivers. But if it is similar to other competing insurance providers, basic discounts for good driving, good credit, and more would be available.

What are GoAuto Insurance Ratings and Consumer GoAuto Insurance Reviews?

Below, we have included GoAuto Insurance ratings from a few reputable ratings agencies.

GoAuto has an A+ rating with the Better Business Bureau (BBB), though they are not currently accredited. There have been three GoAuto complaints filed in the past three years. One of those was closed in the past 12 months.

Pissed Consumer has 71 GoAuto reviews of this company with an overall rating of 1.8. A look through the reviews results in a bit of confusion; many of them do not make a lot of sense or are not very helpful in nature.

There are a large number of complaints about the website not functioning properly and difficulty in speaking to an actual person.

This relates to our previous note regarding the lack of any sort of central toll-free number, which we expect most insurance companies to offer. It appears that GoAuto expects policyholders to use the website for most purposes, but the company fails to provide a solid online experience.

There is only one GoAuto review on Yelp, a negative comment regarding the cost of the policy.

The Insurance Information Institute lists five reputable insurance rating agencies in addition to the few we have included here and explains that collecting information from two to three of these agencies will help give you a good understanding of your potential company’s financial standing.

What’s the Bottom Line?

When a company advertises low-cost insurance, it is always good to remember the old “you get what you pay for” adage; it appears to apply here.

Even if GoAuto’s rates are good, there appears to be a lack of support for policyholders (see also the company’s GoAuto grace period and GoAuto insurance verification).

The direct buy approach does not work well without a system for handling customer needs efficiently and GoAuto appears to fail on that front.

Most people seeking a good direct buy experience are likely to do better with one of the larger companies whose centralized customer service is readily available.

Now that you have read our review and determined whether or not affordable GoAuto Insurance is right for you, it is time to save on affordable car insurance policies.

Ready to buy auto insurance? Enter your ZIP code below right now for instant, free rates from multiple car insurance companies in your area.

References:

    1. https://www.iii.org/article/how-to-assess-the-financial-strength-of-an-insurance-company

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