GoAuto Insurance Review 2022: Pros and Cons

GoAuto Insurance is a Louisiana-based auto insurance company that offers bare-bones car insurance for drivers in Louisiana, Nevada, Ohio and Texas. GoAuto says it is a low-cost insurance company: It allows drivers to purchase policies directly from the company instead of through commission-incentivized insurance agents. You can get a quote on both the website and mobile app, by calling GoAuto or visiting a local GoAuto office.

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GoAuto insurance coverage

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy type; it’s a combination of coverage types, like liability, collision and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:


Bodily injury and property damage liability	Costs for injuries, deaths or property damage from an accident you caused.
Uninsured or underinsured motorist coverage	Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all.
	Repair expenses from traffic-related accidents, regardless of who’s at fault.	A car loan or lease may require it.
	Repair costs from events outside of your control, including weather events, hitting an animal while driving, theft and vandalism.	A car loan or lease may require it.

GoAuto Insurance offers minimal auto insurance coverage. Liability coverage is included in every policy, while collision and comprehensive coverage, medical payments and uninsured and underinsured motorist coverage may be additional options. Depending on your state, other coverage options may also be available.

Additional coverage could include:

Towing coverage covers towing and breakdown costs from a dead battery, flat tire or getting locked out of your car.

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

Auto insurance discounts

You may be able to get the following discounts for:

Being an active military member.
Driving a car with anti-lock brakes and air bags.
Switching to GoAuto from another insurance company.

Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you’ll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

Complaints

GoAuto had more than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

More about GoAuto insurance

Website: While GoAuto’s website offers minimal information about the coverage it offers, you can get a quote, file a claim, find a nearby office and make a bill payment. Plus, a Spanish version of the website is available.

Mobile app: GoAuto’s mobile app is available for both Apple and Android. It allows customers to get a quote, view ID cards, buy or renew a policy, pay a bill, view a current policy and corresponding documents, and file and track a claim.