Go Auto Insurance Review 2022

Go Auto is known for offering car insurance coverage with competitive rates in Louisiana, Nevada, Ohio, and Texas.

UPDATED: Oct 19, 2022Fact Checked

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Oct 19, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Oct 19, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Oct 19, 2022Fact Checked
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Go Auto Insurance

Average annual rate for good drivers:

$0

A.M. Best rating:

Complaint level:

High

Pros

  • Online quotes
  • Filing claims on the website or mobile app
  • A website available in Spanish
  • Physical buildings to speak with an agent or make a payment
  • A popular, user-friendly mobile app and website

Cons

  • Limited availability: available in Louisiana, Nevada, Ohio, and Texas
  • No clear explanation of coverage options
  • More complaints than expected based on the company size
  • Limited positive reviews online
  • No financial strength rating with A.M. Best

The Bottom Line

If you live in Louisiana, Nevada, Ohio, or Texas, Go Auto could be a great insurance option for you. Go Auto offers inexpensive rates on car insurance, and you may find that the company has exactly what you’re looking for in terms of standard coverage and add-on options for increased protection and peace of mind.

Go Auto does not have stellar reviews online. Many customers are unhappy with how the company handles car insurance claims. Additionally, the company’s financial strength and outlook have not been rated by A.M. Best.

Before choosing Go Auto for your car insurance coverage, compare quotes from other companies to see what your options are. If Go Auto does offer the cheapest coverage in your area, ensure the company offers what you’re looking for before you commit to a policy. 

If you’re searching for car insurance in your area, you may have heard of Go Auto Insurance. The Go Auto Insurance Company offers car insurance in a few states in the U.S. Unfortunately, there’s not a lot of information online about Go Auto, and the company is not rated by A.M. Best or many other experts in the industry. 

If you’re wondering how to get car insurance in your area at a reasonable rate, the answer may be to shop online and compare quotes from multiple providers. Whether you need your state’s minimum coverage as a high-risk driver or you’re interested in purchasing several add-on coverage options, your best bet is to compare quotes to find what works.

Is GoAuto a Good Choice?

Go Auto offers legitimate car insurance policies to individuals who want to save money on their auto insurance premiums. Unfortunately, there’s not a lot of information online regarding exactly what Go Auto offers. And there are some negative reviews concerning the company’s customer service and claims handling processes that may make prospective policyholders uncomfortable. 

According to the Better Business Bureau (BBB) website, Go Auto has an A+ rating. But Go Auto policyholders have a lot to say about how the company handles claims and insurance payouts. Many Go Auto insurance reviews state that the company does not handle claims fairly, refuses to cover incidents that should be covered, and does not pay out claims promptly.

If you’re considering purchasing an auto insurance policy with Go Auto, you should read some customer reviews before doing so. Reading customer reviews can help you learn what to expect from the company and whether you would be able to trust Go Auto as your insurance provider.

How did Go Auto get started?

Go Auto insurance started in Baton Rouge, Louisiana. The company has been offering car insurance since 2009, first to Louisiana residents and then to Nevada, Ohio, and Texas residents.

Go Auto is known to offer cost-effective options when it comes to car insurance. In some cases, this may mean the company tailors itself to high-risk drivers searching for a reasonably priced policy. In other cases, Go Auto may appeal to drivers who want to save as much as possible on their car insurance. 

Go Auto only offers car insurance. So, if you need additional insurance products, you will have to consider other companies. Additionally, Go Auto does not offer a bundling or multi-policy discount, as it only offers one type of insurance. 

Some people may worry whether Go Auto is a legitimate insurance company. And while the company lacks certain ratings and reviews online, it is the eighth-largest car insurance provider in Louisiana. 

GoAuto Rates

Go Auto prides itself on offering affordable car insurance to its policyholders. The company states that it offers inexpensive rates for any type of coverage you can find. However, several factors could impact your car insurance rates. 

These factors often include:

  • Age
  • ZIP code
  • Driving history
  • Credit score
  • Car make and model 
  • Desired coverage

The only way to know how much you will pay for Go Auto car insurance is to get a direct quote from the company. 

While getting a quote is the only way to know exactly how much you’ll pay for car insurance with Go Auto, you can use our sample quote as a starting point. 

For our sample, we chose a 35-year-old individual who owns a 2015 Toyota Camry. The quote was generated in New Orleans, so rates will be specific to that area. 

Go Auto offers close to the national average for car insurance coverage. While the national average is $1,732 annually or $145 per month, Go Auto’s rates are $1,736 annually. This rate is for a Go Auto full coverage policy with liability, collision, and comprehensive coverages.

Average Monthly Full Coverage Rates for the Top Auto Insurance Companies
Insurance CompanyAverage Full Coverage Rates
Allstate$160
American Family$117
Farmers$139
Geico$80
Liberty Mutual$173
Nationwide$115
Progressive$105
State Farm$86
Travelers$99
Average$120
Get Your Rates Quote Now

When you look at a minimum coverage policy, Go Auto charges $859 annually if you pay the entire amount up front or $161 per month ($967 annually) if you pay every month. This minimum coverage cost is close to the national average as well. 

Average Minimum Monthly Coverage Rates for the Top Auto Insurance Companies
Insurance CompanyAverage Minimum Coverage Rates
Allstate$61
American Family$44
Farmers$53
Geico$31
Liberty Mutual$68
Nationwide$44
Progressive$39
State Farm$33
Travelers$37
Average$45
Get Your Rates Quote Now

Go Auto’s full coverage rates go up to nearly $2,000 annually if you pay per month rather than paying in full every year. While this may seem like a lot, it falls within the normal range for coverage.

While right around the national average, Go Auto’s coverage rates are well under what many other, more common insurance companies charge for similar coverage. Take a look at some of the insurance companies you’re familiar with, like USAA and GEICO, to see how Go Auto compares.

What information do I need to get a quote? 

You can get a direct quote in a few different ways. First, you can visit the company website to get a quote online. This is often the easiest way to learn how much you would pay for insurance coverage with a company.

Go Auto also makes it possible to get a quote via the mobile app. So, if you’re interested in downloading the Go Auto app, you should be able to input your information to get a quote.

Some people prefer to speak with a company representative when searching for quotes. If this is true for you, you can call Go Auto and speak with a representative to learn more about coverage options and receive a quote as well. 

Lastly, you can go to a Go Auto office near you and meet with an insurance agent to discuss your options for coverage. While this option is often the most time-consuming, you may find it easier to meet in person with a professional to get a quote and learn more about Go Auto car insurance coverage. 

Regardless of how you get your insurance quote, you’re going to need specific information on hand to ensure your quote is accurate:

  • Name
  • Date of birth
  • Address
  • Social security number
  • Driver’s license number
  • Year, make, and model of your vehicle
  • Desired coverage

Even if you believe Go Auto would be a great fit for you, you should still shop online and compare quotes from other providers. Doing so will help ensure you don’t spend too much on car insurance coverage.

It’s one thing to claim to offer competitive rates, but it’s another thing to actually offer some of the cheapest rates in the area. By comparing quotes, you’ll learn very quickly whether Go Auto’s rates are competitive or not.

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GoAuto Discounts Available

Go Auto offers its policyholders a few options for discounts on coverage. While Go Auto offers low rates on coverage, the company does not depend solely on discounts to do so. 

The discounts available with Go Auto seem limited, and include:

  • Active military personnel. If you currently serve in any branch of the military, you are eligible to save on car insurance premium. Go Auto does not specify how much you could save with this discount, but some insurance providers allow you to save as much as 30%.
  • Safe driving. If you are a safe driver, you could save up to 20% on your car insurance. Typically, being a safe driver means you have a clean driving record. If this applies to you, you may be eligible for significant savings.
  • Safety features. Certain safety features on your vehicle could help you save big in terms of car insurance rates. If you have anti-lock brakes, air bags, or other important safety features, you could save around 15% on your car insurance premium.
  • Multi-car. Go Auto does not offer multiple types of insurance, which keeps you from taking advantage of a multi-policy discount. But if you have multiple cars insured by Go Auto, you may qualify for a discount on coverage.
  • Switching from another provider. If you decide to switch to Go Auto from another competitor in your area, Go Auto may shave off a significant percentage of your premium. While Go Auto does not state how much you could save, some companies allow people to save as much as 20% on their insurance rates.

Once you receive a quote from Go Auto, you can see how much the company’s discount options will impact your bill. Hopefully, you will see a significant decrease in how much you’re expected to pay for your car insurance. 

If you notice Go Auto’s discounts don’t help you save much on your car insurance rates, you should consider finding quotes from other providers to see if there are better options available in your area. There’s no need to overpay for car insurance when so many companies are willing to offer you coverage. 

GoAuto Coverage Options

Go Auto is unclear concerning what the company offers for car insurance coverage. 

However, Go Auto states that it offers low rates for coverage, and the company certainly offers coverage that would be required in any of the states where it operates, including:

  • Bodily injury liability. If you are at fault in an accident and one or more people are injured, bodily injury liability pays for the medical attention they need up to the limits of your policy.
  • Property damage liability. If you are at fault in an accident and one or more vehicles or pieces of property are damaged, property damage liability pays for the repairs up to the limits of your policy.
  • Personal injury protection (PIP). If you or a passenger in your vehicle are injured in an accident, PIP will cover your medical bills and certain other expenses.
  • Medical payments (MedPay). Similar to PIP, MedPay will cover medical expenses associated with a covered incident.  
  • Uninsured or underinsured motorist coverage. If you’re in an accident with a motorist who does not have car insurance or who does not carry enough coverage, uninsured or underinsured motorist insurance helps to pay for the damage to your vehicle. 

In addition to various liability coverages, Go Auto also offers collision and comprehensive coverages:

  • Collision coverage. If you’re in a car accident and are at fault in an accident, collision insurance will pay for the repairs to your vehicle. If you’re in the same scenario and only carry liability coverage, you will have to pay for repairs out of pocket.
  • Comprehensive coverage. If your vehicle is damaged in a non-accident incident, such as inclement weather or vandalism, comprehensive coverage pays for repairs to your car. 

Outside of the coverages listed above, Go Auto does not clarify whether it offers add-on coverage options for its policyholders. 

Some popular add-on options that Go Auto may or may not offer include:

  • GAP insurance. If you owe money on a loan or lease and your car is totaled, GAP coverage helps pay the difference between what you owe on your vehicle and what your car is actually worth after depreciation. 
  • Rental car reimbursement. If your vehicle is damaged in a covered event, rental car reimbursement pays for your rental car while your car is in the shop. 
  • Custom parts and equipment insurance. If you have custom parts or equipment added to your vehicle, this coverage will help to pay to have that exact equipment repaired if it is damaged in a covered event. 
  • Rideshare insurance. If you drive for a rideshare company like Uber or Lyft, rideshare insurance helps ensure you’re protected if you’re in an accident on the job. 
  • Roadside assistance. Many people enjoy the protection roadside assistance offers, especially if they are ever stranded. Roadside assistance helps with flat tire repair, fuel delivery, lockout services, and more. 

The only way to know whether there’s a Go Auto roadside assistance coverage option is to do some research on the company. If you cannot get a quote for certain add-on coverage options, you can always call the company and speak with a representative for more information.

It’s important to note that, though it’s always nice to save money on car insurance, certain coverages may be necessary for your vehicle. Although adding coverage to your policy almost always means a price increase, you may want to seriously consider it before choosing a minimum coverage policy.

Does Go Auto offer high-risk car insurance?

While Go Auto’s website doesn’t mention that the company covers nonstandard or high-risk drivers, some people who have difficulty finding car insurance coverage may be drawn to the company because of its low rates.

High-risk car insurance is necessary for many drivers who have poor driving records. 

Some of the things that may cause you to be labeled a high-risk driver include:

  • A new or teen driver
  • One or more at-fault accidents on your record
  • A DUI or DWI conviction
  • Multiple traffic infractions
  • A lapse in car insurance coverage

Go Auto does not advertise itself as a high-risk car insurance provider. Still, the company may be willing to provide minimal coverage to some drivers who have difficulty finding coverage with other companies in their area. 

If you’re a high-risk driver looking for car insurance coverage, you can call and speak with a Go Auto representative to see if the company would insure you. Regardless of where you find coverage, you can expect higher-than-average rates if you’re a high-risk driver.

Most insurance companies covering nonstandard drivers do so at a higher rate to account for the increased risk of filing a claim. Over time, you should find that your rates go down, as long as you refrain from filing any claims and allow your driving record to improve.

Frequently Asked Questions

Where is Go Auto car insurance available?

Go Auto is currently only available in Louisiana, Nevada, Ohio, and Texas. The company has not expressed interest in expanding to other states.

Is Go Auto a legitimate car insurance company?

Go Auto offers legitimate car insurance coverage in Louisiana, Nevada, Ohio, and Texas. However, the company does have negative reviews from many customers, which may take away from its overall legitimacy.

If you’re interested in buying a car insurance policy with Go Auto, compare quotes with other companies and read online reviews from different customers to get a better idea of what to expect from the company if you ever have to file a claim.

How can I get a Go Auto car insurance quote?

The easiest way to get a car insurance quote from Go Auto is to use the company website. You can input your personal information and receive a quote in just a few seconds. However, if you prefer another method, you can also call the company to speak with a representative or drive to a physical location to meet and chat with a Go Auto insurance agent.

How can I file a car insurance claim with Go Auto?

If you need to file a claim with Go Auto, you can use the company website or the mobile app to do so. The mobile app allows you to upload the necessary documents and information, and you can also track the status of your claim.

If you would like to speak to a representative, you can call Go Auto or visit a physical location to do so.

How can I cancel my Go Auto car insurance policy?

You can cancel your policy by calling Go Auto and speaking with a representative. You cannot cancel your policy on the company website or by using the Go Auto mobile app.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

Reviews
for GoAuto

3.41 (60 reviews)
1
August 15, 2022

Jamica_Chisley

Go auto with the low ball offers

I had a wreck over a year ago. It was other drivers fault. We both had go auto insurance. Go auto offered me a $1500 settlement. Talking about a low ball offer. In I still havent got paid this wreck was July 2021. Consumers it would be best to go with other insurance companies because Go auto doesn’t want to pay out clams
1
February 7, 2022

Kesha_

Beware!!!

Worst insurance, increase the price when they want, worst customer service and the agents at the store...that is another story...
1
October 4, 2021

Crackcorn58

Bad customer service

had an accident not at fault on sept 17th field a claim no responce ..no call backs no rental been without a car ..next step to get a lawyer I guess today is 10/4/21 still not a word ..........
1
October 4, 2021

Walter_

Dont buy this insurance

Buyer beware, this company does not pay their claims. I've been waiting over a year and still nothing. My car was stolen and they investigated it they know it was stolen the police investigated it and they still procrastinating. Pure garbage that's why they're cheap. They hope you don't file a dam claim.
1
April 8, 2021

walterj

Buyer beware

I've been fighting this company for a year and they refuse to settle my claim. They will find ways to not pay you. May 31, 2020 I left home in Laplace to play a round of golf at New Orleans City Park. I was driving my 2015 Chevy Camaro. The game lasted approximately 31/2hrs. Leaving off 18hole stopped at the clubhouse had food and drinks with some friends. Left out approximately 7pm headed to the car and guess what, car is gone. Shocked and stu...
I've been fighting this company for a year and they refuse to settle my claim. They will find ways to not pay you. May 31, 2020 I left home in Laplace to play a round of golf at New Orleans City Park. I was driving my 2015 Chevy Camaro. The game lasted approximately 31/2hrs. Leaving off 18hole stopped at the clubhouse had food and drinks with some friends. Left out approximately 7pm headed to the car and guess what, car is gone. Shocked and stunned heart beating fast now I'm hoping it's a prank or something but to no avail. Looked around friends done hauled [REDACTED WORD]. Called NOPD took report. Now here is where it gets interesting people. I called GO AUTO, my insurance company to inform them, this was on a Sunday. So Monday I received a call from the adjuster. I gave them everything they asked for. From that point on they went to work on my character, attempting to say my car wasn't stolen and I staged the whole event. Matter of fact even Mr. [REDACTED NAME] who yall know as [REDACTED NAME] the Goauto man, says I wasn't even in New Orleans that day. Lol. Anyway they refused my claim and until this day I'm still fighting. No attorney but I'm still fighting. David vs Goliath. So for all of you who are thinking about getting cheap insurance or Goauto insurance? Buyer beware. You've been warned. I'm a gulf War veteran who survived Iraq and conveyed from Kuwait to Baghdad in a hummv with no armored plates I can deal with GOAUTO
1
March 1, 2021

GoAuto

Don't Use this company.

Save your money and don't waste your time with this company. They are only about money and couldn't care lass about the people people.
1
October 5, 2020

walterj

GO AUTO BUYERS BEWARE NO GOOD

Buyer beware i had my car stolen in may 2020 got police report did everything right. Claims department was very rude and hard to get hold of. Its now October and they have denied my claim i had to hire a lawyer to fight them. THEY DO NOT HONOR their claims. PLEASE BEWARE #SCAMMERS
1
July 28, 2020

Twinn83

Frustrated customer

My vehicle got vandalized a week ago. Nothing has happened. I still don’t have a rental or another vehicle to get back and fourth to work. The initial agent was rude and her supervisor isn’t much better. What’s the use of having full coverage and it’s treated like liability. I’ll never go to them or recommend them to anyone.
1
July 28, 2020

NevadaPolicyHolder

Avoid Go Auto

The premium was not any cheaper than a major company with much better customer service. What is worse is they have a brutal cancelation policy. I had an autopay not go through causing my cancelation after 10 days. This cost me $500 in fines in the state of Nevada. It is not worth saving $5-$10 a month to have no customer service and no notification if your policy is canceled. I wouldn't go as far as to call them a scam, but I would say they are n...
The premium was not any cheaper than a major company with much better customer service. What is worse is they have a brutal cancelation policy. I had an autopay not go through causing my cancelation after 10 days. This cost me $500 in fines in the state of Nevada. It is not worth saving $5-$10 a month to have no customer service and no notification if your policy is canceled. I wouldn't go as far as to call them a scam, but I would say they are not conducting business in an ethical way.
5
March 29, 2020

hsigler1972

Choose goauto

Love the price and application process would highly recommend this insurance especially if you are in need of it right away
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