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GoAuto Insurance Review 2024
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Lead Writer | Small business, Insurance
Assistant Assigning Editor | Auto insurance
GoAuto
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Get a quote from the website or mobile app.
- File and track a claim through the website or mobile app.
- The website is also available in Spanish.
Cons
- Available only in Louisiana, Nevada, Ohio and Texas.
- Website offers little transparency of available coverage.
- More complaints than expected relative to its size.
GoAuto
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Get a quote from the website or mobile app.
- File and track a claim through the website or mobile app.
- The website is also available in Spanish.
Cons
- Available only in Louisiana, Nevada, Ohio and Texas.
- Website offers little transparency of available coverage.
- More complaints than expected relative to its size.
NerdWallet was not able to rate GoAuto for overall performance because there is no financial strength rating information available for the company. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
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.
» MORE: Best car insurance companies
In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:
Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.
Compare to other insurers
Current Product
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NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. 4.0 /5 | ||
Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. More than expected | Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far more than expected | Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. More than expected |
Ease of use Ratings are determined by our editorial team. Our "ease of use" category looks at factors such as website transparency and how easy it is to file a claim. Below average | Ease of use Ratings are determined by our editorial team. Our "ease of use" category looks at factors such as website transparency and how easy it is to file a claim. Above average | Ease of use Ratings are determined by our editorial team. Our "ease of use" category looks at factors such as website transparency and how easy it is to file a claim. Above average |
Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Very few discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts |
Bottom line GoAuto offers a barebones option, but other companies have lower customer complaints and offer more discounts. | Bottom line High-risk drivers may be able to find coverage, but Fred Loya’s past legal issues and customer complaints make this company a difficult one to recommend. | Bottom line Dairyland specializes in high-risk drivers, but with more complaints than expected, you may find better coverage elsewhere. |
GoAuto insurance coverage
When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
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.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.» MORE: Compare car insurance rates
Auto insurance discounts
Go Auto Insurance does not provide information regarding car insurance discounts on its website.
First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for 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.
Yes, GoAuto offers non-owner coverage to drivers who don’t own a car, but need coverage while driving.
GoAuto sells car insurance in Louisiana, Nevada, Ohio and Texas.
You can buy a car insurance policy from GoAuto online, through the company’s mobile app, over the phone or in-person at a GoAuto store.
Yes, GoAuto offers
non-owner coverage
to drivers who don’t own a car, but need coverage while driving.
GoAuto sells car insurance in Louisiana, Nevada, Ohio and Texas.
You can buy a car insurance policy from GoAuto online, through the company’s mobile app, over the phone or in-person at a GoAuto store.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
In this review . . .