Go Auto Insurance Review 2025

YourPocket’s Rating: Good

GoAuto Insurance is a relatively new player in the insurance market but has quickly gained recognition for providing affordable and straightforward car insurance options. In this comprehensive GoAuto Insurance review, we’ll delve into who this insurance company is best suited for, the various coverage options they offer, and the perks of being a GoAuto customer. Additionally, we’ll explore customer reviews and ratings from J.D. Power, NAIC, and AM Best to give you a clear picture of GoAuto Insurance’s reputation and reliability.

Target Audience

GoAuto Insurance is designed for drivers seeking low-cost, no-frills car insurance. Here’s a breakdown of who might find GoAuto Insurance particularly appealing:

• Budget-Conscious Drivers: Those looking for affordable car insurance without unnecessary add-ons.
• High-Risk Drivers: Individuals with less-than-perfect driving records who need insurance coverage.
• First-Time Car Owners: New drivers who require basic insurance coverage at a low cost.
• Residents in Specific States: Primarily those living in Louisiana, Texas, Nevada, and Ohio, where GoAuto operates.

Coverage Options

Basic Car Insurance Coverage

GoAuto Insurance provides all the essential car insurance coverage options required by law, which include:

• Liability Coverage: Protects against bodily injury and property damage claims from others if you’re at fault in an accident.
• Uninsured/Underinsured Motorist Coverage: Covers your expenses if you’re hit by a driver who has no insurance or insufficient insurance.
• Medical Payments Coverage: Pays for medical bills incurred by you and your passengers after an accident.

Comprehensive and Collision Coverage

For more extensive protection, GoAuto offers comprehensive and collision coverage options:

• Collision Coverage: Pays for damage to your car resulting from a collision with another vehicle or object.
• Comprehensive Coverage: Covers non-collision-related damages such as theft, vandalism, natural disasters, and more.

Add-Ons and Additional Coverage Options

While GoAuto Insurance focuses on providing basic coverage, they also offer a few add-ons to enhance your policy:

• Roadside Assistance: Provides services like towing, battery jump-starts, and flat tire changes.
• Rental Reimbursement: Covers the cost of a rental car while your vehicle is being repaired after a covered claim.

Perks of Being a GoAuto Customer

Low-Cost Insurance

GoAuto Insurance prides itself on offering affordable car insurance rates. They achieve this by eliminating the middleman and selling directly to consumers, which helps keep costs down. This makes GoAuto an attractive option for drivers seeking affordable car insurance.

Flexible Payment Plans

GoAuto provides flexible payment plans, allowing customers to choose the payment schedule that best fits their budget. This flexibility helps ensure that car insurance remains affordable and accessible.

Local Presence

GoAuto Insurance has a strong local presence, particularly in Louisiana and Texas, with offices in major cities like Baton Rouge and New Orleans. This local focus allows them to better understand and meet the specific needs of drivers in these areas.

User-Friendly Mobile App

GoAuto’s mobile app offers a convenient way to manage your insurance policy. Through the app, you can make payments, view your policy details, and file claims. The app is available for both Apple and Android devices, ensuring a smooth user experience.

Dedicated Customer Service

GoAuto Insurance is known for its dedicated customer service. Customers can reach out via phone, in-person visits, or through the mobile app for assistance. The company’s customer service team is trained to provide quick and effective support, making the insurance process as seamless as possible.

Customer Reviews and Ratings

Customer Reviews

Customer reviews for GoAuto Insurance are generally positive, with many customers praising the company for its low rates and straightforward policies. Common themes in customer reviews include:

• Affordability: Many customers appreciate the low-cost insurance options that GoAuto provides.
• Customer Service: Positive reviews often highlight the helpful and responsive customer service team.
• Ease of Use: The mobile app and website are frequently mentioned for their user-friendly interfaces.

However, some customers have noted that the basic coverage options might not be sufficient for those looking for more comprehensive insurance policies.

J.D. Power Ratings

GoAuto Insurance has not yet been extensively rated by J.D. Power due to its relatively recent entry into the market. However, initial feedback suggests that the company performs well in customer satisfaction, particularly in areas such as pricing and policy offerings.

NAIC Ratings

The National Association of Insurance Commissioners (NAIC) evaluates insurance companies based on their complaint ratios. GoAuto Insurance has a complaint ratio that is below the national average, indicating a high level of customer satisfaction and effective complaint resolution.

AM Best Ratings

GoAuto Insurance has not been rated by AM Best. This absence of a financial strength rating may be a consideration for some potential customers, as AM Best ratings are often used to gauge the financial stability of insurance companies.

GoAuto Insurance Review Summary

GoAuto Insurance offers a streamlined and affordable option for car insurance, making it an excellent choice for budget-conscious drivers. Here’s a summary of what GoAuto has to offer:

• Affordable Car Insurance: GoAuto provides low-cost car insurance options by eliminating the middleman and selling directly to consumers.
• Basic and Essential Coverage: The company offers all the necessary coverage options, including liability, uninsured/underinsured motorist, and medical payments coverage.
• Additional Coverage Options: While focused on basic coverage, GoAuto also offers add-ons like roadside assistance and rental reimbursement.
• User-Friendly Mobile App: The GoAuto mobile app allows customers to manage their policies, make payments, and file claims conveniently.
• Strong Local Presence: With a significant presence in Louisiana and Texas, GoAuto can cater to the specific needs of drivers in these regions.
• Positive Customer Reviews: Customers appreciate GoAuto’s affordability, customer service, and ease of use.

Final Thoughts

Choosing the right car insurance company is essential for protecting your vehicle and finances. GoAuto Insurance stands out as a reliable and affordable option, particularly for drivers seeking basic coverage at a low cost. With positive customer reviews, a user-friendly mobile app, and a strong local presence, GoAuto Insurance is well worth considering for your car insurance needs.

For more information or to get a personalized insurance quote, visit the GoAuto Insurance website at goautoinsurance.com or contact a local insurance agent. By exploring GoAuto Insurance’s offerings and understanding their benefits, you can make an informed decision that ensures you and your vehicle are well-protected.