GoAuto Insurance Review 2026: The Shocking Truth Behind “Cheap” Rates 🚨
🔍 What Is GoAuto Insurance? (The Unfiltered Version)
GoAuto Insurance is a budget car insurance company operating in just 6 states: Alabama, Georgia, Louisiana, Nevada, Ohio, and Texas. Sounds great, right? Low premiums, quick quotes, easy signup.
But here’s the catch nobody talks about: GoAuto specializes in bare-minimum coverage for high-risk drivers—people who’ve been rejected by major insurers like State Farm, GEICO, or Progressive.
💰 GoAuto Insurance Cost: Are You REALLY Saving Money?
GoAuto advertises low rates ranging from $95 to $160 per month. Sounds amazing compared to the national average of $217/month for full coverage, right?
Wrong. Here’s why:
🧮 True Cost Calculator
Calculate what you’ll ACTUALLY pay after claims delays:
Rate Comparison: GoAuto vs. Competitors
| Company | Avg Monthly Rate | Customer Rating | Claim Processing |
|---|---|---|---|
| GoAuto | $95-$160 | ⭐ 1.3/5 | 🔴 8+ months |
| Direct Auto | $123 | ⭐⭐⭐ 3.0/5 | 🟡 2-4 weeks |
| AssuranceAmerica | $178 | ⭐⭐⭐⭐ 3.8/5 | 🟢 1-2 weeks |
| GEICO | $145 | ⭐⭐⭐⭐ 4.2/5 | 🟢 3-7 days |
📋 Coverage Options: What You Get (and What You DON’T)
GoAuto offers the absolute minimum required by law in your state. That’s it. Here’s what that actually means for you:
- Bodily Injury Liability: Covers injuries you cause to others (state minimum only)
- Property Damage Liability: Pays for damage to other people’s property
- Uninsured Motorist Coverage: If required by your state
- Comprehensive: Available in some states (extra cost)
- Collision: Available in some states (extra cost)
- Roadside Assistance (seriously!)
- Rental Car Reimbursement
- Gap Insurance
- New Car Replacement
- Accident Forgiveness
- Any meaningful discounts
Translation: If your car breaks down, you’re on your own. Need a rental while yours is being repaired? Pay out of pocket.
😱 Real Customer Reviews: The Horror Stories
Forget the marketing fluff. Here’s what real customers are saying:
The Numbers Don’t Lie:
- ⭐ 1.09/5 on Better Business Bureau (BBB)
- ⭐ 1.3/5 on Yelp (from 50+ reviews)
- 📱 2.1/5 on Apple App Store
- 📱 2.6/5 on Google Play
- 🚨 2.70 NAIC complaint ratio (170% higher than expected!)
✅ Pros and Cons: The Honest Breakdown
✅ Pros
- Low premiums (for basic coverage)
- Accepts high-risk drivers
- Quick online quotes
- Mobile app available
- SR-22 filing for license reinstatement
❌ Cons
- TERRIBLE customer service
- Claims take 8+ months
- 270% more complaints than expected
- No roadside assistance
- Bare-minimum coverage only
- Available in only 6 states
🚗 Claims Process: What to ACTUALLY Expect
GoAuto’s website makes filing a claim sound easy: call, submit online, or use the app. Simple, right?
Reality check: Based on real customer experiences, here’s the typical timeline:
📝 GoAuto Claims Process Reality Checklist
Compare this to GEICO or State Farm where most claims are resolved in 3-14 days. Is saving $30/month worth 8 months of stress?
🆚 GoAuto vs. The Competition (Who ACTUALLY Wins?)
Let’s be brutally honest. How does GoAuto stack up against insurers that don’t make you want to pull your hair out?
For High-Risk Drivers:
- Direct Auto: Similar rates ($123/mo avg), WAY better claims service (3.0/5 rating vs 1.3/5)
- The General: Specializes in high-risk drivers with 24/7 customer support
- Bristol West: More coverage options, better reputation
For Budget-Conscious Drivers:
- GEICO: Only $20-40 more per month, 5-star claims service
- Progressive: Snapshot discount can save you money, excellent app
- State Farm: Local agent support, bundling discounts available
📍 Where Can You Buy GoAuto Insurance?
GoAuto operates in just 6 states:
- 🏛️ Alabama
- 🍑 Georgia
- 🎷 Louisiana
- 🎰 Nevada
- 🌰 Ohio
- 🤠 Texas
If you’re in one of these states, you have 44+ other states’ worth of insurers that operate nationally with better reputations. Just saying.
❓ FAQ: Your Burning Questions Answered
GoAuto is technically legitimate—they’re a licensed insurer with no fraud history. But “legit” doesn’t mean “good.” With a 1.3-star rating and 270% more complaints than expected, they’re legally operating but failing customers spectacularly. Similar to how some questionable online stores are “technically” legal but still terrible.
GoAuto cuts costs by offering bare-minimum coverage, no commissioned agents, and minimal customer service infrastructure. You’re not getting a “deal”—you’re getting exactly what you pay for: the absolute minimum.
Barely. Unlike competitors offering 10-15 different discounts (safe driver, multi-car, bundling, etc.), GoAuto advertises virtually NO discounts. You might get a small break for paying in full or using aftermarket parts. That’s it.
Yes! Call 1-833-700-0000 to cancel. Pro tip: Have your new policy active BEFORE canceling to avoid coverage gaps. Many customers switch to more reliable options within the first 6 months.
Honestly? Only if you meet ALL of these criteria:
- You’ve been rejected by every other insurer
- You only need state-minimum liability
- You rarely drive your car
- You have extreme patience for customer service issues
- You can afford to pay out-of-pocket if claims take 8+ months
If you answered “no” to ANY of the above, look elsewhere.
🎯 Final Verdict: Should You Buy GoAuto Insurance?
Let’s cut to the chase.
GoAuto Insurance is like buying a $5 burger from a sketchy food truck. Sure, it’s cheap. But when you’re dealing with food poisoning (or in this case, 8-month claims delays), that $10 you saved suddenly seems irrelevant.
- 270% more complaints than normal insurers
- Calling “every day all day” for 8 months
- 1.3-star customer ratings
- Zero roadside assistance or helpful add-ons
- Bare-minimum coverage that leaves you vulnerable
🏆 Better Alternatives to Consider:
- GEICO — Only slightly more expensive, 5-star service
- Direct Auto — Similar niche (high-risk drivers), better reviews
- Progressive — Usage-based discounts, excellent claims process
- State Farm — Local agent support, comprehensive coverage
- The General — Specializes in high-risk drivers with better service
💬 Have You Used GoAuto? Share Your Experience!
Have you dealt with GoAuto Insurance? Did your experience match the horror stories above, or did you luck out? Drop a comment below and help others make informed decisions!
🔍 Related Reading:
- Goldstone Financial Group Reviews — Legitimate financial services explained
- 10 Tips to Shop Safer Online — Protect yourself from scams
- Is Compryo Legit? — How to spot sketchy companies
