Is GoAuto Insurance Legit?

Last Updated on December 23, 2025

GoAuto Insurance is a regional auto insurer based in Baton Rouge, Louisiana, known for low-cost policies, flexible payment plans, and a mix of online/app access plus local storefront offices. If you’re shopping for budget-friendly coverage, it’s normal to wonder: is GoAuto legit—and what’s the catch?

Below is a practical, up-to-date look at how GoAuto works, what it typically covers, where it’s available, and what to double-check before you buy.

Key Takeaways

• GoAuto Insurance is legit: it’s a real, regulated regional auto insurer with online/app access and local storefront offices.
• GoAuto is best known for low-cost policies and flexible payment plans, but availability is regional and can vary by ZIP code.
• Coverage is typically centered on the essentials (liability plus optional collision and comprehensive), so confirm optional add-ons and policy types before buying.
• Before you commit, compare identical quotes from multiple insurers and research complaint patterns in your state—cheap insurance only helps if claims and billing are handled smoothly.

Is GoAuto Insurance legit?

Yes—GoAuto is a real, regulated auto insurance provider. Like any legitimate insurer, it’s subject to state insurance rules, must meet state financial and claims-handling requirements, and can only sell policies where it’s authorized.

• It’s a real insurer (not just a quote site): GoAuto’s quote disclosures indicate coverage is underwritten by GoAuto’s insurance entities (availability and underwriting can vary by state).
• You can verify licensing: If you want maximum peace of mind, look up GoAuto (and the exact underwriting company listed on your quote) on your state Department of Insurance website.
• BBB info is available: GoAuto has a BBB profile and rating (BBB ratings are not the same thing as a financial strength rating, but they can help you research complaint patterns). You can view it here: GoAuto Insurance on the BBB website.

GoAuto Insurance at a glance

Where is GoAuto available?

GoAuto is not a nationwide insurer. It focuses on specific states and markets. In many cases, your exact availability will depend on your address, driving profile, vehicle, and GoAuto’s current underwriting rules.

If you’re shopping in GoAuto’s core markets, you may also want to understand why rates can be so different across the region:

• Louisiana
• Nevada
• Texas
• Ohio

Tip: Even if GoAuto operates in your state, it may not be the best option in every ZIP code. Always run at least 2–3 comparison quotes with the same coverage limits so you’re comparing apples to apples.

What coverages does GoAuto offer?

GoAuto generally focuses on the core building blocks of auto insurance—coverage that helps you meet legal requirements and protect your vehicle if you add physical damage coverage.

• Liability insurance: Typically required by law and helps pay for injuries/property damage you cause to others.
• Collision coverage: Helps pay to repair/replace your car after an accident (usually with a deductible).
• Comprehensive coverage: Helps pay for non-collision losses like theft, vandalism, hail, falling objects, and animal hits (usually with a deductible).

Depending on your state and situation, GoAuto may also offer certain policy types and options (for example, filings like SR-22s or non-owner policies). Optional coverages can vary a lot by insurer—if you’re comparing companies, it helps to understand common auto insurance add-ons so you don’t accidentally buy less protection than you intended.

How much does GoAuto cost?

There’s no single “GoAuto price” that applies to everyone. Like all insurers, GoAuto pricing depends on your risk profile and the coverage you choose. The company positions itself as budget-friendly by keeping the buying process simple and emphasizing flexible payments.

Common factors that can push your price up or down include:

• Your vehicle (some models cost more to insure than others): how your car affects insurance rates
• Your driving history (tickets/accidents can matter a lot): quotes for drivers with bad driving records
• Your address and ZIP code: why ZIP code impacts auto insurance

Smart comparison: If you’re considering GoAuto mainly for price, also compare it to large low-cost carriers to see who really wins for your situation—start with companies like GEICO and Progressive using the same deductibles and limits.

How to get a quote and buy a GoAuto policy

GoAuto is set up for “buy direct” convenience. You can usually shop and purchase without needing a traditional commissioned agent, but you still have local office support if you prefer face-to-face help.

1. Online: You can start the process online (helpful if you want to buy auto insurance online and compare quickly).
2. By phone: Call to get help choosing limits, setting up payments, or purchasing coverage.
3. In person: Visit a local office if you want walk-in help with quotes, payments, or policy changes. If you’re weighing “direct vs. agent” insurance, this overview may help: is auto insurance cheaper through an agent?

Filing claims and handling customer service

Before you buy, it’s worth understanding how an insurer handles claims—because that’s when you find out what your “cheap insurance” really comes with.

GoAuto typically offers three main claim routes:

• Online: Submit a claim through the GoAuto claim form: Report a Claim.
• Mobile app: Report and track claims and upload photos/documents.
• Phone: Call 833-700-0000 to start a claim.

After a claim is reported, you’ll generally be assigned an adjuster who investigates, reviews coverage, and determines payment or responsibility based on the policy and state rules.

If you want to avoid delays, follow the proper steps for filing an insurance claim after an accident (photos, police report when appropriate, clear documentation, and quick follow-up).

And remember: not every claim is covered. If a claim is reduced or rejected, it’s usually tied to policy exclusions, coverage limits, or missing information—here’s a breakdown of how and why insurers can deny a claim.

Payments, billing, and policy management

GoAuto emphasizes flexible billing, which is often a big reason drivers choose it. Depending on your policy, you may be able to:

• Pay online or in the app (often the fastest option for avoiding late payments)
• Pay by phone during business hours
• Pay in person at a local office
• Mail a payment (slower, but useful if you don’t use online payments)

Pros and cons of GoAuto Insurance

Advantages

• Budget-focused: Designed for drivers who want basic coverage with manageable payment options.
• Multiple ways to manage your policy: Online, app, phone, and in-person office support.
• Simple coverage approach: Helpful if you mainly need core protection (liability and—if you want it—collision/comprehensive) without a long menu of extras.

Disadvantages

• Not available everywhere: GoAuto’s footprint is regional, which can be a downside if you relocate or spend long stretches out of state. If you’re moving, read this first: can you keep the same car insurance if you move to another state?
• Fewer “extras” than many national carriers: If you want lots of add-ons and premium perks, you may find better fits elsewhere.
• Mixed customer service feedback: Budget insurers often get complaints about communication, claim delays, or billing confusion. Always test-drive customer support before buying (call, ask questions, see how fast you get answers).

How to decide if GoAuto is right for you

1. Pick your coverage first (limits, deductibles, full coverage vs. minimum). Then shop price.
2. Compare at least 2–3 quotes using the exact same limits and deductibles.
3. Check complaint patterns where you live: Many state insurance departments publish complaint data. For Louisiana, the Department of Insurance complaint index tool is here: LDI Complaint Index.
4. Call before you buy: Ask how claims are handled, what documents you’ll need, what’s excluded, and how policy changes work.

How to cancel GoAuto (and avoid coverage gaps)

If you decide to switch companies, avoid canceling first and shopping later. A lapse can cause higher rates and even license/registration issues in some states.

1. Start your new policy first (effective date set before or on the same day your GoAuto policy ends).
2. Then request cancellation through GoAuto by phone or in a local office. If you use autopay, make sure you confirm the cancellation is processed before you assume billing has stopped.
3. Ask about any refund if you prepaid. Depending on timing and state rules, you may qualify for a refund of unused premiums.

FAQs on GoAuto Insurance

Contact GoAuto Insurance

Website: https://get.goautoinsurance.com/

Claims phone: 833-700-0000

Toll-free customer support (agents): 888-566-5505

Claims page: https://www.goautoinsurance.com/Report-A-Claim.aspx

Mail payments to: APAC, P.O. Box 83827, Baton Rouge, LA 70884

Headquarters (per BBB listing): 533 Highlandia Drive, Suite A, Baton Rouge, LA 70806

Typical office hours: Monday – Friday 8:30am – 5:30pm, Saturday 10:00am – 2:00pm (hours may vary by location and are subject to change)