Goosehead Insurance Review
Goosehead is a broker that helps you compare quotes from different insurance companies. However, many people report poor customer service. You're probably better off getting coverage elsewhere.
Find Cheap Auto Insurance Quotes in Your Area
Goosehead acts as a middleman between you and various insurance companies. You give your info to Goosehead, and Goosehead gets quotes from several companies on your behalf. You can get quotes for multiple types of insurance, including auto, home, condo, renters, boat, umbrella and flood.
However, Goosehead isn't a good choice for most people. Many customers report difficulty getting the agents to contact them once they've bought a policy. This could lead to issues making changes to your coverage or even filing claims.
| Coverages | |
| Customer service | |
| Service area | |
| Unique value |
Pros and cons
Pros
- Lets you get quotes from several companies at once
- Offers quotes for multiple types of insurance coverage
- Available nationwide
Cons
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Customers often report having trouble reaching their agent
- Some customers report a one-time fee for starting a policy
What is Goosehead Insurance?
Goosehead Insurance is an insurance broker.
Brokers are able to get you quotes from multiple insurance companies at once, which can help you find the right coverage and rates for your needs. Your policies don't actually come from Goosehead; Goosehead is a middleman that sells you a policy from an insurance company.
With Goosehead, you can get quotes online or contact a local agency in your area.
Coverages you can get through Goosehead
Goosehead sells auto insurance policies to cover your car, truck, SUV, van or other regular vehicle.
If you own a boat, Goosehead can help you find coverage to protect it from damage and to cover you for injuries that you might cause.
Umbrella insurance gives you extra liability coverage if you're found at fault for someone's injuries or at fault for damaging someone's belongings.
If you own a home or rental building that you rent out to others, landlord insurance gives you coverage for the building and any possible issues that could happen while you're renting it.
Life insurance can help your family members or friends pay for your final expenses.
Whether you own a home or condo, you can get coverage for your home and belongings. You can also get coverage if you're a renter.
Goosehead can help you find an insurance policy for your toys, like motorcycles, golf carts, ATVs and snowmobiles.
Goosehead can help you find a flood insurance policy, which is especially important if your home is near a river, lake or the ocean, or if you're in a low-lying area that is prone to flooding.
Every farm is different, and Goosehead can help you find coverage for your specific situation.
If you own a business, you should have coverage for specific needs. This might include coverage for your business cars, the things you sell, or a building you rent or own.
You can also get other types of insurance from Goosehead, like coverage while you're building a home, as well as earthquake or wind insurance depending on where you live.
The exact types of coverage options on each policy will depend on the company you choose for your insurance. For example, Goosehead sells policies from Allstate, Nationwide and Travelers. Each company likely has slightly different coverage options and features.
Goosehead Insurance customer reviews
Customer reviews for Goosehead Insurance are usually negative.
Customers often say they can't reach their Goosehead agent once they've purchased a policy. They often report that the agent won't return calls or emails and is generally not communicating well.
This is why it may be a good idea to get your insurance from another agent or broker besides Goosehead. Poor customer service can be a real issue if you need to make changes to your policy or file a claim. Insurance changes and claims need to be dealt with quickly to make sure your coverage is in place and correct, and if you can't reach your agent, that can create delays.
Rates you could get through Goosehead
The rates you get through Goosehead will depend on the company you choose.
Your specific situation also impacts your rates. Your age, where you live, the coverage you need and the discounts you qualify for all affect how much you pay.
Average car and home insurance rates
Potential Goosehead insurance rates
Car insurance rates
Company | Min. cov. rate | Full cov. rate | |
|---|---|---|---|
| Mercury | $58 | $218 |
| Travelers | $68 | $173 |
| Progressive | $75 | $207 |
| Nationwide | $107 | $265 |
| Allstate | $113 | $282 |
Rates are national monthly averages for companies that Goosehead represents.
Home insurance rates
Company | Avg. annual rate | |
|---|---|---|
|
| Mercury | $1,452 |
|
| Allstate | $1,684 |
|
| Progressive | $2,027 |
|
| Travelers | $2,227 |
|
| Nationwide | $2,312 |
Rates are national annual averages for companies that Goosehead represents, and are for policies with $350,000 in dwelling coverage.
Discounts with Goosehead
You can usually get cheaper car insurance by using discounts. Goosehead represents multiple insurance companies, and the discounts will depend on each specific company.
Common car insurance discounts
The car insurance discounts you might get depend on the insurance company you choose from Goosehead. Many companies offer similar discounts, but some have more unique offerings.
- Multipolicy/bundling
- Multicar
- Safe driver/claims free
- Automatic payments
- Pay in full
- Good student
Common home and renters insurance discounts
Your home insurance discounts will vary depending on the company you choose. Some common discounts include:
- Multipolicy
- Roof age and type
- Alarm system
- Home renovations
- Claims free
- Loyalty
Frequently asked questions
Is Goosehead Insurance a pyramid scheme?
No, Goosehead isn't a pyramid scheme. Goosehead agencies are franchises, which means Goosehead lets agency owners use its brand in exchange for a fee and a portion of the money they make selling insurance policies.
Is Goosehead Insurance legit?
Goosehead is a legitimate insurance broker. This means it works with multiple insurance companies. That's different from what's called a captive agent, who only sells a single insurance company's policies.
Is Goosehead Insurance good?
The insurance you get from Goosehead might be good, but customers often report that the customer service is poor. It's probably a better idea to get quotes from a local independent insurance agency or gather them yourself online.
Methodology
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Other sources include the Better Business Bureau and Reddit reviews of Goosehead Insurance.
About the Author
Senior Writer
Cate Deventer is a Senior Writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
