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GoAuto insurance review

Black daughter drives while her mother is in the passenger side on the phone. They are both laughing and smiling.
Peathegee Inc/Getty Images
Black daughter drives while her mother is in the passenger side on the phone. They are both laughing and smiling.
Peathegee Inc/Getty Images
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GoAuto Insurance was founded in 2009 and exclusively sells car insurance to drivers in Louisiana, Nevada, Ohio and Texas. Its aim is to make car insurance as simple and affordable as possible for its customers online and through its mobile app, as well as a few in-person locations. Our GoAuto Insurance review might help you decide if the company is a good fit for your needs.

Perks Drawbacks
Online quote available No third-party ratings
Agency locations available Limited coverage options

GoAuto may be a good choice for drivers in Louisiana, Nevada, Ohio and Texas looking for basic car insurance coverage at a low cost. Although rate data is not available for GoAuto, the company does claim to focus on low-cost coverage. However, there are no third-party ratings about GoAuto’s customer satisfaction, and the coverage offerings are minimal.

GoAuto car insurance

GoAuto Insurance’s aim is to make auto insurance as affordable as possible, which means it could be a good choice for budget drivers. They do so by using non-commissioned agents and cutting out expensive add-ons. Drivers can also create custom payment plans and choose their own payment dates. GoAuto’s online portal and mobile app make quoting, policy management and payments very accessible.

However, compared to other auto insurance companies, GoAuto Insurance offers bare bones insurance, specifically noting that it does not offer what it considers to be expensive endorsements. For drivers who want a cheap rate and may be willing to buy less coverage, GoAuto could be a good solution. However, drivers looking for more robust car insurance policies may prefer to look elsewhere, as GoAuto Insurance is likely best suited for drivers on a tight budget and only in need of basic coverage.

GoAuto car insurance cost

Rates for GoAuto’s car insurance are not available. However, the national average cost of car insurance is $1,771 per year for full coverage and $545 per year for minimum coverage. Your rates will vary based on your individual circumstances and personal rating factors. The table below shows the average full coverage premiums in the nation for a variety of policy rating metrics.

National average annual full coverage premium
Clean driving history $1,771
Speeding ticket conviction $2,138
At-fault accident $2,521
16-year-old driver added to married parents’ policy $3,852

GoAuto car insurance discounts

Very little information is available about GoAuto Insurance’s discounts. As they only offer auto insurance, drivers will not be able to obtain additional car insurance savings through a multiple policy discount, because GoAuto only offers auto insurance. It is possible the company does not offer many discounts on its auto policies because the policies are already bare-bones and designed to be cheap.

GoAuto car services

GoAuto does not offer any additional products or services in addition to auto insurance.

GoAuto social responsibility

GoAuto doesn’t include much information about social responsibility on its website, but it does specifically call out its belief in local businesses on its homepage. The company offers numerous agency locations in Louisiana, and a handful in Ohio, Nevada and Texas. These local agencies could help support the communities that they serve.

Not sure if GoAuto is right for you? Consider these alternatives

If GoAuto doesn’t seem like the right fit for your needs, you may want to get quotes from other carriers that offer low-cost coverage. Here are some options to consider:

  • Geico: Geico is a national carrier and one of the best car insurance companies around, according to Bankrate’s research. If you’re looking for cheap coverage but don’t live in a state where GoAuto operates, Geico could be a good option; the carrier has low average rates and a long list of discounts.
  • Good2Go: Good2Go specializes in coverage for high-risk drivers, who may be more apt to search for lower policy limits to save money. The carrier is available in more states than GoAuto but offers similar, basic coverage.
  • SafeAuto: Like GoAuto, SafeAuto’s mission is to sell affordable coverage. The carrier specializes in state minimum coverage, which may save you money but also provides very little financial protection.
Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by
Insurance Editor