GoAuto insurance review

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GoAuto Insurance was founded in 2009 and exclusively sells car insurance to drivers in Louisana, Nevada, Ohio and Texas. It’s aim is to make car insurance as simple and affordable as possible for their customers online and through their mobile app, as well as a few in-person locations.

Unfortunately, there is limited information about GoAuto’s financials, discounts and auto insurance policy. Compared to other auto insurance companies, GoAuto Insurance offers bare bones insurance. But for drivers who want a cheap rate while willing to sacrifice coverage, GoodAuto Insurance might be a good option.

GoAuto car insurance

GoAuto Insurance’s aim is to make auto insurance as affordable as possible. 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, there is very little information about what its auto insurance policies include and what add-on coverages are available. Drivers looking for comprehensive and more robust car insurance policies may prefer to look elsewhere, as GoAuto Insurance is best suited for drivers on a tight budget and only in need of basic coverage.

Types of coverage

GoAuto Insurance offers no-frills full coverage and minimum coverage that meets state requirements. The available options include collision, comprehensive, liability, medical payments and uninsured/underinsured motorist coverage. Rental car coverage appears to be a separate option that can be added for an additional price. It is unclear if other coverage options, like towing or roadside assistance, are also available.


Very little information is available about GoAuto Insurance’s discounts. As they only offer auto insurance, drivers will not be able to obtain additional savings through a multiple policy discount by bundling their homeowners or renters policies with a single company. 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 ratings, reviews, customer satisfaction and complaints

Just as there is little information about GoAuto Insurance’s auto insurance policies, there is also very little about its ratings from trusted third-party organizations that rate insurance companies on customer satisfaction and financial strength. The company is not rated by S&P or J.D. Power and its AM Best financial strength ratings are not public.

One available rating is the National Association of Insurance Commissioners’ (NAIC) Complaint Index. GoAuto received a score of five, indicating that they have five times as many complaints as other insurance companies of a similar size.

Reasons why GoAuto is a great option

GoAuto Insurance may be an option for drivers who are looking for extremely affordable car insurance from a regional company. The average cost of car insurance in the United States for a full coverage policy is $1,674 per year and $565 per year for a minimum coverage policy. It is possible that GoAuto’s policy may be cheaper, but as there is little information about their policies and costs, it is unclear. Your individual rates may also vary based on the type of vehicle you own and your ZIP code, among other factors.

GoAuto Insurance may not be a good fit for drivers looking for customizable coverage. Anyone looking for add-ons like roadside assistance, gap insurance, new car replacement coverage or OEM coverage may not find what they are looking for.

Additionally, GoAuto Insurance only offers coverage in four states. Unless you live in Louisiana, Nevada, Texas or Ohio, you cannot purchase a policy from the company. Drivers shopping for affordable insurance in one of the other 47 states will need to look elsewhere.

Frequently asked questions

What is the best auto insurance company?

The best auto insurance company will be different for every driver depending on their needs. It can help to think about what you need from an insurance company, such as responsive in-person customer service, customizable coverage options or online accessibility. That can help you decide which auto insurance providers to get a quote from.

Does GoAuto work with live agents?

Yes, GoAuto Insurance does have live agents located throughout Louisiana, Nevada and Ohio. You can use the online locator to find a GoAuto office near your ZIP code. However, GoAuto’s mobile app allows customers to purchase and manage a policy without working directly with an agent.

Does GoAuto offer non-standard insurance?

Though not widely advertised, GoAuto Insurance does mention on their website that it can issue SR-22 and nonowners’ auto insurance policies. It advises that this will depend on each driver’s situation, so the best way to know if you qualify is to obtain a quote.