GoAuto Insurance company is a car insurance provider that touts low-cost insurance policies in Louisiana, Nevada, Ohio, and Texas. While it is a low-cost option compared to the average on first look customer reviews are scathing and ratings by organizations like AM say that its services are lackluster. But is this truly the case?

In this review, we will examine GoAuto Insurance reviews, cost, and coverage options so you can get a clear picture of its services and decide if they are worth the low cost. While reviewing the industry’s best car insurance companies, we found that GoAuto Insurance falls short in many regards. Read on to learn more.

Compare Car Insurance Rates
Get matched with a top provider and compare instant quotes in just a few clicks
Why Trust Our Review Team Our review team has spent hundreds of hours researching car insurance companies to help consumers choose the best coverage for their vehicles. Writers and editors evaluate each brand based on industry data and real customers’ experiences, meeting high editorial standards to keep readers informed.
Reviews Analyzed
8,500+ Customers Surveyed
Research Hours
470 Research Hours
Companies Reviewed
31 Companies Reviewed

GoAuto Insurance Review

In our review of GoAuto Insurance company, we rate it 2.5 out of 5.0 stars. It prides itself on below-average rates, but sometimes you get exactly what you pay for. With relatively poor customer reviews, an uncertain financial standing, and limited coverage options, GoAuto Insurance is a difficult provider to recommend.

Reviews Category

Rating Score









Overall Rating


About GoAuto Insurance Company

Founded: 2009
States available: Louisiana, Nevada, Ohio, Texas
Insurance types: Auto

GoAuto Insurance is a Baton Rouge, Louisiana-based company that specializes in low-cost insurance. While its below-average auto insurance rates stand out in pricey Louisiana, there’s customer service standards are average.

GoAuto Insurance Customer Reviews

Better Business Bureau (BBB) rating: A+
BBB complaints in the past three years: 4
Trustpilot rating: 3.2 out of 5.0

GoAuto Insurance’s satisfied customers speak highly of the company’s low prices. Negative GoAuto Insurance reviews mention poor customer service and a slow claims process.

My fiance was involved in a wreck almost two months ago caused by a lady insured by [GoAuto]… I am extremely upset, and very unhappy that I haven’t got any sort of response back yet.”
– Christian, BBB

“I have been trying for [three] days to get in contact with a claims adjuster on a claim that I was not at fault. My truck is not driveable and they have repeatedly ignored my phone calls even when I call the claims department directly.”
– Corey, BBB

GoAuto Insurance Cost And Discounts

GoAuto Insurance has affordable average rates. Louisiana, like the other states where GoAuto is available, is notorious for steep car insurance premiums. That’s why it’s nice to have a low-priced option available. Expect cheap car insurance rates from GoAuto Insurance, but understand that service may suffer as a result.

No matter which provider you choose, many factors can affect how much car insurance is. Below are a few of the most common:

  • Location: Premiums vary across state lines due to differing car insurance standards, crime statistics, and rates of uninsured motorists. While Louisiana, Nevada, and Texas have above-average car insurance prices, Ohio is one of the cheapest states. Residents of busy cities like New Orleans and Las Vegas also tend to pay higher rates than those who live in the country.
  • Age and gender: Younger men pay steep prices for car insurance, though premiums go down as drivers grow older.
  • Marital status: Married drivers are involved in less accidents than single drivers, so they pay lower prices on average.
  • Credit score: The lower your credit score, the higher your auto insurance rate will likely be.
  • Driving history: If you’ve got a history of car accidents or DUIs, expect to pay significantly higher car insurance premiums than the norm.
  • Vehicle type: If your car is new, a common target for car theft, or rated poorly for safety, expect to pay more on car insurance.

GoAuto Insurance Discounts

GoAuto Insurance lists no discounts on its website, though the provider is known to offer reduced rates for anti-lock brakes, anti-theft equipment, and good driving records. GoAuto Insurance only provides car insurance, so you won’t be able to bundle homeowners insurance, life insurance, or renters insurance together to lower your rates.

GoAuto Insurance Payment

You can make a GoAuto Insurance payment online through their self-service network on their website. You will need to have your policy number and personal information such as your address and name to sign up.

When you choose GoAuto Insurance, you’re all but assured to receive low-cost car insurance. Below, we’ll discuss whether the potential savings make the auto insurance company’s plans worth it.

Goauto Insurance Quote

You can get a GoAuto Insurance quote online on their website. You will need to provide your zip code and preferred method to receive the quote to get your rate.

When you choose GoAuto Insurance, you’re all but assured to receive low-cost car insurance but in the next section, we’ll discuss whether the potential savings make the auto insurance company’s plans worth it.

GoAuto Insurance Coverage

With a plan from GoAuto Insurance, you’ll receive minimal coverage at discount rates. Plans offered by the company nearly always have low policy limits and lack accident forgiveness. While this keeps costs down, it could negatively impact drivers after an accident.

Liability coverage comes standard with all GoAuto Insurance company plans, as it’s mandated by law. Customers have the option to reach full coverage by adding on comprehensive and collision coverage, as well as uninsured and underinsured motorist coverage, personal injury protection, and medical payments for additional fees.

GoAuto Insurance Standard Coverage Options


Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.


Collision insurance pays for damages that occur while your car is moving, either with another vehicle, a road hazard, or if you flip your vehicle.


Comprehensive insurance pays for damages to your own vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.

Uninsured/Underinsured Motorist

Uninsured/Underinsured motorist (UM/UIM) coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

Personal Injury Protection

Personal injury protection (PIP) pays the medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages.

Medical Payments

Medical payments (MedPay) covers medical bills for you and your passengers after an accident.

GoAuto Insurance: Coverage Add-Ons

Towing Coverage

Towing coverage takes care of the costs of having your car towed after a breakdown.

Rental Car Reimbursement

Rental car reimbursement pays for your transportation needs while your car is in the shop for repairs.

GoAuto Insurance Mobile App

The GoAuto Insurance app performs above the industry average, making it simple for customers to manage their policies. From their phones, GoAuto Insurance users can:

  • Get car insurance quotes
  • Purchase plans
  • Pay auto insurance bills
  • Submit and manage claims
  • Reach digital ID cards

There are mixed reviews about the GoAuto Insurance app’s ease of use. On Google Play, the app earned a solid 3.9 out of 5.0 stars from over 150 ratings. Things are a bit less rosy on the Apple Store, where over 40 reviewers gave the app an average score of 2.6 out of 5.0 stars. Overall, the GoAuto Insurance app should work fine for most customers.

GoAuto Insurance Reviews: Conclusion

We give GoAuto Insurance company 2.5 out of 5.0 stars due to its average customer service and limited coverage options. The company has excellent prices, so it could be a good choice if price is your largest consideration. But GoAuto Insurance has some downsides that can be difficult to ignore. While we don’t recommend GoAuto, we urge you to look around and compare provider quotes before committing to a policy offer.

Compare Car Insurance Rates
Get matched with a top provider and compare instant quotes in just a few clicks

GoAuto Insurance Company Competitors: Top Picks

If GoAuto Insurance isn’t right for you, there are plenty of highly rated insurers to choose from. Start shopping around by receiving no-obligation, free quotes from some of the country’s top providers.

Geico: Best Overall Provider

Geico is one of the largest auto insurance providers in the country for a reason. While some car insurance providers sacrifice satisfaction for low rates, Geico merges the two together.

Geico holds an A++ rating for financial strength from AM Best, meaning your coverage is safe with the company. Add an A+ rating from the BBB, and we found in our Geico insurance review that the company was an easy choice for the Best Overall Provider.

USAA: Best For Military Members

Some of the lowest auto insurance rates around can be found through USAA, which is one reason why it’s praised by so many customers. Another reason: its industry-leading customer service standards.

There’s a catch, though. Only military members and their families can use USAA, so make sure that you’re eligible before signing up. If you’re approved, however, we found in our USAA insurance review that it provides some of the highest-quality insurance plans on the market.

GoAuto Insurance Company: FAQ

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.