GoAuto
Not yet rated
- Website and mobile app allow you to get a quote, manage your policy and make claims online.
- Offers SR22 filing services.
- The website is also available in Spanish.
- Few options offered to customize coverage.
- Receives far more complaints than expected relative to its size.
- Available in only six states.
NerdWallet's take on GoAuto car insurance
We were unable to rank GoAuto in our analysis of car insurance companies because there is no financial strength information available for it. In the areas where we rated GoAuto, it earned low marks compared to other insurers for customer experience, complaints and its discount offerings.
Best for: Drivers who want very basic car insurance and haven’t been able to get coverage elsewhere.
Not ideal for: Drivers looking for a company that’s highly rated for providing a quality customer experience.
Where GoAuto auto insurance stands out
Mobile app and website capabilities. You can use GoAuto’s website and mobile app to get a quote, manage your policy, file a claim and set up payments.
SR22 filing. GoAuto offers SR22 filing services to some drivers. This service could be an essential part of getting your license back after it’s suspended for a DUI or another serious driving violation.
Where GoAuto auto insurance falls short
Few coverage options. GoAuto likely isn’t the right insurance company for you if you’re looking to personalize your policy optional forms of coverage. While GoAuto does offer full coverage in each of the states where it operates, it doesn’t offer other add-ons.
Poor complaint ratio. GoAuto has gotten far more complaints to state regulators than expected for the insurer’s size. This could reflect dissatisfaction with GoAuto’s claims process.
See what you could save on car insurance
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GoAuto auto insurance discounts
GoAuto doesn’t offer nearly as many discounts as other insurance companies. That said, depending on your state and your policy, GoAuto may offer you a discount for:
Paying your entire premium at once when you start your policy.
Choosing to have your car’s repairs done with aftermarket instead of original parts.
GoAuto specializes in offering minimum coverage car insurance, the coverage that your state requires to drive. This is the cheapest car insurance that you can get. But if you can afford it, it’s worth getting more coverage. The minimum insurance that your state requires likely wouldn’t provide enough coverage after a serious accident.
GoAuto auto insurance coverage
GoAuto offers minimal car insurance coverage. Every policy has liability coverage, while other standard types of car insurance coverage, including comprehensive and collision coverage, may be available depending on the state where you live.
GoAuto doesn’t offer the range of optional types of car insurance you might find at other insurers. That said, you may specify whether you want original or aftermarket parts used in your car’s repairs — sometimes offered as separate add-on coverage at other insurers.
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Make sure to compare car insurance rates from multiple companies before buying a policy. Since insurance companies set their prices differently, one insurer may offer more coverage than another at a price that’s much cheaper.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Is GoAuto a good insurance company?
We weren’t able to rate GoAuto because there’s no financial strength information available for it. But unless you’re looking for bare-bones car insurance and you can’t afford another option, it’s worth checking out other companies.
Complaints: GoAuto receives far more complaints than expected for its size, according to data from the National Association of Insurance Commissioners.
More information about GoAuto car insurance
Customer service: Call 833-700-0000 to reach GoAuto. You can also ask questions by using a contact form on GoAuto’s website.
Website: GoAuto’s website offers minimal information about the coverage it offers. But you can get a quote, file a claim, find a nearby office and make a payment online. Plus, a Spanish version of the website is available.
Mobile app: GoAuto’s mobile app is available for both Apple and Android. It allows customers to get a quote, view ID cards, buy or renew a policy, pay a bill, view a current policy and corresponding documents, and file and track a claim.
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
Does GoAuto offer non-owners auto policies?
Does GoAuto offer non-owners auto policies?
Yes, GoAuto offers non-owner coverage to drivers who don’t own a car, but need coverage while driving.
Where are GoAuto policies available?
Where are GoAuto policies available?
GoAuto sells car insurance in Florida, Georgia, Louisiana, Nevada, Ohio and Texas.
Where can you buy GoAuto policies?
Where can you buy GoAuto policies?
You can buy a car insurance policy from GoAuto online, through the company’s mobile app, over the phone or in-person at a GoAuto store.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
We used a 2023 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
Auto insurance survey methodology
The opt-in survey of 7,503 U.S. adults ages 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2024. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy within the past 12 months, with at least some changes to the original policy. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.
Only brands with 100 or more qualifying respondents are reported. Of those respondents: 300 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were GEICO customers, 100 were USAA customers, 157 were AAA customers, 100 were Liberty Mutual customers, 100 were American Family customers, 100 were Farmers customers, 100 were Travelers customers and 101 were Nationwide customers.
