GoAuto Insurance Review 2024

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Written by Ryan Brady
Lead Writer
Profile photo of Ben Moore
Edited by Ben Moore
Assistant Assigning Editor
Fact Checked

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GoAuto

GoAuto offers a barebones option, but other companies have lower customer complaints and offer more discounts.

Discounts

Very few discounts

Ease of use

Average

NAIC complaints

More than expected

GoAuto

GoAuto offers a barebones option, but other companies have lower customer complaints and offer more discounts.

Discounts

Very few discounts

Ease of use

Average

NAIC complaints

More than expected

NerdWallet was not able to rate GoAuto for overall performance because there is no financial strength rating information available for the company. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

GoAuto Insurance is a Louisiana-based auto insurance company that offers bare-bones car insurance for drivers in Louisiana, Nevada, Ohio and Texas. GoAuto says it is a low-cost insurance company: It allows drivers to purchase policies directly from the company instead of through commission-incentivized insurance agents. You can get a quote on both the website and mobile app, by calling GoAuto or visiting a local GoAuto office.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.

In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:

Financial strength. We use A.M. 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 both the kind of discounts a company offers and the total number of discounts available.

Compare to other insurers

Current Product

GoAuto Insurance
Fred Loya Auto Insurance
Dairyland Auto Insurance
NerdWallet rating 

3.0

/5

Complaints to NAIC 

More than expected

Complaints to NAIC 

Far more than expected

Complaints to NAIC 

More than expected

Ease of use 

Average

Ease of use 

Below average

Ease of use 

Average

Discounts 

Very few discounts

Discounts 

Very few discounts

Discounts 

Very few discounts

Bottom line 

GoAuto offers a barebones option, but other companies have lower customer complaints and offer more discounts.

Bottom line 

High-risk drivers may be able to find coverage, but Fred Loya’s past legal issues and customer complaints make this company a difficult one to recommend.

Bottom line 

Dairyland specializes in high-risk drivers, but with more complaints than expected, you may find better coverage elsewhere.

GoAuto insurance coverage

When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

GoAuto Insurance offers minimal auto insurance coverage. Liability coverage is included in every policy, while collision and comprehensive coverage, medical payments and uninsured and underinsured motorist coverage may be additional options. Depending on your state, other coverage options may also be available.

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See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

Auto insurance discounts

You may be able to get the following discounts for:

  • Being a good student.

  • Completing a driver training course.

  • Insuring multiple cars.

  • Being married.

  • Owning a home.

  • Switching to GoAuto from another insurance company.

🤓Nerdy Tip

First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.

Complaints

GoAuto had more than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

More about GoAuto insurance

Website: While GoAuto’s website offers minimal information about the coverage it offers, you can get a quote, file a claim, find a nearby office and make a bill payment. 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.

Frequently asked questions

Yes, GoAuto offers non-owner coverage to drivers who don’t own a car, but need coverage while driving.

GoAuto sells car insurance in Louisiana, Nevada, Ohio and Texas.

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.

In this review . . .