GoAuto Insurance Review 2022

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Our Take


NerdWallet rating 

The bottom line:

GoAuto may be a cheap option, but other companies have lower customer complaints and offer more discounts.

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GoAuto Insurance
NAIC complaints
More than expected
Ease of use
Below average
Very few discounts

Pros & Cons


  • Get a quote from the website or mobile app.
  • File and track a claim through the website or mobile app.
  • The website is also available in Spanish.


  • Available only in Louisiana, Nevada, Ohio and Texas.
  • Website offers little transparency of available coverage.
  • More complaints than expected relative to its size.

Full Review

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.

GoAuto insurance coverage

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy type; it's a combination of coverage types, like liability, collision and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:

Coverage type

What it pays for


Bodily injury and property damage liability

Costs for injuries, deaths or property damage from an accident you caused.

Typically required.

Uninsured or underinsured motorist coverage

Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all.

Often required.

Collision coverage

Repair expenses from traffic-related accidents, regardless of who's at fault.

A car loan or lease may require it.

Comprehensive coverage

Repair costs from events outside of your control, including weather events, hitting an animal while driving, theft and vandalism.

A car loan or lease may require it.

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.

Additional coverage could include:

  • Towing coverage covers towing and breakdown costs from a dead battery, flat tire or getting locked out of your car.

  • Rental reimbursement can pay for a rental car while yours is in the shop for a covered claim.

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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 an active military member.

  • Safe driving habits.

  • Driving a car with anti-lock brakes and air bags.

  • Insuring multiple cars.

  • Switching to GoAuto from another insurance company.

Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.


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.


Auto insurance ratings

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.

Insurer complaints

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. 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. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Frequently asked questions