GoAuto Insurance Review 2023

Ben Moore
By Ben Moore 
Edited by Caitlin Constantine

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Our Take

The bottom line:

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

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.

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.

GoAuto insurance coverage

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.

Auto insurance discounts

You may be able to get the following discounts for:

  • Being a good student.

  • Safe driving habits.

  • Completing a driver training course.

  • Insuring multiple cars.

  • 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.


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.


Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. 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 GoAuto’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.

Frequently asked questions