GoAuto Car Insurance Review (Ratings and Expert Insights)
GoAuto offers affordable car insurance. But it has limited coverage options, and some reviews cite unreliable customer service.
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Written byCarley Clark
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Carley ClarkInsurance Writer
5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
GoAuto is a small insurer that operates in only a handful of U.S. states.[1] It has a reputation for offering low rates — especially for drivers with a history of accidents or tickets. But GoAuto Insurance reviews from many customers report difficulty reaching customer service and a negative claims experience.
To help give you a comprehensive, data-driven look at GoAuto’s performance, this auto insurance review draws on industry rankings, customer feedback, and our expert analysis.
Here’s how GoAuto stacks up when it comes to cost, claims, and customer satisfaction.
Quick Facts
GoAuto sells auto insurance in Louisiana, Texas, Alabama, Georgia, Ohio, and Nevada.
The insurance company has an above-average number of complaints filed with the National Association of Insurance Commissioners (NAIC).
GoAuto is best for affordable, basic minimum coverage.
Our take on GoAuto car insurance
GoAuto is best for drivers who prioritize low premiums over access to additional features, such as roadside assistance. Its affordable rates may appeal to high-risk drivers struggling to find reasonably priced coverage elsewhere.[2]
That said, the trade-offs are clear. GoAuto Insurance mostly has negative reviews, and it offers limited coverage options. The company has a high number of customer complaints filed with the NAIC. GoAuto’s mobile apps also have low user satisfaction, with average star ratings of 2.1 out of 5 on the App Store and 2.6 out of 5 on Google Play.
If you’re simply looking for a policy with your state-minimum liability coverage, GoAuto could work. But if you’re looking for reliable customer service, comprehensive coverage, or a seamless claims process, you may want to consider more established insurers.
The company has a mixed reputation in the industry. While GoAuto’s average rates are low, its frequent complaints keep it behind many competitors.
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How real customers feel about GoAuto car insurance
GoAuto is a small insurer, so it has fewer customer reviews than larger insurance companies. But many GoAuto customers have reported negative experiences with claims handling, customer service, and more.
GoAuto has a rating of 1.09 out of 5 stars on the Better Business Bureau (BBB) website and 1.3 out of 5 stars on Yelp.
GoAuto industry ratings
Industry ratings can help drivers access an insurer’s financial strength, customer satisfaction, and overall reliability. These ratings can make it easier to compare companies side by side, by allowing you to spot potential red flags. You should choose an insurer that can pay claims and provide consistent service.
As a small insurance company, GoAuto doesn’t have some of these major industry ratings. Here’s an overview of the industry ratings GoAuto does and doesn’t have.
Rating  | Score | What This Means |
|---|---|---|
| AM Best | Not rated | No rating, making it hard to judge financial stability |
| J.D. Power | Not rated | Not rated in J.D. Power auto insurance studies |
| NAIC complaint index | 2.70 (above average) | More customer complaints than expected for a company of its size |
| BBB customer reviews | 1.09 out of 5 stars | Customer reviews are overwhelmingly negative |
How GoAuto compares to similar insurance companies
 |  |  |  |
|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $146/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $174/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $122/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $158/mo* |
Overall rating 3.7 | Overall rating 3.8 | Overall rating 3.0 | Overall rating 3.6 |
Value for money 2.5/5 | Value for money 3.3/5 | Value for money 3.1/5 | Value for money 3.0/5 |
Customer service 2.3/5 | Customer service 2.8/5 | Customer service 3.0/5 | Customer service 2.6/5 |
Claims handling 2.3/5 | Claims handling 3.4/5 | Claims handling 3.0/5 | Claims handling 3.2/5 |
Special highlight Low down paymentsAI-generated from 6 user reviews | Special highlight Difficult-to-insure driversAI-generated from 35 user reviews | Special highlight High-risk driversAI-generated from 446 user reviews | Special highlight High-risk driversAI-generated from 75 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Is GoAuto car insurance cheaper than competitors?
GoAuto auto insurance may be more affordable than some competitors, but it’s best to request a free quote to confirm your rate. Insurify doesn’t have specific average monthly premiums for GoAuto, but the company advertises having reasonably priced coverage for high-risk drivers compared to other insurers.
Though it may offer cheaper insurance rates, GoAuto Insurance reviews show a reputation for poor customer service and limited coverage options. While it can be an affordable insurer for basic protection, you may have a smoother experience with a larger company.
Compare rates by driving record
Your driving history can significantly affect your auto insurance premiums, as insurers consider your level of risk when determining premiums.[3]
Though Insurify doesn’t have average rate data for GoAuto, the table below includes average monthly liability insurance premiums by driving record from a few of GoAuto’s competitors.
Driving Record | Anchor | AssuranceAmerica | Direct Auto | GAINSCO |
|---|---|---|---|---|
| Clean driving record | $113 | $123 | $95 | $101 |
| One speeding ticket | $139 | $159 | $119 | $114 |
| At-fault accident | $147 | $164 | $134 | $125 |
| DUI | $166 | $183 | $141 | $150 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare rates by age
Age also influences your car insurance rates because older drivers typically have more experience than younger drivers.
The table below compares monthly liability coverage pricing for a few of GoAuto’s competitors across different age groups.
Age | Anchor | AssuranceAmerica | Direct Auto | GAINSCO |
|---|---|---|---|---|
| Teen drivers | $188 | $285 | $195 | $188 |
| Adult drivers | $102 | $94 | $87 | $91 |
| Senior drivers | $87 | $86 | $71 | $84 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
GoAuto car insurance discounts
Car insurance discounts are an important aspect to consider when choosing an insurer, but GoAuto doesn’t advertise any discounts on its website or FAQ page. When we requested an online quote, the company didn’t offer any discounts at that time, either.
Many auto insurers commonly offer multi-policy, multi-car, good student, safe driver, low-mileage, anti-theft device, military, and paid-in-full discounts. If you’re counting on saving on premiums through discounts, you should consider other insurers.
GoAuto car insurance coverage options
GoAuto provides the standard minimum liability coverage required by your state, but it offers very little information about additional coverages. We applied to receive a free quote online to learn more about the company’s coverage options.
GoAuto has the following car insurance coverages:
Bodily injury liability
Bodily injury liability covers injuries you cause to another driver, including medical bills, lost wages, and out-of-pocket expenses resulting from an accident.
Property damage liability
Property damage liability pays for repairs to the other driver’s vehicle resulting from an accident you caused. This can cover damages made to another person’s car, mailbox, or other structures.
Medical payments
Medical payments coverage pays for any injuries the driver sustains and may also cover funeral expenses.
Uninsured/underinsured motorist
Uninsured/underinsured motorist coverage reimburses you if an uninsured or underinsured driver hits your vehicle. It protects you if you’re the victim of a hit-and-run or if a vehicle strikes you as a pedestrian.
Comprehensive
Comprehensive coverage pays to repair or replace your vehicle following damage from a non-collision incident, including severe weather, theft, or vandalism. For example, this coverage can kick in if you hit a deer or a hailstorm damages your car.
Collision
Collision coverage pays for repairs if you’re in an accident with another car or object. It also covers damage from driving over potholes.
Other options for GoAuto customers
Bundling multiple insurance policies can be a great way to reduce your overall insurance costs. Unfortunately, GoAuto only advertises car insurance. So if you’re looking for other types of insurance — like home, renters, or pet insurance — you’ll need to find another insurance company.
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How to file a claim with GoAuto
GoAuto’s claims process is similar to most other car insurance companies. Here are the steps to file a car insurance claim:
Report the incident. Contact GoAuto’s claims department by phone, through the mobile app, or by filling out the online claims form.
Share your details. Provide your contact information, policy number, details about the incident, and any other drivers, passengers, or injuries.
Work with your adjuster. A claims adjuster will contact you and the other parties involved within two business days. GoAuto will also inspect all involved vehicles.
Receive your payment. If GoAuto approves your insurance claim, you’ll receive a payout based on your policy’s coverage limits and deductible.[4]
GoAuto insurance FAQs
GoAuto Insurance may be a good choice if you’re looking for a low-cost auto insurance policy. The following information can help answer any remaining questions you may have about GoAuto car insurance.
Is GoAuto Insurance legitimate?
Yes. GoAuto is a legitimate company that sells auto insurance in Alabama, Georgia, Louisiana, Nevada, Ohio, and Texas. The company has no history of involvement in scams or fraudulent practices.
Is GoAuto Insurance good at paying claims?
It’s a little unclear. GoAuto doesn’t have an AM Best financial strength rating or a J.D. Power rating, so it’s difficult to determine whether the company is effective in paying its claims. That said, it has a high number of customer complaints filed with the NAIC, which indicates potential dissatisfaction with customer service and the company’s claim process.
How do you cancel your GoAuto insurance policy?
GoAuto doesn’t state how customers can cancel their policies. If you can’t cancel your policy through the company’s mobile app, you may want to call the company directly at 1 (833) 700-0000.
Does GoAuto have a grace period for non-payment?
The company’s website doesn’t state if it has a grace period for non-payment. Setting up automated monthly payments is a good way to avoid missed payments. But if you have to miss a payment, you may want to contact the company’s customer service representatives.
Who owns GoAuto Insurance?
Pennsylvania private equity firm Milestone Partners purchased GoAuto in 2022. GoAuto retained all its employees in the merger, including founder and CEO Greg Tramontin.
Why is GoAuto so cheap?
GoAuto can offer low-cost car insurance by focusing on bare-bones minimum coverage. The company also doesn’t have commissioned insurance agents. It sells policies directly to customers to keep operating expenses low.
How many locations does GoAuto have?
GoAuto Insurance Company operates in Alabama, Georgia, Louisiana, Nevada, Ohio, and Texas. It has a total of 68 locations, according to its BBB profile.
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Sources
- GoAuto Insurance. "GoAuto Insurance."
- GoAuto Insurance. "Cheap Car Insurance for a Bad Driving Record."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- GoAuto Insurance. "Submit Your Claim."
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Carley ClarkInsurance Writer
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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