GoAuto Car Insurance Review in 2026

Shopping for auto insurance can be an overwhelming and lengthy task. There are dozens, if not hundreds, of insurers who claim to offer the best rates and most comprehensive coverage. We strive to take the headache out of the comparison process by providing thorough and objective reviews of the various insurance companies across the nation. Here we’ve focused on GoAuto car insurance.

In the following guide, learn everything you need to know about GoAuto insurance to determine if it is the right company for your needs. GoAuto, which provides coverage to drivers in just a handful of states, prides itself on being a low-cost auto insurance company — a title it maintains by offering barebones coverage.

GoAuto Car Insurance Coverage

Since it was founded in 2009, it has been GoAuto’s mission to save its customers money and to provide excellent customer service. It believes in doing business locally, which explains its presence in just four states. It keeps its rates low by foregoing commissioned agents. Rather, it sells policies directly to the consumer. As a result, it does not have to pay its agents for making sales, which translates to lower rates for its customers.

Per its website, GoAuto does not try to sell its customers expensive add-ons. Rather, its agents will help you decide what coverage you need based on state laws, minimums, and driving habits and help you build out a policy from there. It prides itself on offering flexible plans that you can customize to fit your unique needs and budget.

Through GoAuto, you can purchase the most basic coverage to protect you, vehicle occupants, and other drivers in various situations. Though state laws dictate the types of car coverage you must purchase, the company offers the following:

• Bodily Injury and Property Damage Liability. This is standard auto insurance coverage that covers the cost of vehicle repairs and medical expenses that arise from an accident you cause. All four states in which GoAuto operates require this coverage.
• Personal Injury Protection. PIP covers lost wages, medical expenses, and funeral costs associated with an accident, regardless of who is at fault.
• MedPay. As its name implies, medical payments coverage can help cover a portion of your medical bills that the other party’s insurance or your health insurance won’t cover.
• Uninsured/Underinsured Motorist Coverage. UM/UIM steps in to pay your medical expenses and cover the cost of repairs if you get hit by an uninsured or underinsured motorist.
• Collision Coverage. This type of coverage can help foot the cost of repairs to your vehicle, regardless of who was at fault for your accident.
• Comprehensive Coverage. When vandals or environmental factors, such as fallen tree branches, cause damage to your car, the comprehensive coverage portion of your policy may kick in.

GoAuto insurance offers few add-ons, and what extras it does offer, it does not offer in all states. For instance, in Louisiana, you can request rental reimbursement and towing coverage. (For more information, read our “GoAuto Insurance Review“).

The company does offer “full coverage insurance.” Full coverage is not a specific policy but rather a policy you build yourself that includes coverage beyond the legal requirements. That usually includes comprehensive and collision coverage.

GoAuto Insurance Costs

GoAuto prides itself on being a “low-cost” auto insurance carrier. However, while it does not list its rates on its website, a sample quote reveals that the rates are about average for the regions it serves. For instance, the costs to insure a 2015 Toyota Camry in New Orleans for a period of six months through GoAuto are as follows:

• Full coverage paid in full: $1,736
• Full coverage paid monthly: $1,916 total, or $319 monthly
• Minimum coverage paid in full: $859
• Minimum coverage paid monthly: $967, or $161 monthly

The national median price of full coverage is $1,381 annually. Of the 14 major providers, 11 offer lower annual rates than GoAuto does biannually. However, it is important to note that GoAuto’s headquarters is in Louisiana. Lousiana auto insurance rates are among the highest in the nation. When compared to the cost of coverage through other Louisiana insurance companies, GoAuto may be the best option.

What auto insurance discounts are available?

The Go Auto insurance website does not list any specific discounts that it offers. However, per customer reviews, it does offer discounts in unique situations. Examples of discounts you may be able to get through GoAuto are as follows:

• Good driving history discount
• Anti-theft device discount
• Anti-lock brakes discount
• Multiple vehicle discount
• Discount for paying in full

GoAuto may also offer a military discount as well as a discount for switching from one insurance company to another.

What states does GoAuto offer coverage in?

GoAuto is a family-owned business that believes in doing business in the local communities it serves. Because of its values, it offers coverage in just a handful of states:

• Louisiana
• Texas
• Nevada
• Ohio

By remaining small, GoAuto insurance believes it can better serve its customers and keep costs low, as it promises.

How To File a Car Insurance Claim with GoAuto

GoAuto offers three ways to submit a claim: by phone, online or via its app, which is available both on the App Store and through Google Play. To submit a claim by phone, call the Go Auto insurance phone number at 1-833-700-0000.

When submitting a claim, regardless of how you do it, you need the following information:

• Your role in submitting the claim (insured, claimant, attorney representing the insured, etc.)
• Contact information
• Police report date, time, number, and details, if applicable
• Policy number of the GoAuto insured party
• First and last name on the GoAuto policy
• Phone number, email address, address, and vehicle info of the GoAuto insured
• The GoAuto insured’s vehicle passenger information
• Contact information of the non-GoAuto member
• Other vehicle passenger information
• Additional party information
• Injured party information
• Witness information

Once you submit your claim, a GoAuto agent will contact you within two business days. After an agent gets in contact with you, the investigation process begins. This includes interviewing all involved parties — including witnesses — obtaining police reports, and inspecting all vehicles. Following the inspection, a GoAuto insurance adjuster makes a determination and, if applicable, issues a GoAuto insurance payment.

Does GoAuto offer any other types of insurance?

GoAuto does not offer other types of insurance coverage. As its name implies, it is strictly an auto insurance company.

GoAuto Customer Satisfaction

GoAuto has a customer rating of 2.5 and 3.5 stars, depending on which source you ask. It has more customer complaints than insurance companies that offer cheaper options. On Google Play Store, the GoAuto app has a 4.0 out of 5.0 rating. On the App Store, its rating is much lower, at 2.8 stars out of 5.0 stars.

GoAuto Insurance: The Bottom Line

The Go Auto insurance company’s selling point is its ability to offer low-cost coverage by eliminating the middleman. It offers a little more than the basic coverage, including bodily injury and property damage liability, collision coverage, and personal injury protection. Though it does have add-ons, which extras it offers varies from state to state. The company has a strong commitment to remaining local, which enables it to offer in-person assistance in the four states it does serve.

For all that GoAuto promises to be, it is not the cheapest option out there, and nor is it the most practical for many drivers. That said, it does come with a few distinct advantages that other carriers cannot offer, such as simplicity and flexibility. If you’re in the market for a no-fuss insurance policy from a small, easily accessible company, GoAuto may be worth considering.