GoAuto Car Insurance Review for 2026 [Trustworthy Evaluation]
Our GoAuto car insurance review found it offers affordable auto insurance rates starting at $45/month, making it a decent choice for budget-conscious drivers. However, its availability is limited to Louisiana, Nevada, Ohio, and Texas, and GoAuto customer service reviews and discount offerings are less favorable.
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Insurance and Finance Expert
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Laura Gunn
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Brad Larson
Updated November 2024
This GoAuto car insurance review highlights the company’s standout benefits, including affordable rates, particularly for older drivers with clean records, and the option to add coverage extras like roadside assistance.
GoAuto (also called “Go Auto”) rates are competitive across age groups, with drivers over 60 getting the best cheap car insurance. However, GoAuto insurance discounts are modest, with the largest being 12% for bundling home and auto coverage.
GoAuto Car Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 3.0 |
| Business Reviews | 3.0 |
| Claim Processing | 2.2 |
| Company Reputation | 3.0 |
| Coverage Availability | 1.9 |
| Coverage Value | 2.8 |
| Customer Satisfaction | 3.3 |
| Digital Experience | 3.0 |
| Discounts Available | 4.3 |
| Insurance Cost | 3.6 |
| Plan Personalization | 3.0 |
| Policy Options | 2.5 |
| Savings Potential | 3.9 |
While GoAuto enjoys solid financial ratings and fewer complaints than average, its limited availability (only in Louisiana, Nevada, Ohio, and Texas) and mixed reviews may raise concerns.
For most drivers, especially those without major violations, GoAuto is a strong contender for affordable insurance, but comparing quotes from multiple companies is crucial to ensure the best deal.
- The GoAuto insurance rating is 3.0
- GoAuto car insurance rates start at $45/month
- Customers can apply for discounts to lower GoAuto rates
Cost of GoAuto Car Insurance
Are you curious about who would pay the most for auto insurance? GoAuto rates by age and gender show that young drivers have the highest rates (Learn More: Average Car Insurance Rates by Age and Gender).
GoAuto Car Insurance Monthly Rates by Age, Gender & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 16 Female | $188 | $385 |
| Age: 16 Male | $220 | $410 |
| Age: 18 Female | $155 | $340 |
| Age: 18 Male | $205 | $380 |
| Age: 25 Female | $110 | $260 |
| Age: 25 Male | $135 | $285 |
| Age: 30 Female | $98 | $230 |
| Age: 30 Male | $120 | $245 |
| Age: 45 Female | $85 | $210 |
| Age: 45 Male | $90 | $220 |
| Age: 60 Female | $75 | $195 |
| Age: 60 Male | $80 | $200 |
| Age: 65 Female | $78 | $185 |
| Age: 65 Male | $82 | $190 |
Drivers over the age of 60 will have the cheapest GoAuto vehicle insurance rates as long as they have clean driving records. Any driving infractions will increase the cost of auto insurance at GoAuto.
GoAuto may not be the cheapest choice for high-risk drivers, but the only way to know for sure is to get GoAuto auto insurance quotes and then compare them to other companies’ rates.
Getting quotes individually can be time-consuming, so we recommend using a quote comparison tool if you are a high-risk driver shopping for cheap auto insurance.
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Compare GoAuto Car Insurance Rates to Top Providers
GoAuto’s rates are among the most affordable for drivers of all ages, with only companies like State Farm having slightly cheaper rates (Read More: State Farm Car Insurance Review).
GoAuto Min. Coverage Car Insurance Monthly Rates vs. Competitors
| Insurance Company | Age: 18 Male | Age: 18 Female | Age: 25 Male | Age: 25 Female | Age: 35 Male | Age: 35 Female |
|---|---|---|---|---|---|---|
 | $290 | $280 | $200 | $190 | $160 | $150 |
 | $265 | $255 | $185 | $175 | $145 | $140 |
 | $285 | $275 | $195 | $185 | $155 | $145 |
 | $250 | $240 | $180 | $175 | $140 | $135 |
 | $280 | $270 | $190 | $185 | $150 | $145 |
 | $300 | $290 | $210 | $200 | $170 | $160 |
 | $255 | $245 | $180 | $170 | $140 | $135 |
 | $260 | $250 | $185 | $175 | $145 | $140 |
 | $270 | $260 | $190 | $180 | $150 | $140 |
 | $275 | $265 | $195 | $185 | $155 | $145 |
GoAuto is still affordable for drivers with an infraction on their record compared to competitors, though high-risk drivers with more than one infraction may not find rates as cheap.
GoAuto Minimum Car Insurance Rates Compared to Competitors by Driving Record
| Insurance Company | Clean Record | 1 Ticket | 1 Accident | 1 DUI |
|---|---|---|---|---|
| $100 | $120 | $145 | $185 |
| $90 | $115 | $135 | $165 |
| $100 | $125 | $145 | $190 |
| $85 | $110 | $125 | $160 |
| $95 | $115 | $130 | $175 |
| $105 | $130 | $155 | $200 |
| $90 | $115 | $135 | $170 |
| $95 | $120 | $140 | $180 |
| $90 | $115 | $135 | $165 |
| $95 | $120 | $140 | $175 |
Only a few other companies offer cheaper rates than GoAuto, so GoAuto is a viable option for most drivers searching for affordable rates.
One major drawback of GoAuto is its limited availability in just four states. If you move, you'll need to find a new provider.
Dani Best Licensed Insurance Producer
If GoAuto is not available in your state, you can still find cheap car insurance by shopping online for free quotes.
GoAuto Car Insurance Coverage Choices
GoAuto has a few different options for customers. Adding extras like roadside assistance to your policy is possible, although this will increase your car insurance cost (Learn More: Compare Car Insurance by Coverage Type).
GoAuto Car Insurance Coverage Options
| Coverage Type | What it Covers |
|---|---|
| Liability Coverage | Covers damages or injuries to others if you're at fault |
| Collision Coverage | Pays for your car's repairs, regardless of fault |
| Comprehensive Coverage | Covers non-collision events like theft or natural disasters |
| Uninsured/Underinsured Motorist | Protects you if a driver has insufficient or no insurance |
| Medical Payments (MedPay) | Helps pay medical bills for you and your passengers |
| Personal Injury Protection (PIP) | Covers medical expenses, lost wages, and other costs |
| Roadside Assistance | Provides services like towing or battery jump-starts |
| Rental Car Reimbursement | Covers rental car costs while your car is being repaired |
| Gap Insurance | Covers difference between car's value and loan amount |
You will be able to purchase most popular add-on coverages at GoAuto, although it is missing new car replacement insurance and modified car insurance.
Most drivers won’t need new car replacement or modified car insurance, however, so the majority of GoAuto customers should be able to purchase the necessary coverage they want for other cars.
GoAuto Car Insurance Discounts
Applying for the best car insurance discounts may allow you to lower your GoAuto insurance payment even more.
GoAuto Car Insurance Discounts and Savings Potential
| Discount Name | |
|---|---|
| Multi-Car | 10% |
| Safe Driver | 15% |
| Good Student | 10% |
| Defensive Driving Course | 5% |
| Paid-in-Full | 10% |
| Anti-Theft Device | 5% |
| Low Mileage | 8% |
| Bundling (Auto + Home) | 12% |
| Military | 10% |
| Paperless Billing | 3% |
GoAuto’s largest discount is only 12% for bundling home and auto insurance. Most companies offer higher discounts, but GoAuto’s discount amounts may be lower because of cheaper rates.
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GoAuto Customer Reviews
Customer reviews of GoAuto Insurance are not always encouraging, with a number of customers complaining about poor service during claims. Increased rates are another common complaint when you check out Go Auto insurance reviews on Yelp.
Other places to check customer feedback are Go Auto Insurance reviews on Reddit or Go Auto Insurance Google reviews. Reading driver reviews is a great way to foresee potential issues with customer service, claim payouts, and more (Read More: Car Insurance Companies With the Worst Customer Satisfaction).
GoAuto Business Reviews
It’s important to review auto insurance company ratings to determine financial health, customer complaint levels, and more (Learn More: How do customer satisfaction ratings affect car insurance companies?).
GoAuto Car Insurance Business Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: 874 / 1,000 Above Avg. Satisfaction |
 | Score: A- Good Business Practices |
 | Score: 80/100 Good Customer Feedback |
 | Score: 0.85 Fewer Complaints Than Avg. |
 | Score: A Excellent Financial Strength |
Go Auto Insurance reviews on BBB resulted in an A- rating, and the company also scored decent customer satisfaction ratings from Consumer Reports and J.D. Power.
J.D. Power's customer satisfaction ratings reflect a company's commitment to quality service. Low ratings could indicate an issue with a company's operations.
Brandon Frady Licensed Insurance Producer
GoAuto also has fewer complaints than average at the NAIC and a strong financial health rating. Overall, GoAuto has decent ratings from businesses but still gets mixed reviews based on region.
GoAuto Car Insurance Pros and Cons
There are several attractive features for customers interested in purchasing a GoAuto car insurance policy. The best features of GoAuto are:
- Affordable Rates: GoAuto’s average rates are on the lower end, even for drivers with an infraction.
- Coverage Options: GoAuto has popular add-on options available to purchase.
- Financial Strength: GoAuto has a solid A rating from A.M. Best.
The main drawbacks that may make customers think twice about getting GoAuto car insurance coverage include:
- Availability: GoAuto is only sold in Louisiana, Nevada, Ohio, and Texas.
- Lower Discounts: GoAuto’s highest discount is only 12% for bundling home and auto insurance at GoAuto (Read More: Best Companies for Bundling Home and Car Insurance).
GoAuto also has some poor customer reviews, although GoAuto’s business satisfaction scores overall are decent.
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Choosing GoAuto as Your Car Insurance Provider
This GoAuto car insurance review found that it has affordable rates for drivers, especially those over 60 with clean driving records. With rates comparable to major competitors like State Farm, GoAuto is a solid option for many, although its state availability is limited.
Make sure to check customer reviews and quotes before making your final decision. If you don’t live in one of GoAuto’s coverage areas, you’ll have to compare car insurance rates by state to find a different company.
It is important to compare multiple car insurance providers online to find the best coverage and rates for your specific needs. Get started by entering your ZIP in our free quote finder.
Frequently Asked Questions
Why is GoAuto insurance so cheap?
Wondering why is GoAuto so cheap? Some of the reasons GoAuto is so cheap are that it has few coverage options and only serves a few states.
Who is the parent company of GoAuto Insurance?
Milestone Partners owns GoAuto Insurance.
Is Go Auto insurance full coverage?
GoAuto does offer full coverage to drivers. You can also carry just the state minimum insurance with GoAuto (Learn More: Minimum Car Insurance Requirements by State).
What does GoAuto full coverage car insurance cover?
Full coverage pays for damage to cars and injuries if you hit another vehicle, animal, stationary object, and more.
Can you pay GoAuto insurance on the app?
Yes, you can pay your bill using the GoAuto app. If you are having issues with the app, call the Go Auto insurance phone number for customer service.
Does GoAuto have a grace period?
Yes, GoAuto offers a grace period to customers, meaning your auto insurance policy won’t be immediately canceled if you miss a payment (Read More: What happens after a late car insurance payment?).
How many days is the Go Auto grace period?
GoAuto offers a grace period of 10 days.
Can I defer GoAuto car insurance payments?
Yes, GoAuto may allow you to defer car insurance payment if you contact them as soon as possible.
Does Go Auto cover hail damage?
GoAuto will cover hail damage if you have comprehensive coverage (Read More: Compare Comprehensive Car Insurance: Rates, Discounts, & Requirements).
What is the most trusted car insurance company?
USAA is one of the most trusted car insurance companies, as are Travelers, Nationwide, and other major companies.
Why am I paying so much for car insurance?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What does “excluded driver” mean?
Wondering why is GoAuto so cheap? Some of the reasons GoAuto is so cheap are that it has few coverage options and only serves a few states.
Milestone Partners owns GoAuto Insurance.
Is Go Auto insurance full coverage?
GoAuto does offer full coverage to drivers. You can also carry just the state minimum insurance with GoAuto (Learn More: Minimum Car Insurance Requirements by State).
What does GoAuto full coverage car insurance cover?
Full coverage pays for damage to cars and injuries if you hit another vehicle, animal, stationary object, and more.
Can you pay GoAuto insurance on the app?
Yes, you can pay your bill using the GoAuto app. If you are having issues with the app, call the Go Auto insurance phone number for customer service.
Does GoAuto have a grace period?
Yes, GoAuto offers a grace period to customers, meaning your auto insurance policy won’t be immediately canceled if you miss a payment (Read More: What happens after a late car insurance payment?).
How many days is the Go Auto grace period?
GoAuto offers a grace period of 10 days.
Can I defer GoAuto car insurance payments?
Yes, GoAuto may allow you to defer car insurance payment if you contact them as soon as possible.
Does Go Auto cover hail damage?
GoAuto will cover hail damage if you have comprehensive coverage (Read More: Compare Comprehensive Car Insurance: Rates, Discounts, & Requirements).
What is the most trusted car insurance company?
USAA is one of the most trusted car insurance companies, as are Travelers, Nationwide, and other major companies.
Why am I paying so much for car insurance?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What does “excluded driver” mean?
GoAuto does offer full coverage to drivers. You can also carry just the state minimum insurance with GoAuto (Learn More: Minimum Car Insurance Requirements by State).
Full coverage pays for damage to cars and injuries if you hit another vehicle, animal, stationary object, and more.
Can you pay GoAuto insurance on the app?
Yes, you can pay your bill using the GoAuto app. If you are having issues with the app, call the Go Auto insurance phone number for customer service.
Does GoAuto have a grace period?
Yes, GoAuto offers a grace period to customers, meaning your auto insurance policy won’t be immediately canceled if you miss a payment (Read More: What happens after a late car insurance payment?).
How many days is the Go Auto grace period?
GoAuto offers a grace period of 10 days.
Can I defer GoAuto car insurance payments?
Yes, GoAuto may allow you to defer car insurance payment if you contact them as soon as possible.
Does Go Auto cover hail damage?
GoAuto will cover hail damage if you have comprehensive coverage (Read More: Compare Comprehensive Car Insurance: Rates, Discounts, & Requirements).
What is the most trusted car insurance company?
USAA is one of the most trusted car insurance companies, as are Travelers, Nationwide, and other major companies.
Why am I paying so much for car insurance?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What does “excluded driver” mean?
Yes, you can pay your bill using the GoAuto app. If you are having issues with the app, call the Go Auto insurance phone number for customer service.
Yes, GoAuto offers a grace period to customers, meaning your auto insurance policy won’t be immediately canceled if you miss a payment (Read More: What happens after a late car insurance payment?).
How many days is the Go Auto grace period?
GoAuto offers a grace period of 10 days.
Can I defer GoAuto car insurance payments?
Yes, GoAuto may allow you to defer car insurance payment if you contact them as soon as possible.
Does Go Auto cover hail damage?
GoAuto will cover hail damage if you have comprehensive coverage (Read More: Compare Comprehensive Car Insurance: Rates, Discounts, & Requirements).
What is the most trusted car insurance company?
USAA is one of the most trusted car insurance companies, as are Travelers, Nationwide, and other major companies.
Why am I paying so much for car insurance?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What does “excluded driver” mean?
GoAuto offers a grace period of 10 days.
Yes, GoAuto may allow you to defer car insurance payment if you contact them as soon as possible.
Does Go Auto cover hail damage?
GoAuto will cover hail damage if you have comprehensive coverage (Read More: Compare Comprehensive Car Insurance: Rates, Discounts, & Requirements).
What is the most trusted car insurance company?
USAA is one of the most trusted car insurance companies, as are Travelers, Nationwide, and other major companies.
Why am I paying so much for car insurance?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What does “excluded driver” mean?
GoAuto will cover hail damage if you have comprehensive coverage (Read More: Compare Comprehensive Car Insurance: Rates, Discounts, & Requirements).
USAA is one of the most trusted car insurance companies, as are Travelers, Nationwide, and other major companies.
Why am I paying so much for car insurance?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What does “excluded driver” mean?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
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