GoAuto Car Insurance Review for 2024 [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.

UPDATED: Nov 23, 2024Fact Checked

Laura Gunn

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 ...

Insurance and Finance Expert

Brad Larson

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...

Licensed Insurance Agent

UPDATED: Nov 23, 2024

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Nov 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Nov 23, 2024Fact Checked
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GoAuto

Average Monthly Rate For Good Drivers

$45

A.M. Best Rating:

A

Complaint Level:

Low

Pros

  • Affordable rates
  • Add-on options
  • Strong financial ratings

Cons

  • Mixed customer reviews
  • Limited state availability

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 Car Insurance Review

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 CriteriaGo Auto: Go Auto Car Insurance Review
Overall Score3.0
Business Reviews3.0
Claim Processing2.2
Company Reputation3.0
Coverage Availability1.9
Coverage Value2.8
Customer Satisfaction3.3
Digital Experience3.0
Discounts Available4.3
Insurance Cost3.6
Plan Personalization3.0
Policy Options2.5
Savings Potential3.9

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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.

Here's What You Need to Know

  • 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 & GenderMinimum CoverageFull 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

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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.

chubb car insurance review: how driving record affects car insurance cost definition card

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 CompanyAge: 18 MaleAge: 18 FemaleAge: 25 MaleAge: 25 FemaleAge: 35 MaleAge: 35 Female
Allstate TablePress Logo$290$280$200$190$160$150
American Family TablePress Logo$265$255$185$175$145$140
Farmers TablePress Logo$285$275$195$185$155$145
Geico TablePress Logo$250$240$180$175$140$135
$280$270$190$185$150$145
Liberty Mutual TablePress Logo$300$290$210$200$170$160
Nationwide TablePress Logo$255$245$180$170$140$135
Progressive TablePress Logo$260$250$185$175$145$140
State Farm TablePress Logo$270$260$190$180$150$140
Travelers TablePress Logo$275$265$195$185$155$145

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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 CompanyClean Record1 Ticket1 Accident1 DUI
Allstate TablePress Logo$100$120$145$185
American Family TablePress Logo$90$115$135$165
Farmers TablePress Logo$100$125$145$190
Geico TablePress Logo$85$110$125$160
$95$115$130$175
Liberty Mutual TablePress Logo$105$130$155$200
Nationwide TablePress Logo$90$115$135$170
Progressive TablePress Logo$95$120$140$180
State Farm TablePress Logo$90$115$135$165
Travelers TablePress Logo$95$120$140$175

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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 TypeWhat it Covers
Liability CoverageCovers damages or injuries to others if you're at fault
Collision CoveragePays for your car's repairs, regardless of fault
Comprehensive CoverageCovers non-collision events like theft or natural disasters
Uninsured/Underinsured MotoristProtects 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 AssistanceProvides services like towing or battery jump-starts
Rental Car ReimbursementCovers rental car costs while your car is being repaired
Gap InsuranceCovers difference between car's value and loan amount

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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 NameGo Auto: Go Auto Car Insurance Review
Multi-Car10%
Safe Driver15%
Good Student10%
Defensive Driving Course5%
Paid-in-Full10%
Anti-Theft Device5%
Low Mileage8%
Bundling (Auto + Home)12%
Military10%
Paperless Billing3%

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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

AgencyGo Auto: Go Auto Car Insurance Review
J.D. Power: Go Auto Car Insurance ReviewScore: 874 / 1,000
Above Avg. Satisfaction
BBB: Go Auto Car Insurance ReviewScore: A-
Good Business Practices
Consumer Reports: Go Auto Car Insurance ReviewScore: 80/100
Good Customer Feedback
NAIC: Go Auto Car Insurance ReviewScore: 0.85
Fewer Complaints Than Avg.
A.M. Best: Go Auto Car Insurance ReviewScore: A
Excellent Financial Strength

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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:

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.

GoAuto Homepage: GoAuto Car Insurance Review

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.

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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 car insurance rates could be high due to several factors, such as your age, vehicle, and driving history. If you need to find cheaper rates on car insurance, we recommend using our free quote tool to comparison shop.

What does “excluded driver” mean?

An excluded driver usually lives with you but does not drive your car. Your auto insurance policy will not cover an excluded driver.

Laura Gunn

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 ...

Insurance and Finance Expert

Brad Larson

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...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Goauto

3.33 (62 reviews)
1
August 31, 2023

MzKristel

Go Auto Does Not Honor Coverage

I'm at a lost for words, I CAN NOT SAY ANYTHING NICE ABOUT THIS COMPANY! My husband and I have two vehicles and both covered under this crappy ins. After a year of having the policy and just before renewal; we've found ourselves needing to file a claim for vandalism on my Honda CRV. Aug 12 incident happens, Aug 17 intake call with ?'s, Aug 23 adjuster ?'s, Aug 30 fraud dept?'s.... We were victimized and had FULL coverage insurance and yet NO HEL...
I'm at a lost for words, I CAN NOT SAY ANYTHING NICE ABOUT THIS COMPANY! My husband and I have two vehicles and both covered under this crappy ins. After a year of having the policy and just before renewal; we've found ourselves needing to file a claim for vandalism on my Honda CRV. Aug 12 incident happens, Aug 17 intake call with ?'s, Aug 23 adjuster ?'s, Aug 30 fraud dept?'s.... We were victimized and had FULL coverage insurance and yet NO HELP FROM GO AUTO... They did not honor our coverage. IDK what to do now the damages prevents us from driving. We have car, insurance coverage and yet no help.
1
April 21, 2023

Kpal

THE WORST CUSTOMER SERVICE I HAVE EVER EXPERIENCED!

I recently called 4/3rd to update policy because I moved to Texas. My original bill date is the 13th of each month. So I needed to make sure I had a new policy by the 23rd. Agent [REDACTED NAME] told me that she would call me the next day to finalize, never did. Sent me a cancellation request form via email, I responded back following her instructions. Never replied. I emailed again asking to confirm she received my email (4/6th)….NEVER respond...
I recently called 4/3rd to update policy because I moved to Texas. My original bill date is the 13th of each month. So I needed to make sure I had a new policy by the 23rd. Agent [REDACTED NAME] told me that she would call me the next day to finalize, never did. Sent me a cancellation request form via email, I responded back following her instructions. Never replied. I emailed again asking to confirm she received my email (4/6th)….NEVER responded. I called on 4/18th after receiving a “LATE PAYMENT NOTICE” email! Wtf! Spoke to another agent who transferred me back to [REDACTED NAME]! [REDACTED NAME] proceeds to tell me that she did receive my emailSSSSS but didn’t do the cancellation because of DMV reasons. Idk, I’m not an agent. She sucks at actually explaining [REDACTED WORD]! She then tells me “I’m with a customer, I will call you back in 15 min”. That was all on April 18th, 2023. NEVER DID! Today, April 21st, and I had to call [REDACTED NAME] back. She then tells me “I’m off now but I answered because I know I need to assist you”. Wtf? Sis you was supposed to call me back 3 days ago. So she TRANSFERS me to the automated line to choose from the options. My insurance will be cancelled on the 23rd and will be fuckin reported as a failed payment, UNLESS I just pay another fuckin fee of $481 for the state of Louisiana when I live in Texas ! I’m cornered at this point cause I thought I did my part.
1
August 15, 2022

Jamica_Chisley

Go auto with the low ball offers

I had a wreck over a year ago. It was other drivers fault. We both had go auto insurance. Go auto offered me a $1500 settlement. Talking about a low ball offer. In I still havent got paid this wreck was July 2021. Consumers it would be best to go with other insurance companies because Go auto doesn’t want to pay out clams
1
February 7, 2022

Kesha_

Beware!!!

Worst insurance, increase the price when they want, worst customer service and the agents at the store...that is another story...
1
October 4, 2021

Crackcorn58

Bad customer service

had an accident not at fault on sept 17th field a claim no responce ..no call backs no rental been without a car ..next step to get a lawyer I guess today is 10/4/21 still not a word ..........
1
October 4, 2021

Walter_

Dont buy this insurance

Buyer beware, this company does not pay their claims. I've been waiting over a year and still nothing. My car was stolen and they investigated it they know it was stolen the police investigated it and they still procrastinating. Pure garbage that's why they're cheap. They hope you don't file a dam claim.
1
April 8, 2021

walterj

Buyer beware

I've been fighting this company for a year and they refuse to settle my claim. They will find ways to not pay you. May 31, 2020 I left home in Laplace to play a round of golf at New Orleans City Park. I was driving my 2015 Chevy Camaro. The game lasted approximately 31/2hrs. Leaving off 18hole stopped at the clubhouse had food and drinks with some friends. Left out approximately 7pm headed to the car and guess what, car is gone. Shocked and stu...
I've been fighting this company for a year and they refuse to settle my claim. They will find ways to not pay you. May 31, 2020 I left home in Laplace to play a round of golf at New Orleans City Park. I was driving my 2015 Chevy Camaro. The game lasted approximately 31/2hrs. Leaving off 18hole stopped at the clubhouse had food and drinks with some friends. Left out approximately 7pm headed to the car and guess what, car is gone. Shocked and stunned heart beating fast now I'm hoping it's a prank or something but to no avail. Looked around friends done hauled [REDACTED WORD]. Called NOPD took report. Now here is where it gets interesting people. I called GO AUTO, my insurance company to inform them, this was on a Sunday. So Monday I received a call from the adjuster. I gave them everything they asked for. From that point on they went to work on my character, attempting to say my car wasn't stolen and I staged the whole event. Matter of fact even Mr. [REDACTED NAME] who yall know as [REDACTED NAME] the Goauto man, says I wasn't even in New Orleans that day. Lol. Anyway they refused my claim and until this day I'm still fighting. No attorney but I'm still fighting. David vs Goliath. So for all of you who are thinking about getting cheap insurance or Goauto insurance? Buyer beware. You've been warned. I'm a gulf War veteran who survived Iraq and conveyed from Kuwait to Baghdad in a hummv with no armored plates I can deal with GOAUTO
1
March 1, 2021

GoAuto

Don't Use this company.

Save your money and don't waste your time with this company. They are only about money and couldn't care lass about the people people.
1
October 5, 2020

walterj

GO AUTO BUYERS BEWARE NO GOOD

Buyer beware i had my car stolen in may 2020 got police report did everything right. Claims department was very rude and hard to get hold of. Its now October and they have denied my claim i had to hire a lawyer to fight them. THEY DO NOT HONOR their claims. PLEASE BEWARE #SCAMMERS
1
July 28, 2020

Twinn83

Frustrated customer

My vehicle got vandalized a week ago. Nothing has happened. I still don’t have a rental or another vehicle to get back and fourth to work. The initial agent was rude and her supervisor isn’t much better. What’s the use of having full coverage and it’s treated like liability. I’ll never go to them or recommend them to anyone.
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<h3>GoAuto Car Insurance Monthly Rates by Driving Record</h3>
<h3>GoAuto Car Insurance Monthly Rates by Driving Record</h3>