Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Jan 15, 2021

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Key Takeaways

  • GoAuto Insurance is a small car insurance company
  • GoAuto Insurance operates out of Louisiana, Nevada, and Ohio
  • GoAuto Insurance offers basic coverage

Are you looking for auto insurance companies that provide the most affordable insurance?

If you are in Louisiana, Nevada, or Ohio you may have heard of GoAuto Insurance.

This small company markets itself as providing low-cost car insurance for all its customers. To keep their rates low they provide basic coverage and employ non-commissioned agents.

While their site provides only this information, we submitted a quote to dig deeper and learn more about the types of coverage GoAuto Insurance offers, what discounts they provide, and more. 

Read our GoAuto Insurance review to find out more about this company and see if it is right for you.

Wanting to find other auto insurance providers near you? Enter your ZIP code above and we will help you find the right fit for your wallet.   

What types of coverage does GoAuto Insurance offer? 

GoAuto Insurance is designed to offer basic, no-frills coverage to its customers in an effort to keep costs low. This coverage includes: 

  • Comprehensive coverage
  • Collision coverage
  • Under/uninsured property damage coverage
  • Under/uninsured bodily injury coverage
  • Medical payments
  • Towing coverage
  • Rental reimbursement coverage

To make things more convenient for its customers, GoAuto offers the ability to customize your policy. They provide the ability to select your specific coverage types from the list above. 

You can also select how you wish to pay, either monthly or all at once, and how much you want your deductible to be. This allows you to have more control over your monthly premiums. 

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Does GoAuto Insurance offer discounts? 

While GoAuto Insurance does not provide a list of the discounts that they offer, we submitted a quote to get a better idea of what was available. 

According to our GoAuto Insurance quote, the company offers a wide array of equipment discounts, such as those for anti-locking breaks and airbags. They also offer a good driver discount, as well as a military discount. 

The only major discount that is not available with GoAuto is the bundle discount. This discount is offered by companies that provide multiple types of insurance, such as life insurance and homeowners insurance.

When bundling these types of insurance under one policy, many companies offer a bundled discount. 

As GoAuto Insurance offers only auto insurance, they cannot offer any bundling options. 

What are the customer reviews for GoAuto Insurance? 

One of the biggest things to consider when choosing a car insurance company is what other customers have said about that company.

If a company has a multitude of complaints, you may want to do more research before signing up for a policy. 

The Louisiana Department of Insurance, (LDI) has a complaint index. This index compiles complaints issued to the department concerning the insurance providers in the state of Louisiana.

The index compares the number of complaints to the total cost of the policies that have been underwritten. 

According to the LDI complain index, any index above one suggests that there is an above-average number of complaints. Currently, GoAuto Insurance has a complaint index of 2.43. 

How affordable is GoAuto Insurance? 

To gauge how affordable GoAuto Insurance is for the average customer, we submitted several quotes. With each quote, we submitted a different driver and car, to get an idea of the rates that GoAuto Insurance offers. 

The average minimum rate for auto insurance premiums for Louisiana ranges from $111 to $190 per month, depending on who is doing the estimation.

To that end, when submitting our quotes, we attempt to get as close to that monthly premium as possible. 

We submitted drivers of various ages, different cars, all with clean driving records. In the end, our monthly rates range from $270 – $350 per month. 

While this would suggest that GoAuto Insurance is not the cheapest option available, it should be noted that insurance quotes are hugely dependent on individual circumstances. 

The best way to find out if a specific company is affordable is to submit your own quote. 

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Finding GoAuto car insurance coverage

If you are searching for basic coverage and prefer the feel of working with a smaller company, GoAuto Insurance may be a good fit for you.

The company employs non-commissioned agents and offers basic coverage to keep their costs low. 

If you are looking for high-risk, GAP, or other specialized insurance, you may want to look elsewhere. 

Your insurance needs to fit your life and circumstances, to remember to regularly compare quotes from companies near you.   

After reading our GoAuto Insurance review, you are still looking for auto insurance near you, enter your ZIP code below.