Car insurance is one of those essential expenses you can’t avoid—but that doesn’t mean you have to overpay. If you’re searching for a reliable, affordable insurance provider that doesn’t compromise on service, GoAuto Insurance deserves a close look. This blog post breaks down everything you need to know about GoAuto Insurance in 2025, from pricing to customer satisfaction to coverage types.
Whether you’re a new driver, on a budget, or just tired of overpriced policies, GoAuto Insurance offers a practical solution tailored for everyday Americans.
What Is GoAuto Insurance?
GoAuto Insurance is a Louisiana-based insurance company specializing in low-cost car insurance. What sets it apart? Unlike traditional insurers, GoAuto minimizes overhead by eliminating unnecessary commissions and selling policies directly to consumers. This business model allows it to pass savings on to customers—something that has earned it a loyal customer base across several states, including Louisiana, Nevada, Ohio, and Texas.
GoAuto Insurance operates under the philosophy that “low-cost doesn’t mean low-quality,” and for thousands of drivers, that statement rings true.
Why Choose GoAuto Insurance in 2025?
1. Affordable Rates Without the Catch
GoAuto’s biggest selling point is its pricing. While major insurers often bundle in services you may not need, GoAuto Insurance offers straightforward, customizable policies at a fraction of the cost.
2. No Middlemen, No Commissions
One reason for GoAuto’s low premiums is that they avoid using insurance agents who take a cut. Instead, they sell directly to customers online or through their own offices, keeping things simple and cost-effective.
3. Customer-Centric Claims Process
Filing a claim with GoAuto Insurance is hassle-free. Customers praise the company’s responsiveness, straightforward process, and clear communication during what can be a stressful time.
4. Flexible Payment Plans
You can choose from a variety of payment options that fit your budget, including monthly, bi-annual, or annual payments. They even offer pay-in-full discounts, which can save you even more in the long run.
5. No-Credit-Check Policies
Got a bad credit score? No problem. GoAuto Insurance doesn’t use your credit score to determine your rates, which can be a huge relief for many drivers.
Coverage Options with GoAuto Insurance
| Coverage Type | Description |
|---|---|
| Liability Insurance | Covers injuries and damages to others if you’re at fault in an accident |
| Collision Coverage | Pays for damage to your car after a collision |
| Comprehensive Coverage | Covers non-collision-related damage like theft or vandalism |
| Uninsured Motorist | Protects you if you’re hit by an uninsured or underinsured driver |
| Medical Payments | Covers medical expenses regardless of fault |
| Roadside Assistance | Optional add-on for towing, battery jump, and flat tire services |
Where Is GoAuto Insurance Available?
Currently, GoAuto Insurance operates in the following states:
- Louisiana
- Nevada
- Ohio
- Texas
They continue to expand, and if you’re in one of these states, it’s worth checking out their official site to get a free quote.
Real Customer Reviews: What People Are Saying
“I saved over $500 a year by switching to GoAuto. The online tools are super easy to use.” – Angela M., Nevada
“No hidden fees, no games. Just honest, affordable insurance. Highly recommend!” – Marcus J., Texas
“When I had to file a claim, GoAuto handled everything quickly. I didn’t expect that level of service from a low-cost provider.” – Rachel K., Louisiana
GoAuto Insurance vs. Competitors
| Feature | GoAuto Insurance | GEICO | State Farm | Progressive |
|---|---|---|---|---|
| Direct-to-Consumer Sales | ✅ | ❌ | ❌ | ❌ |
| No Credit Check | ✅ | ❌ | ❌ | ❌ |
| Budget Pricing | ✅ | ✅ | ❌ | ✅ |
| Online Claims Processing | ✅ | ✅ | ✅ | ✅ |
| Available in Multiple States | ✅ | ✅ | ✅ | ✅ |
Tips to Maximize Savings with GoAuto Insurance
- Bundle with other services (if available in your state)
- Take advantage of safe driver discounts
- Pay your premium in full for maximum savings
- Install a dashcam and maintain a clean driving record
- Compare quotes regularly to ensure you’re getting the best deal
You can also use tools like The Zebra or NerdWallet to compare GoAuto Insurance with other providers.
5 Most Asked FAQs About GoAuto Insurance
1. Is GoAuto Insurance legit?
Yes, GoAuto Insurance is a licensed and regulated insurer in multiple U.S. states. They’ve been serving drivers since 2009 with a focus on affordability and reliability.
2. Does GoAuto Insurance require a credit check?
No. Unlike many other insurers, GoAuto does not factor in your credit score when determining rates.
3. Can I get a quote online from GoAuto Insurance?
Yes, you can easily get a quote through their official website. It only takes a few minutes.
4. Does GoAuto offer full coverage?
Yes, GoAuto offers both liability and full coverage (collision and comprehensive), depending on your needs.
5. How can I contact GoAuto customer service?
You can reach their customer service through their website or by visiting a local office in Louisiana, Nevada, Texas, or Ohio.
Final Thoughts: Is GoAuto Insurance Right for You?
If you’re tired of paying sky-high rates for basic auto coverage, GoAuto Insurance offers a refreshing alternative. It’s not for everyone—if you want premium perks like rental car reimbursement or accident forgiveness, you may want to look elsewhere.
But for most budget-conscious drivers, especially those with limited insurance history or less-than-ideal credit, GoAuto Insurance is an excellent, no-nonsense choice.
So before you renew your current policy, take a few minutes to see how much you could save with GoAuto Insurance. You might be surprised by how affordable quality coverage can be.