In today’s competitive car insurance market, finding a provider that balances affordability, reliability, and fast service can be a challenge. That’s where GoAuto Insurance stands out. Built on a model that strips away the unnecessary costs of traditional insurers, GoAuto focuses on delivering low-cost car insurance without compromising the essential coverage you need.
This 2025 in-depth review explores everything you need to know about GoAuto Insurance—from policy types and pricing to customer satisfaction and how it compares with other insurers in the U.S.
What Is GoAuto Insurance?
GoAuto Insurance is a car insurance provider known for offering low-cost coverage options directly to customers. The company was founded with a mission to eliminate commissioned agents, which allows them to pass significant savings directly to policyholders. With locations across multiple U.S. states, GoAuto has grown in popularity thanks to its no-frills approach and affordable monthly premiums.
Key Features of GoAuto Insurance
| Feature | Details |
|---|---|
| Headquarters | Baton Rouge, Louisiana |
| Coverage States | LA, NV, TX, and expanding |
| Policy Types | Liability, Comprehensive, Collision |
| Average Premium | Starts as low as $25/month |
| Online Services | Quotes, Payments, Claims |
| Customer Support | In-person, phone, and online |
| Special Offers | No-commission pricing, Pay-as-you-go |
Types of Coverage Offered by GoAuto Insurance
1. Liability Coverage
Liability coverage protects you if you’re at fault in an accident that causes injury or property damage to others. This is the minimum requirement in most U.S. states, and GoAuto offers flexible liability-only policies to help meet state mandates affordably.
2. Collision Coverage
This covers the cost of repairing your vehicle if it’s damaged in an accident with another car or object. GoAuto’s collision coverage is competitively priced, making it ideal for drivers with older vehicles.
3. Comprehensive Coverage
GoAuto also offers comprehensive policies that cover non-collision-related damages like theft, fire, or natural disasters. This option provides broader protection for your vehicle.
How Much Does GoAuto Insurance Cost?
GoAuto Insurance is best known for its budget pricing. Policies can start as low as $25 per month depending on your state, age, driving history, and vehicle.
Cost Factors Include:
- Driving record
- Age and gender
- Vehicle make/model/year
- Coverage limits and deductibles
- Location and zip code
GoAuto doesn’t rely on third-party brokers, which eliminates extra costs. This means customers typically get lower monthly rates compared to many national providers. For more information, you can check NerdWallet.
Pros and Cons of GoAuto Insurance
Pros
- Low-cost monthly premiums
- Fast online quote system
- No commissioned agents
- Flexible payment options
- In-person offices for customer convenience
Cons
- Limited availability by state
- No mobile app
- Fewer discount options than larger competitors
GoAuto Insurance vs. Traditional Auto Insurance Providers
| Feature | GoAuto Insurance | Traditional Providers |
|---|---|---|
| Monthly Premiums | Lower | Higher |
| Agents | No commission | Commission-based |
| Discounts | Limited | Extensive |
| Claims Process | Basic | Advanced |
| Mobile App | Not Available | Often Available |
Is GoAuto Insurance Legit?
Yes. GoAuto Insurance is a legitimate, licensed insurance provider operating in several U.S. states. The company is regulated by each state’s insurance department and maintains a stable financial profile. To verify, check with your local state insurance commissioner or the National Association of Insurance Commissioners.
How to Get a Quote from GoAuto Insurance
- Visit the official GoAuto website.
- Enter basic information (vehicle type, zip code, driving history).
- Review available coverage options.
- Choose a plan that fits your budget and needs.
Tips to Save More with GoAuto Insurance
- Maintain a clean driving record.
- Opt for higher deductibles to lower monthly premiums.
- Pay your premium in full rather than in installments.
- Drop unnecessary coverage for older vehicles.
- Ask for available state-specific discounts.
Who Should Choose GoAuto Insurance?
GoAuto Insurance is best for:
- First-time drivers
- People with older vehicles
- Budget-conscious families
- Those who don’t need extensive coverage
- Drivers living in Louisiana, Nevada, Texas, or states where GoAuto operates
What Are Customers Saying?
While GoAuto Insurance receives mixed reviews, most customers highlight its low pricing and simple policy structure. Some customers mention limited digital services as a drawback, but overall, many consider it a good value for the cost.
FAQs About GoAuto Insurance
1. Is GoAuto Insurance available in all U.S. states?
No, GoAuto Insurance is currently available in a select number of states including Louisiana, Nevada, and Texas, but expansion is underway.
2. Can I get a GoAuto Insurance quote online?
Yes, GoAuto offers an easy-to-use online quote tool. You can enter your basic details and get a quote within minutes.
3. Does GoAuto Insurance offer full coverage?
Yes. GoAuto offers liability, collision, and comprehensive coverage options, allowing you to build a full coverage plan based on your needs.
4. Can I manage my GoAuto Insurance policy online?
Yes, you can pay bills and make policy changes online. However, the company does not currently offer a mobile app.
5. How can I file a claim with GoAuto Insurance?
Claims can be filed by calling their customer service line or visiting a local office. GoAuto’s claim process is streamlined but may lack the advanced features of major carriers.
Conclusion: Is GoAuto Insurance Worth It in 2025?
If you’re looking for low-cost, reliable auto insurance and live in a state where GoAuto operates, it could be a smart choice. While it may not offer high-tech features or a wide array of discounts, it makes up for it with affordable premiums, transparent policies, and solid customer service.
In a world of rising insurance costs, GoAuto Insurance gives you the essential protection you need—without the financial headache.