Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jan 7, 2021

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Just What's Essential

  • GoAuto Insurance offers basic auto insurance coverage
  • GoAuto Insurance is offered in Louisiana, Ohio, and Nevada
  • The affordability of this coverage varies based on individual circumstances

If you have been searching for affordable car insurance, you may have come across the GoAuto Insurance company. This company promotes low-cost car insurance for its customers, but what’s the real deal?

This GoAuto Car Insurance Review for 2021 goes over all the basics of the company, in one convenient place. Read on to learn more about this small company, and figure out if it’s the right provider for you.

Want to compare more rates for car insurance? Use our free tool above.

What types of coverage does GoAuto Insurance offer? 

GoAuto Insurance promotes that they offer affordable car insurance, however, their site does not go into detail about the specifics of their coverage. We took out a theoretical quote to get more information on the available coverage offered by GoAuto.

The company offers comprehensive coverage, collision coverage, under/uninsured property damage, under/uninsured bodily injury, medical payments, towing, and rental reimbursement.

To make things more convenient for the customer, each piece can be added to a policy individually. This allows for a more customized policy that can be adjusted to a customer’s price point and individual needs.

The company does not offer insurance for anything other than cars, however, so renters, home insurance, life insurance, and other common insurance bundles are not available with GoAuto Insurance.

They also do not offer more specialized coverage types, like high-risk insurance or gap insurance.

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Does GoAuto offer discounts? 

According to the quote, GoAuto Insurance offers a Military Discount, Anti-Locking Brakes discount, Good Driver discount, and a Like and Kind discount. They may offer additional discounts depending on individual circumstances as well.

Where can you get GoAuto Car Insurance? 

GoAuto is currently available in certain parts of Ohio, Nevada, and Louisiana.

How affordable is GoAuto Insurance? 

Depending on where you look, the minimum rate for GoAuto insurance in Louisiana is estimated to be anywhere from $111 per month to $190. Now Louisiana does have higher rates than most of the country, ranking up with New York and New Jersey.

To test how low we could get the quote, we set ourselves as a male driver of first 35, then 45, and finally 50 years of age with a clean record.

We selected a car that was two years old, then five years old, with airbags, anti-locking brakes. Even with minimum coverage and several discounts, we still found ourselves paying anywhere from $270 – $350 per month.

Car insurance quotes are very dependent on individual circumstances such as age, driving record, and more, according to the NAIC (National Associate of Insurance Commissioners).

A single quote cannot be used to necessarily determine how affordable GoAuto car insurance will be for your family. That being said, it’s always good to review multiple companies, including those promoting their cost-effective pricing, before you buy car insurance.

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Is GoAuto right for you? 

GoAuto Insurance offers a lot of benefits for those who live in the areas that they serve. Their policies offer flexible deductible options so you can customize your bill to some degree.

The basic coverage with no frills or fluff and work with non-commissioned agents to keep their costs low. How cost-effective they are will depend on your individual area and circumstances.

Still on the hunt for the best auto insurance available in your area? Check out our pages on Louisiana or Nevada to learn more about coverage in your state, or input your ZIP code below to find a wide array of providers near you.