Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Mar 23, 2022

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

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

At a Glance

  • You can buy a GoAuto Insurance policy if you live in Louisiana, Nevada, Ohio, or Texas
  • The company offers several types of coverage options including comprehensive, collision, and uninsured or underinsured motorist
  • You can file a claim on the company website, on the free app, or by phone

GoAuto Insurance is a low-cost car insurance firm located in Baton Rouge, Louisiana. It was founded in 2009 and has expanded to provide discount car insurance throughout Louisiana, Nevada, Ohio, and Texas. GoAuto’s insurance agents do not earn a commission, which may allow them to pass on cost savings to its consumers. 

While the low rates may be tempting, GoAuto also has only a limited selection of coverage options and offers very few additional discounts. So it may not be the best car insurance company for you, depending on your needs. Check out our GoAuto Insurance review below.

GoAuto Car Insurance Coverage

GoAuto Insurance offers policies that cover the following:

  • Bodily injury and liability. This covers a person who is injured in a car accident that is caused by an insured driver. GoAuto covers up to $15,000 per individual, per accident, with a maximum of $30,000 per accident. 
  • Liability property damage. This covers damage to property that results from a car accident that is caused by an insured driver. GoAuto’s policies offer up to $25,000 per accident. 
  • Medical payments. This covers costs of medical bills and funeral expenses for any injuries that result from a car accident. GoAuto offers up to $1,000 in coverage per incident.
  • Uninsured or underinsured motorist. This covers bodily injuries that occur to the insured drivers or their guests when they are caused by another driver who either does not have insurance or who has inadequate insurance. GoAuto offers up to $15,000 per person, for a maximum of $30,000 for any individual accident.

Besides the above coverage, you can also add on the following additional types of coverage:

  • Comprehensive. This protection covers damage to the insured vehicle that occurs from an incident that isn’t a collision. It also covers theft. You can choose a deductible between $150 and $2,500. 
  • Collision. This covers damage to the insured vehicle that occurs from a collision. You can choose a deductible between $250 and $2,500. 
  • Towing. This option covers the cost of towing your vehicle, up to $50 per event.

What you’ll end up paying for your policy depends on many factors, including the age and sex of the driver, the location of residence, the make and model of the car, and whether the insured persons have had previous car accidents, among others.

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What auto insurance discounts are available?

GoAuto offers a discount if you select the “Like Kind and Quality” (LKQ) clause. You get this discount if you agree that GoAuto would cover the cost of repairs to your vehicle only with parts that are similar to the originals in the car. These parts may be second-hand or salvaged from other cars. These parts may not be as high quality as brand new OEM parts, but they do save on repair costs. 

The alternative is to choose the “Original Equipment Parts” (OEM) clause. By choosing this, the company would cover the cost of repairs using brand new parts manufactured by the original car maker. But choosing this would make your rates a little more expensive. 

What states does GoAuto offer insurance coverage in?

GoAuto offers insurance coverage in only these four states:

  • Louisiana 
  • Nevada
  • Ohio
  • Texas

Not in one of those states? Compare cheap car insurance quotes for other states. 

How to File a Car Insurance Claim With GoAuto

There are several ways you can file a claim with GoAuto Insurance as a policyholder. If you’d like to get assistance from an agent, you can call GoAuto Insurance and speak to someone directly. Otherwise, you can file a claim on the website or on the free app, available in both the App Store and Google Play.

You’ll have to provide the following information to make a claim: 

  • Your name and contact information
  • A description of the incident you are making a claim for
  • Your policy information, including your policy number
  • Vehicle information, including the year, make, model, and license plate number
  • Contact information for the driver and other passengers
  • Information about any parties who were injured or who witnessed the incident

Learn more about insurance claims and other frequently asked car insurance questions here. 

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Does GoAuto offer any other types of insurance?

GoAuto only provides car insurance. It does not provide any other kinds of insurance like homeowners insurance, rental insurance, or health insurance. 

GoAuto Insurance: The Bottom Line

GoAuto provides basic insurance and coverage for a relatively low cost. Our GoAuto Insurance review can help you decide if the company is right for you, but it’s always worth exploring your options by comparing quotes from multiple insurance companies. 

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.