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Reviews Report
- Go Auto is only available in four states: Louisiana, Nevada, Ohio and Indiana (Locations).
- It sells core auto coverages with a limited menu of add‑ons; it does not market broad telematics or many specialty endorsements (official site).
- It remains unrated by AM Best and is not included in J.D. Power’s latest U.S. Auto Insurance Study; use regulator complaint indices for objective service comparisons (NAIC CIS).
Go Auto is a regional U.S. auto insurer doing business as GoAuto Insurance Company. It currently sells policies in four states — Louisiana, Nevada, Ohio and Indiana — as confirmed on the company’s Locations hub and in its FAQ flow. Note: This review refers to the U.S. insurer, not the Canadian Go Auto dealership group, which is unrelated.
Go Auto Insurance positions itself as a budget option. Still, prices in its core markets — especially Louisiana — have risen markedly since 2021. Recent analyses place Louisiana’s average full‑coverage premium around $3,500–$4,100 per year (central estimate ≈$3,800) and minimum coverage around $1,050–$1,300, making the state one of the most expensive in the nation (Bankrate; ValuePenguin). Broader inflation in motor‑vehicle‑insurance costs since 2021 is also documented by the BLS CPI.
Go Auto sells auto insurance in Louisiana, Nevada, Ohio and Indiana (company locations). As a smaller, Louisiana‑domiciled carrier, it is Not Rated by AM Best and is not included in J.D. Power’s 2025 U.S. Auto Insurance Study. For impartial service indicators, consult the NAIC’s Consumer Information Source for Go Auto’s current private‑passenger auto Consumer Complaint Index and state DOI complaint indices such as Louisiana’s and Nevada’s.
| Pros | Cons |
| Local storefronts in all four states | Unrated by AM Best; absent from J.D. Power’s national rankings |
| Straightforward, basic policy options that can be priced competitively for minimum coverage | Fewer add-ons and programs than national carriers; limited discount breadth |
| Online quotes, payments and account access | Availability limited to Louisiana, Nevada, Ohio and Indiana |
The Auto Insurance Factors We Analyzed
Pricing
Go Auto markets lower-cost coverage, but premiums depend heavily on location, driver profile and coverage limits. In Louisiana — Go Auto’s largest market — recent averages for a typical good driver are ≈$3,500–$4,100 per year for full coverage (central estimate ≈$3,800) and ≈$1,050–$1,300 for minimum coverage (Bankrate; ValuePenguin). Louisiana consistently ranks among the nation’s most expensive states. State regulator tools like the Louisiana Auto Rate Comparison Guides show how quotes can vary by parish. Industrywide premium levels have increased materially since 2021 per the motor‑vehicle‑insurance CPI.
Always compare multiple quotes. Use your state’s rate comparison resources (e.g., Louisiana’s guide above) alongside direct quotes from Go Auto and national carriers. Because Go Auto writes in four states, localized regulator tools are the most reliable way to benchmark its prices in your ZIP code.
Customer experience
Go Auto is not included in the latest J.D. Power U.S. Auto Insurance Study. The most standardized proxy for service is the NAIC Consumer Complaint Index for private‑passenger auto: an index of 1.00 equals the expected complaint share for a company of its market size (higher than 1.00 = more complaints than expected; lower = fewer). You can view Go Auto’s current and historical values in the NAIC’s Consumer Information Source and review state‑level indices from the Louisiana Department of Insurance and Nevada Division of Insurance. See the NAIC’s methodology for how to interpret the index.
Coverage
Go Auto Insurance offers the standard coverages most states require: bodily injury and property damage liability, and, where applicable or elected, uninsured/underinsured motorist, personal injury protection or medical payments, plus optional comprehensive and collision for physical damage. The company focuses on essential protections and a small set of extras, which may vary by state — confirm specifics during the quote process on the official site.
Deals, discounts and add-ons
Go Auto does not broadly market roadside assistance, rideshare coverage or gap insurance; it typically offers select options such as towing and rental reimbursement. Discount availability is narrower than with large national insurers and generally includes common items like multi‑vehicle or paid‑in‑full where offered. Verify active discounts at quote time on the official site. Given elevated premiums across the market since 2021 (BLS CPI), shopping and comparing is especially important.
Go Auto Insurance Overview: Financial Strength, Availability and History
Go Auto is a Louisiana‑domiciled private‑passenger auto insurer. It does not carry a public Financial Strength Rating from AM Best (Not Rated) and is not included in J.D. Power’s 2025 U.S. Auto Insurance Study. For objective data points, review its latest NAIC Consumer Complaint Index and statutory financials via the NAIC Consumer Information Source. Policyholders of admitted carriers generally have access to state guaranty fund protections subject to limits (NCIGF). Availability remains limited to Louisiana, Nevada, Ohio and Indiana (Go Auto Locations).
- In business since: Not publicly confirmed on the official site
- J.D Power 2021: Not included in the latest U.S. Auto Insurance Study
- A.M Best Financial Strength Rating: Not rated (verify status at AM Best)
| AM Best Financial Strength Rating | J.D. Power Claims Satisfaction Survey | 24/7 Claims Support | |
| Go Auto Insurance | N/A | N/A | Yes |
| USAA | A++ | —* | Yes |
| Geico | A++ | — | Yes |
| State Farm | A++ | — | Yes |
| Progressive | A+ | — | Yes |
| Nationwide | A+ | — | Yes |
| Safeco | A | — | Yes |
Information correct as of 2025. Sources: AM Best rating center; J.D. Power 2025 U.S. Auto Insurance Study. * USAA is not officially ranked with J.D. Power due to eligibility restrictions.
Go Auto Insurance vs. USAA
USAA is one of the highest‑rated national providers for eligible members. While Go Auto lacks an AM Best rating and is not covered by J.D. Power’s national rankings, USAA maintains strong financial strength and routinely scores at or near the top of J.D. Power’s auto insurance studies (not rank‑eligible due to membership limits; see 2025 study). Review USAA’s coverages and discounts on its official site (USAA Auto).
USAA primarily serves active duty, veterans and qualifying family members, offering broad coverage options and programs that often price below national averages for many profiles (Bankrate 2025). The main limitation is eligibility.
Go Auto Insurance vs. Geico
Geico is a large national carrier known for competitive pricing and a strong digital experience. It offers a broader set of options than Go Auto, including telematics (DriveEasy), roadside assistance, rental reimbursement, rideshare in many states, and Mechanical Breakdown Insurance for eligible vehicles (GEICO Auto).
GEICO’s customer satisfaction varies by region but is generally around or above industry average in recent J.D. Power studies, and it carries an A++ AM Best FSR. By contrast, Go Auto is unrated and not included in national satisfaction rankings; use NAIC and state complaint indices for apples‑to‑apples service comparisons (NAIC CIS; LDI complaint index).
How We Evaluated Go Auto Insurance
Our evaluation relies on independent sources and regulator datasets, including J.D. Power’s latest auto insurance studies (Auto Insurance Study; Insurance Shopping Study), AM Best, NAIC’s Consumer Information Source and Complaint Index methodology, state resources such as the Louisiana rate comparison guides, and current Louisiana pricing research from Bankrate and ValuePenguin, plus macro context from the BLS motor‑vehicle‑insurance CPI.
The Bottom Line
Go Auto can suit budget‑minded drivers who want basic, legally required coverage in Louisiana, Nevada, Ohio or Indiana. Its simple product set and local storefronts are advantages, but the trade‑offs include a limited footprint, fewer optional endorsements and discounts, and the absence of third‑party financial strength and national satisfaction ratings. Use NAIC/state complaint indices and state regulator rate guides to benchmark service and price before you buy (NAIC CIS; LDI guides).
Also note the naming distinction: this review covers the U.S. insurer GoAuto Insurance Company, not the Canadian Go Auto dealership group. If you’re eligible for broader national carriers, compare quotes and features from alternatives such as USAA and GEICO alongside Go Auto to find the best value in today’s elevated‑price environment (USAA Auto; GEICO Auto).
Go Auto Insurance FAQ
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