GoAuto is a small, fast-growing insurer aimed squarely at drivers other companies charge the most or turn away. Its pitch is simple: low down payments, flexible payment dates and no commissioned agents. This review covers what GoAuto says it offers, who owns it, and what the Texas Department of Insurance’s complaint data shows as the company grew.
This review is for educational purposes only and is not personalized insurance advice. We are not licensed insurance agents. Coverage, pricing and availability vary by state; your policy documents control.
The Verdict
Convenient and accessible for high-risk drivers, but its Texas complaint index has been well above average and is rising. If you are in GoAuto’s market, get its quote, and get at least two more from other non-standard insurers before you buy.
| Founded | 2009, in Louisiana |
| States (per its website) | Alabama, Florida, Georgia, Louisiana, Nevada, Ohio, Tennessee, Texas |
| Who it serves | “High-risk drivers,” in its own words |
| How it sells | Online, phone, app and locations; no commissioned agents |
| Texas complaint index, 2025 | 3.34 (37 confirmed complaints on 67,269 policies; 1.00 is average) |
| Texas complaint index, 2024 | 2.37 (11 on 43,357) |
What GoAuto Offers
GoAuto’s website says it serves high-risk drivers in eight states and lists what it does differently:
- No commissioned agents and no expensive add-ons
- Low down payments and custom payment plans, including choosing your payment date
- An app for quotes, buying and renewing, monthly payments, digital ID cards, policy documents, and reporting and managing claims
- Chat support on the website and app, a phone line, and in-person service at its locations
Its About page states the mission as “to save our customer’s money and provide excellent customer service.” The site does not list its coverages in detail, its financial strength rating or which insurance company issues policies in each state; ask for those before you buy.
Ownership and History
WBRZ reported on May 26, 2022 that GoAuto, “founded in 2009” by CEO Greg Tramontin, had been acquired by Milestone Partners, a Pennsylvania equity firm. At the time it had 70 captive storefronts and operated in four states: Louisiana, Texas, Nevada and Ohio. Its website now lists eight.
Texas Complaint Record
In the Texas Department of Insurance’s complaint index dataset, GoAuto Insurance Company grew quickly in 2025, and its complaints grew faster still.
Policies grew 55%; complaints more than tripled
Policies rose 55%, from 43,357 to 67,269. Confirmed complaints rose from 11 to 37. Because complaints across the whole Texas auto market also rose 55.6% in 2025, GoAuto’s index rose less steeply than its raw count, from 2.37 to 3.34. Among the 67 Texas auto insurers with at least 10,000 policies, GoAuto ranks 62nd.
GoAuto beside other insurers we review
Our Texas car insurance complaint index ranks all 67. We do not have comparable data for GoAuto’s other states.
Who GoAuto Suits
- High-risk drivers who need low upfront cost and want to manage everything, including claims, from an app.
- Drivers who prefer to walk into a store in GoAuto’s markets.
Before you buy:
- Ask which insurance company issues the policy and look it up in your state’s complaint data or the NAIC’s Consumer Insurance Search.
- Compare at least two other non-standard insurers. We review Dairyland, Infinity (Kemper Auto), National General and Fred Loya.
- If you need an SR-22, confirm GoAuto can file it in your state; our guide explains what SR-22 insurance is.
- Check what a minimum policy leaves out. Our guide to how much car insurance you need explains the gap between the legal minimum and real-world claims.
FAQ
Is GoAuto a good insurance company?
GoAuto offers low down payments and app-based service for high-risk drivers, but its Texas complaint record is weak. Texas Department of Insurance data gives GoAuto Insurance Company a 2025 auto complaint index of 3.34, meaning about three times as many confirmed complaints as an average insurer of its size, up from 2.37 in 2024.
What states is GoAuto Insurance in?
GoAuto’s website lists Alabama, Florida, Georgia, Louisiana, Nevada, Ohio, Tennessee and Texas. In 2022, when it was sold to Milestone Partners, local reporting said it operated in four states: Louisiana, Texas, Nevada and Ohio.
Who owns GoAuto Insurance?
WBRZ reported in May 2022 that GoAuto, founded in 2009 by CEO Greg Tramontin, was acquired by Milestone Partners, a Pennsylvania private equity firm. Check the company’s current disclosures for any later changes.
Does GoAuto use agents?
GoAuto’s website says it has no commissioned agents. Customers can quote and buy online, by phone, in the app or at its locations.