GoAuto Insurance
GoAuto Insurance is a private direct-to-consumer personal auto insurance carrier operating across seven U.S. states, targeting individual drivers — including high-risk drivers — with low-cost policies sold via web, mobile app, phone, and physical retail locations on flexible monthly payment plans.
- Company typePrivate
- Founded2009
- HeadquartersLouisiana, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What GoAuto Insurance does
GoAuto Insurance is a private personal auto insurance carrier founded in 2009, headquartered in Louisiana and licensed to operate across seven U.S. states: Alabama, Florida, Georgia, Louisiana, Nevada, Ohio, and Texas. The company targets individual drivers — explicitly including those classified as high-risk by other insurers — with a positioning built on low-cost policies. It runs a direct-to-consumer distribution model that does not use commissioned agents, and its core differentiators are the absence of expensive add-ons, low and affordable down payments, custom payment plans, and the ability for customers to choose their own billing date. The company describes itself as family-oriented and competes on accessibility and price rather than brand prestige or coverage breadth.
The company's product surface is built around three digital channels: a web-based quote and self-service portal, a native mobile application on iOS and Android that supports end-to-end quoting, purchasing, renewal, payment, policy management, digital ID cards, and claims filing, and inbound phone sales. Physical retail storefronts in operating states complement the digital channels for in-person service, and a dedicated Spanish-language website extends accessibility to Hispanic consumers. The technology described is a conventional digital insurance platform; no AI, machine learning, telematics, or data-science capabilities are referenced.
GoAuto generates revenue through recurring insurance premiums billed monthly via subscription-style payment plans. Pricing is quote-based and not publicly disclosed, but is structured to lower upfront cost barriers for price-sensitive and high-risk drivers. Ownership, capital structure, institutional backers, and financial performance are not publicly disclosed, and no funding rounds, M&A activity, patents, or partnerships appear in the source material.
GoAuto Insurance firmographics
Firmographics- Name
- GoAuto Insurance
- Legal name
- GoAuto Insurance
- Website
- https://ww1.goautoinsurance.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- GoAuto Insurance is a private direct-to-consumer personal auto insurance carrier operating across seven U.S. states, targeting individual drivers — including high-risk drivers — with low-cost policies sold via web, mobile app, phone, and physical retail locations on flexible monthly payment plans.
- Ownership category
- akta.pro rank
GoAuto Insurance industry classification
Industry- Product category
- Personal Auto Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Non-Standard / High-Risk Personal Auto Insurance (FSAJAAAD)
- akta.pro secondary industry
- Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)
Keywords
Where GoAuto Insurance is headquartered
LocationHeadquarters
- HQ city
- Louisiana
- HQ country
- United States
- HQ region
- North America
Markets served
GoAuto Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Premiums: GoAuto Insurance generates revenue through recurring insurance premium payments from policyholders. Policies are sold directly to consumers with customizable payment plans including low down payments and flexible billing dates.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Custom Car Insurance Policy |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
GoAuto Insurance product offering
Product offeringCore offering
GoAuto Insurance sells low-cost personal auto insurance policies directly to individual drivers across seven U.S. states (Alabama, Florida, Georgia, Louisiana, Nevada, Ohio, and Texas), with a particular focus on high-risk drivers who may struggle to obtain affordable coverage elsewhere. Policies are distributed through a website, iOS/Android mobile app, inbound phone sales, and physical retail locations, and are supported by self-service tools for quoting, purchasing, renewing, paying, and filing claims.
Product overview
GoAuto Insurance is a low-cost car insurance company offering coverage primarily for high-risk drivers across seven states (Alabama, Florida, Georgia, Louisiana, Nevada, Ohio, and Texas). The company's product portfolio consists of a core insurance service delivered through multiple channels: a mobile app (available on iOS and Android) for on-the-go policy management, an online quote portal for obtaining quotes and purchasing policies, and a self-service customer portal for managing existing policies, filing claims, and making payments. The company emphasizes no commissioned agents, no expensive add-ons, low down payments, custom payment plans, and flexible payment date options.
Differentiator
Problem solved
Functional benefit
Products and services
- Low-Cost Car Insurance Policy Customizable personal auto insurance policy sold directly to individual drivers across seven U.S. states (Alabama, Florida, Georgia, Louisiana, Nevada, Ohio, and Texas), featuring low and affordable down payments, custom payment plans, customer-selected payment dates, monthly recurring billing, and no expensive add-ons. Designed for cost-sensitive drivers and high-risk drivers who may have difficulty obtaining coverage elsewhere.
- GoAuto Insurance Mobile App Full-featured mobile application for GoAuto Insurance policyholders on iOS and Android. Enables customers to get quotes, buy or renew policies, pay monthly bills, manage policies (add/remove vehicles and drivers, update addresses), access digital ID cards and policy documents, and report and manage claims.
Companies that use GoAuto Insurance
Customer profileNamed customers5 records
Segments2 records
Ideal customer profiles2 records
GoAuto Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
GoAuto Insurance partnerships and signals
Strategic signalScale indicators1 record
Expansion highlights4 records
GoAuto Insurance competitors and assessment
Company assessmentDirect peers
- Dairyland Insurance: Dairyland is a well-known non-standard auto and motorcycle insurer focused on riders and high-risk drivers, comparable to GoAuto in customer profile and direct/agent hybrid distribution.
- Infinity Insurance: Infinity is a non-standard personal auto carrier writing policies in many of the same Sunbelt states as GoAuto, with a comparable mix of standard and non-standard risk.
- The General Insurance: The General is a well-known direct-to-consumer non-standard auto insurer specializing in high-risk drivers, closely matching GoAuto's target customer and online/direct distribution model.
- Direct Auto Insurance: Direct Auto is a non-standard personal auto carrier that sells directly and through agents to high-risk drivers across multiple U.S. states, directly competing with GoAuto's niche.
- Bristol West Insurance: Bristol West specializes in non-standard and preferred personal auto insurance distributed through independent agents, serving a similar customer segment to GoAuto across many of the same states.
- Fred Loya Insurance: Fred Loya is a non-standard personal auto insurer heavily concentrated in Texas and other Sunbelt states, with a low-cost, direct/retail model directly comparable to GoAuto.
- AssuranceAmerica Insurance: AssuranceAmerica is a non-standard auto carrier operating across the Southeast and other states with a mix of direct and agency distribution, targeting the same high-risk demographic as GoAuto.
Broad incumbents
- GEICO: GEICO is a national personal auto incumbent with a direct-to-consumer model that competes on price across standard and non-standard risk, providing scale and pricing benchmarks that affect GoAuto's competitive positioning.
- Progressive: Progressive is the largest U.S. personal auto writer and a direct-to-consumer leader; its non-standard and standard auto segments compete head-to-head with GoAuto across shared states.
Emerging players
- Root Insurance: Root is an insurtech using telematics-based pricing to compete in personal auto; it represents the digital-native pricing pressure that could erode GoAuto's traditional non-standard cost advantage over time.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
GoAuto Insurance social profiles
Digital presenceGoAuto Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
GoAuto Insurance leadership team
Management profileNumber of profiles
GoAuto Insurance funding detail
Funding detailFunding overview
Funding rounds1 record
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
GoAuto Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about GoAuto Insurance
What does GoAuto Insurance do?
GoAuto Insurance sells low-cost personal auto insurance policies directly to individual drivers across seven U.S. states (Alabama, Florida, Georgia, Louisiana, Nevada, Ohio, and Texas), with a particular focus on high-risk drivers who may struggle to obtain affordable coverage elsewhere. Policies are distributed through a website, iOS/Android mobile app, inbound phone sales, and physical retail locations, and are supported by self-service tools for quoting, purchasing, renewing, paying, and filing claims.
Is GoAuto Insurance a public or private company?
GoAuto Insurance is a private company. It is classified as unknown and is currently operating.
When was GoAuto Insurance founded?
GoAuto Insurance was founded in 2009. It employs 51 to 100 people.
Where is GoAuto Insurance based?
GoAuto Insurance is headquartered in Louisiana, United States, in the North America region.
How does GoAuto Insurance make money?
One revenue line is on record: insurance Premiums.
Who are GoAuto Insurance's main competitors?
Direct peers on record are Dairyland Insurance, Infinity Insurance, The General Insurance, Direct Auto Insurance, Bristol West Insurance, Fred Loya Insurance and AssuranceAmerica Insurance. Broad incumbents are GEICO and Progressive. Root Insurance is listed as an emerging player.
Does GoAuto Insurance have an API?
No public API is recorded for GoAuto Insurance.
What industry is GoAuto Insurance in?
GoAuto Insurance's product category is Personal Auto Insurance. Its primary akta.pro industry code is FSAJAAAD, Non-Standard / High-Risk Personal Auto Insurance, with a secondary code of FSAJAAAA, Standard Personal Auto Insurance (Liability, Collision & Comprehensive). Its NAICS code is 524126 and its SIC code is 6331.