# Carpay vs GoAuto Insurance

The clearest difference is rating: Carpay at 4.8 against GoAuto Insurance's 2.1. Carpay also leads on review sentiment (44% vs 10%) and ratings volume (4.9K vs 179). GoAuto Insurance's advantage is iOS requirement (13.0 vs 15.1). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Carpay holds the better App Store score, 4.8 against 2.1. That said, the two scores are not equally well evidenced: Carpay has 4.9K ratings behind it against 179, so its average is the more settled of the two. Written reviews point the same way: 44% of Carpay's written reviews are positive against 10% of GoAuto Insurance's.

Carpay ships an update every 5 weeks, GoAuto Insurance every 6 weeks. The most recent releases landed on November 11, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Carpay | GoAuto Insurance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (4.9K ratings)](https://appshunter.io/ios/app/carpay/id1440081995/reviews)** | [2.1 (179 ratings)](https://appshunter.io/ios/app/goauto-insurance/id1501826302/reviews) |
| Number of ratings | **4.9K** | 179 |
| Positive reviews | **44.4% of reviews** | 9.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 6 weeks |
| Monetization | Free | Free |
| Size | 33 MB | 61 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [CarPay, Inc.](https://appshunter.io/developer/1440081994) | [GoAuto Management Services, LLC](https://appshunter.io/developer/1501826301) |

## What reviewers say

### Carpay

[App page](https://appshunter.io/ios/app/carpay/id1440081995)

Easily manage your car loan on the go. Make payments, view balances, and schedule automatic payments. Receive timely notifications to stay on top of your loan.

**Highlights:** Make loan payments, Print receipts, Check account balances, Schedule autopay, Enable notifications

**In-app purchases:** none

**What reviewers like**

- ⭐ Convenient and easy to use
- ⭐ Secure payment method
- ⭐ Helpful for making car payments remotely

**What reviewers complain about**

- 💰 Excessive and unexpected fees
- 🔒 Security issues with login and payment processing
- 🐛 Buggy and unreliable app functionality

**Reported bugs**

- Login credentials being deleted after app updates
- Inability to make payments through the app
- App failing to load user information

**Requested features**

- Ability to view payment history and remaining balance
- Option to set up automatic payments without fees
- Improved customer support and responsiveness


### GoAuto Insurance

[App page](https://appshunter.io/ios/app/goauto-insurance/id1501826302)

Get the best car insurance coverage at the lowest price. Obtain quotes, purchase policies, access digital ID cards, make payments, manage claims, and renew coverage all within the app.

**Highlights:** Get free car insurance quotes, Purchase and manage policies, Access digital ID cards, Make insurance payments, Submit and track claims, Renew insurance coverage

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Carpay free?

Carpay is free to download, with no in-app purchases.

### Is GoAuto Insurance free?

GoAuto Insurance is free to download, with no in-app purchases.

### Which has better reviews, Carpay or GoAuto Insurance?

Carpay is rated higher. Carpay averages 4.8 out of 5 from 4.9K ratings, while GoAuto Insurance averages 2.1 from 179 ratings.

### Do Carpay or GoAuto Insurance have ads?

Neither Carpay nor GoAuto Insurance shows ads.

### Which is updated more often, Carpay or GoAuto Insurance?

Carpay ships an update every 5 weeks, and GoAuto Insurance every 6 weeks. Most recently, Carpay was updated on November 11, 2026 and GoAuto Insurance on November 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*