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By Ross Martin

Updated December 3, 2022

Good2Go insurance at a glance

Pros	Cons
Affordable rates A workable option for drivers requiring only bare-bones coverage Provides a number of discounts	Poor customer service ratings Frequent customer complaints Only offers auto insurance Coverage options are limited Poor financial ratings leave a question mark on their longevity and ability to cover claims Expect your personal information to be passed to multiple companies

Table of contents:

Good2Go car insurance review
Where is Good2Go car insurance available?
How does Good2Go insurance work?
Good2Go auto insurance driver discounts
Is Good2Go right for you?

Good2Go car insurance review

2.5 Rating from The Zebra

Good2Go Insurance offers car insurance options for the non-standard market, which includes drivers who could have a tough time finding coverage from other car insurance companies. Car insurance is the only offering from the company, which specializes in providing affordable minimum coverage for those who need it. In general, this is not the policy or insurance company for most drivers. Many will find its auto insurance offerings to be lacking. Furthermore, though the company is likely to provide cheaper rates, customers are not likely to have a great claims or customer service experience. In short, those having trouble finding coverage from other carriers or who favor rock-bottom prices above all else may find Good2Go Insurance a viable option, though standard customers won't.

Find below our complete Good2Go Insurance review, including info on the discount insurance company’s customer service reputation, finances and coverage options.

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Customer satisfaction (J.D. Power) — Not rated

Claims satisfaction (J.D. Power) — Not rated

Financial strength — Not rated: In 2017, Good2Go requested to no longer participate in AM Best's financial rating program, meaning the company is currently unrated. Before this, the company's financial ratings were falling and were seen as negative.

NAIC Rating — Poor: Good2Go Insurance receives far more complaints than the average among top insurance providers, according to the National Association of Insurance Commissioners.

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Where is Good2Go car insurance available?

Good2Go claims to provide coverage in all 50 U.S. states and Washington D.C., though it's likely coverage in some areas is provided through one of Good2Go's partner companies.

Company	States available
Good2Go car insurance	AK, AL, AZ, AR, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

Good2Go auto insurance coverage options

The car insurance options offered by Good2Go are well-suited to high-risk drivers who might struggle to get insurance elsewhere. While the coverage provided may not be as robust as those offered by larger insurers, it can keep drivers road-legal.

Auto insurance coverage options from Good2Go include:

Minimum liability limits
Collision coverage
Comprehensive coverage

Along with these more standard insurance options, Good2Go also provides the following:

SR-22 coverage: Good2Go can help drivers obtain SR-22s if they have a record of serious infractions such as DUI/DWI. An SR-22 is a certificate from an insurance company that must be filed with the state.

How does Good2Go insurance work?

Good2Go operates in a different manner than most insurance companies. In addition to underwriting its own policies, Good2Go partners with a number of carriers to provide auto insurance coverage. Essentially, if Good2Go is unable to insure you, the company passes your information to its partner companies. These companies will approach you with insurance quotes, either by phone or email.

While the company offers its own policies to customers over the phone and online, there’s a chance that your policy may come from one of Good2Go's partner companies. The following companies operate under the Good2Go brand:

American Independent Insurance
Apollo Casualty
Bankers Independent Insurance
Delphi Casualty
Omni Indemnity
Omni Insurance
Personal Service Insurance

The company also refers customers to outside partners, many of which specialize in providing coverage to high-risk drivers. If Good2Go doesn’t provide you a policy, your information can be passed along to other insurance providers who can reach out to you to solicit your business. So when you sign up with Good2Go, you are not guaranteed a Good2Go policy. It’s entirely likely that your policy will be fulfilled by a completely different insurance carrier.

Good2Go auto insurance driver discounts

Good2Go offers ways to save money on your car insurance premium. Although Good2Go is already known for its low insurance rates, the following options can lead to even cheaper monthly premiums. Keep in mind these discounts may vary by state.

Driver's education discount: Family members aged 24 and under can earn a driver's education discount of up to 10% by completing a driver's education course.
Defensive driving course: If you take and pass a state-certified defensive driving course, you can earn a discount of between 5% and 15% on certain coverages.
Good driver: Most insurance providers offer some form of savings for good driving. Good2Go offers significant savings for those who remain free of at-fault accidents or driving infractions. By keeping your driving record clean, you can receive a discount between 10% and 35% on average.
Student driver: Teenage drivers often incur higher insurance rates. However, parents with teenage drivers can find savings for students aged 16-24 who maintain a B average or above. Average savings usually fall between 5% to 20%.
Cell phone safety discount: For those who can prove the purchase of a text-blocking app for when they are driving, Good2Go offers a 5% discount for qualified drivers in Alabama, Connecticut, Delaware, Georgia, Illinois, Indiana, Mississippi, Missouri, New Jersey, Pennsylvania and South Carolina.
Non-owner discount: Those who frequently rent or borrow cars may qualify for a non-owner discount on a non-owners policy of up to 25%.

Auto policy discounts with Good2Go

Homeownership: Those who own homes, condos or mobile homes could see discounts on their car insurance policies that typically average about 8%.
Multi-vehicle: Insuring multiple vehicles on the same policy could lead to significant savings of up to 31%.
Paid in full: Paying your premium in a lump sum could save you upwards of up to 31%.
Renewal discount: Being loyal to your car insurance company could lead to 3% to 5% savings if you’ve had continuous coverage and remained claim-free.
Prior insurance discount: Motorists with at least six months of continuous coverage with their current auto insurance company can qualify for a prior insurance discount of up to 40% on most coverages.

Vehicle discounts

Discounts for airbags and passive restraint: A car with full-front seat airbags or a passive restraint system could save you up to 5% on your auto policy.
Anti-theft system: With security features like an anti-theft system or VIN etching, you could save up to 5% on comprehensive coverage.

Good2Go auto insurance reviews: is Good2Go right for you?

An auto insurance policy from Good2Go Insurance can provide the state-mandated minimum limits of car insurance. Still, there are features about Good2Go Insurance that could give some customers pause, including the provider's less-than-stellar financials. Furthermore, customer reviews and the NAIC complaint ratio suggest policyholders may be left nonplussed by the company’s customer service. It’s always a good idea to do research and check out customer reviews first-hand to get an idea of what to expect as a policyholder.

Just because Good2Go focuses on non-standard drivers doesn’t mean they provide the most comprehensive coverage or the cheapest insurance rates. When looking for cheap car insurance, it never hurts to search for multiple insurance quotes to get a snapshot of the types of coverage available. You may find insurance policies that offer better coverage at lower rates.

To some degree, Good2Go works as a quote comparison site. However, its scope is limited to the handful of carriers with which it partners, and customers may be put off by being approached by multiple insurance companies. The Zebra, on the other hand, provides quotes from dozens of insurance carriers at once, providing an array of coverage options without sharing your contact information.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.

Good2Go Insurance Review