Good2Go Auto Insurance Review 2026

Good2Go Is Best for Those Who:

• Are high-risk drivers with DUIs, at-fault accidents, or low credit
• Need to file an SR-22
• Plan to purchase minimum coverage

Good2Go Is Not Best for Those Who:

• Prioritize reliable customer service and agent responsiveness
• Prefer a speedy, solid claims process
• Have a clean driving record and/or good credit

On average, Good2Go’s rates are 26 percent above the national average for full coverage, and more than double the national average for minimum coverage.

That seems high — and it is — but that’s because Good2Go is a nonstandard insurer, catering to the high-risk market. High-risk drivers will pay more for car insurance.

Good2Go’s rates fall in the midrange for nonstandard insurers. For full coverage it’s cheaper, on average, than Bristol West, Dairyland, Direct, and Foremost, but pricier than Gainsco, The General, Kemper, and National General.

Averages will differ from what you’re quoted — the only way to find out whether an insurer’s rates are competitive for you is to get a quote.

If you’re considering Good2Go, we recommend looking into its many auto insurance discounts.¹ These offer ample savings opportunities for high-risk drivers, as many discounts don’t require a clean driving record.

Drivers can save on Good2Go with the following discounts:

• Good Driver: Having a clean driving record
• Good Student: Being a student age 16-25 with at least a “B” average
• Homeownership: Owning a home, condo, or mobile home
• Multi-Vehicle: Insuring multiple vehicles on the same policy
• Paid in Full: Paying for your entire policy upfront
• Renewal: Renewing your policy and remaining a loyal customer
• Defensive Driving: Passing a state-certified defensive driving course
• Airbag & Passive Restraint: Installing airbags or anti-theft systems in your vehicle
• Prior Insurance: Having at least six months of continuous coverage
• Non-Owners: Covering a car you rent or borrow frequently
• Driver’s Ed: Completing a driver’s ed course if you’re age 24 or under
• Phone Safety: Using the Good2Go LifeSaver text blocking app when driving

Highlight: Multi-Vehicle Discount

If you live in a household with more than one driver, you can utilize Good2Go’s multi-vehicle discount, which offers up to 25 percent off. The vehicles will be placed under one policyholder’s name, making it ideal for families with young drivers. While many insurers also offer multi-vehicle discounts, Good2Go’s potential maximum savings are higher than many of theirs.

Highlight: Prior Insurance Discount

I’m highlighting this discount as it’s one of the most accessible. Good2Go gives drivers up to 40 percent off if they’ve had continuous coverage with an auto provider for at least six months. The discount applies to major coverages like liability and collision. Plus, this offering gives the greatest potential savings compared to Good2Go’s other discounts.

I wanted to get an auto insurance quote with Good2Go to see how it compared to my premiums from my current insurer. With car insurance rates rising, I’ve been eager to lower the cost of my policy while keeping the same coverages.

It takes quite a bit of effort to get an estimate if you’re shopping with Good2Go. I visited its site and entered my personal information, only to be directed to a page offering to compare quotes from other insurers.

Finally, I called the number on its site to see if I could get a quote by phone. After relaying my details to the customer service representative, I was directed to an Allstate agent without any explanation. While I know that Good2Go acts as a broker for other companies, it doesn’t openly advertise that on its website. When I told the representative that I was directed to him from Good2Go, he mentioned that he’d never heard of the company offering car insurance.

If you’re planning to get a quote from Good2Go, I’d recommend calling directly and asking the customer representative whether Good2Go covers drivers in your location. Its quote process may take longer, but at least you can ask the right questions to save time.

Good2Go specializes in minimum liability coverage, per its goal of helping high-risk drivers become road legal. It also offers drivers other coverage types as add-ons, including collision, comprehensive, uninsured/underinsured motorist, and PIP.  Still, if you’re looking for higher liability limits, Good2Go may not be the best option for you.

Additionally, Good2Go also offers towing and rental reimbursement. These usually add no more than two to ten dollars to your monthly bill, so you may want to consider them if you choose Good2Go as your insurer. Check with the company to verify your exact cost.

Note that Good2Go doesn’t offer accident forgiveness. The insurer has more of a no-frills offering when it comes to coverage. Also, you won’t be able to get a policy with Good2Go if you live in Rhode Island, Hawaii, Kansas, Massachusetts, Montana, Alaska, or New York.

In terms of customer satisfaction, Good2Go ranks below average. Since it’s a smaller insurer, it’s not evaluated by sources I usually use, including AM Best and J.D. Power. However, there’s some data available from other third-party sources to get an overview of overall satisfaction.

Good2Go’s score with The National Association of Insurance Commissioners (NAIC) has improved over time. In 2025, its score was 1.85, meaning customers were a little under twice as likely to file complaints compared with similarly sized insurers. In 2024 its score was 5.87, and in 2023 it was 14.08.

Meanwhile, the average customer rating from the Better Business Bureau (BBB) is 1.17 out of five stars³. While most insurance companies have low BBB ratings, these reviews did give me pause. Many reviews mention trouble getting customer service or claims adjusters on the phone. Customers also complain about trying to cancel their policy, only to find out that Good2Go never received a cancellation notice from its subsidiary company.

Unlike other providers, Good2Go doesn’t let you file claims online. Before you reach a customer representative, make sure you have the following info on hand:

• Your policy number
• Date and location of the incident
• Vehicles involved
• The other party’s contact information

Once you’ve reported your claim, a representative will reach out to review the details of the incident. On the website, Good2Go mentions that a claims representative can speak to the expected claims processing timeline for your particular incident. Some customer reviews on the BBB site complain about waiting over five months for their claims to process. Others also mention getting their payouts late or not at all.

While I can’t personally speak to the claims process, keeping these reviews in mind is important. Since an auto insurer’s most important duty is claims fulfillment, you may want to consider these details carefully before purchasing a policy.

Good2Go has a limited online experience, and may not be best for policyholders who like self-serving policies via mobile or online.

• Mobile app: Good2Go doesn’t offer an app for policy management and claims processing. It does have a LifeSaver app for text blocking (used by drivers earning its Phone Safety discount), but you can’t do anything else on it.
• Website: You can manage policies and make payments on Good2Go’s website. Some customers report issues with making payments or updating their policies.
• Service calls: You can call a customer representative to manage your policy, but you must pay a fee for any payments made over the phone.

Good2Go is an okay option for high-risk drivers who need basic, affordable coverage to stay legally on the road. Its flexible eligibility and accessible discounts make it easier for these drivers to get insured when other companies may decline them. However, that accessibility comes with trade-offs, including below-average customer service, a slow and sometimes frustrating claims process, and limited coverage options. If you have a clean driving record or value strong service and digital tools, you’ll likely find better overall value with a standard auto insurance company.

At AutoInsurance.com, we evaluate insurers on four key criteria:

• Price (40%): We examine average premiums for both minimum and full coverage, factoring in high-risk drivers with DUIs, multiple accidents, or low credit scores. We also assess discount opportunities for these drivers and the availability of SR-22 filings. Our full coverage calculations use the following policy limits:
  • Bodily injury liability: $100,000 per person / $300,000 per accident
  • Property damage liability: $100,000 per accident
  • Uninsured/underinsured motorist bodily injury: $100,000 per person / $300,000 per accident
  • Comprehensive and collision coverage: $500 deductible
• Claims Handling (25%): We analyze how efficiently insurers handle claims, emphasizing promptness, transparency, clear communication, and fair resolution. To inform our evaluations, we use data from resources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, along with financial stability ratings from AM Best and S&P. When available, real customer feedback is also included.
• Customer Experience (25%): This category covers the ease of managing policies, including obtaining quotes, purchasing coverage, and making policy changes. We also assess the quality of online tools, mobile apps, and agent interactions. Sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
• Coverage Options (10%): We review the availability of coverage options beyond state minimum requirements, such as accident forgiveness and gap insurance.

Read more about our ratings and methodology.