Find Your Perfect Policy: 866-843-5386

Last updated: May 13, 2024

Good2Go Auto Insurance Review 2024

Good2Go offers high-risk car insurance at decent prices, but drivers can also expect below-average service.

Twitter brand
Facebook brand
Linkedin brand
Reddit brand
Envelop icon

Good2Go — whose slogan is “Drive legal for less” — has offered auto insurance to high-risk drivers since 1992. While the company allows individuals with bad driving records to pay less, are its policies worth it?

As a writer for, I’m always looking for insurance providers that take care of their customers. From my research and firsthand experience interacting with the company as a potential customer, I can say that Good2Go doesn’t necessarily offer great value to drivers — even with its comparatively lower rates for high-risk policies.

The provider specializes in minimum limits insurance, so it’s not recommended if you’re looking for higher coverage limits. Ultimately, Good2Go is most suited for drivers who have trouble getting insured due to their driving history and want cheaper premiums. The lower rates come with a caveat: customers can also expect inconsistent service, longer claims processing times, and limited add-on coverages. However, the company does offer many discounts that don’t require a good driving record.

Below, I’ll guide you through our team’s industry research and my own experience getting a quote to help you decide whether Good2Go is the right provider for you.

We’ve reviewed dozens of insurance companies in addition to Good2Go, including the best for high-risk drivers and the best cheap auto insurance.

Quick Look: Good2Go Pros & Cons


  • Lower rates for high-risk drivers

  • Won’t drop coverage if drivers get a serious violation

  • Offers a plethora of discounts that don’t require a clean driving record


  • No mobile app

  • Poor customer service ratings

  • Not available in Hawaii, Kansas, Massachusetts, Alaska, Rhode Island, or Montana

Who Is Good2Go Auto Insurance Best For?

Good2Go Is Best for Those Who:

  • Are high-risk drivers, including individuals 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


Learn more about how insurance companies determine driver risk classification.

How Much Does Good2Go Car Insurance Cost?

On average, you’ll pay an average of $2,448 annually for a Good2Go car insurance policy, which is around 26 percent above the national average.

Keep in mind that other factors will affect your premium, including age, credit score, and location. For an auto insurer known for offering policies to high-risk drivers, Good2Go’s rates are relatively inexpensive — its average annual premium for car insurance is lower than other insurers that cater to high risk drivers, like The General, and even major providers like Allstate. Good2Go also offers a multitude of discounts, which we’ll go into detail later.

Take a look at the table below to see how Good2Go compares to other providers:

Company Average annual premium for full coverage Average annual premium for minimum coverage
National average $1,924 $547
AAA $2,211 $894
Allstate $2,639 $597
Farmers $2,320 $634
Gainsco $2,221 $800
GEICO $1,572 $413
The General $3,069 $1,606
Good2Go $2,448 $695
Kemper Auto $2,258 $963
Nationwide $1,805 $613
Progressive $1,891 $481
State Farm $1,697 $482


A low credit score can increase your auto insurance rates by just as much as a DUI conviction.

How You Can Save On Your Policy with Good2Go

Good2Go offers plenty of opportunities to save on car insurance with its auto insurance discounts. If you’re a high-risk driver, it’s a major advantage since many of these discounts don’t require a clean driving record.

Drivers save on car insurance with Good2Go for the following:

  • Having a clean driving record
  • Being a student with a “B” average or higher
  • Owning a home
  • Paying for your policy upfront
  • Renewing your policy
  • Taking a defensive driving course
  • Installing airbags or anti-theft systems in your vehicle

Highlight: Multi-Vehicle Discount

If you live in a household with more than one driver, you can take advantage of Good2Go’s multi-vehicle discount, which offers up to 25 percent off your policy. 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 fall on the higher end of the range.

Highlight: Prior Insurance Discount

I’m highlighting the prior insurance discount because 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.

My Experience Getting a Quote With Good2Go

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.

Good2Go Find the Lowest Down Payment

Good2Go Get Car Insurance That Fits Your Life

Good2Go What is your vehicle year

Good2Go How much coverage do you need

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.

What Types of Auto Insurance Coverage Does Good2Go Offer?

Good2Go offers drivers the typical car insurance coverages, including liability, collision, comprehensive, uninsured/underinsured motorist, and PIP. Good2Go’s policies are tailored towards minimum coverage, which you should keep in mind if you’re looking for higher coverage limits.

In addition to the standard coverages, Good2Go also offers towing and rental reimbursement. These usually add no more than $3 to $15 per month to your policy, so you may want to consider them if you choose Good2Go as your insurer.

Coverage What it pays for How much it costs
Towing coverage Cover for the cost of towing if your car breaks down Typically no more than a few dollars per month
Rental reimbursement Pays for a rental while your car is in the shop after a covered incident Typically no more than $15 per month

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, or Alaska.

Good2Go: Customer Satisfaction Data

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.

The National Association of Insurance Commissioners (NAIC), which sets the standards for U.S. insurance companies, reports that Good2Go has received more complaints than expected. It rated Good2Go’s complaint index as 10.72 in 2023.1 This means that customers were almost 11 times more likely to file complaints than customers of insurance companies of the same size.

Meanwhile, the average customer rating from the Better Business Bureau (BBB) is 1.36 out of five stars.2 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.

Category Good2Go score
National Association of Insurance Commissioners (NAIC) 14.96
Better Business Bureau 1.36 out of five stars (average customer rating)

Filing a Claim with Good2Go

Unlike other providers, Good2Go doesn’t have a way to 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 having trouble getting their payouts, or not getting their payouts 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’s Website and Mobile App

Good2Go doesn’t offer a mobile app, though it has a portal on its website where customers can manage their policies and make payments. Some customers report issues with the website, including challenges making payments or changing the information on their policies. You can also reach a customer representative to manage your policy by phone, though keep in mind that any payments taken by phone come with a fee.

Frequently Asked Questions

Who underwrites Good2Go insurance?

Good2Go insurance is underwritten by nine partner companies. The company that underwrites your Good2Go policy depends on your state and coverage.

These partner companies include:

  • The General
  • Progressive
  • American Independent Insurance Company
  • Titan Insurance
  • Infinity Auto Insurance
  • Omni Insurance Company
  • Omni Indemnity Company
  • Bankers Independent Insurance Company
  • Personal Service Insurance Company

Is Good2Go insurance legit?

Yes, Good2Go is a real insurance company. However, we don’t recommend it due to prolonged claims processing times and its history of unreliable customer service.

Methodology – How We Review Insurance Companies

We evaluate auto insurance companies with the following methodology:

  1. Rates and coverage: We look at the value, discounts, and availability in relation to the offered coverage.
  2. Customer experience: As auto insurance customers ourselves, we use our firsthand experience and third-party data to analyze providers thoroughly.
  3. Claims processing: An insurance provider’s most important responsibility is claim fulfillment. Our method evaluates the claims process with third-party data and customer reviews.
  4. Industry ratings and reviews: We break down data from independent agencies and examine factors, including complaint history and customer satisfaction.
  5. Digital tools and technology: We look at the role of digital tools in the customer experience, like the convenience of websites, mobile apps, and account management features.


  1. Personal Serv Ins Co National Complaint Index Report. National Association of Insurance Commissioners. (2023).

  2. Customer Reviews: Good2Go Insurance, Inc. Better Business Bureau. (2024).