Good2Go Auto Insurance Review 2023

Who It’s Best For

• High-risk drivers who struggle to find coverage elsewhere: Drivers who have been classified as high-risk because of driving history, age, location, or other reasons struggle to find affordable auto insurance. Good2Go specializes in high-risk car insurance, offering low down payments on high-risk insurance plans.
• Drivers looking for flexible payment options: Good2Go offers a variety of convenient payment plans.

Who It’s Not Best For

• Drivers who prioritize convenient customer service: Many online complaints about Good2Go center on the difficulty of reaching the company’s customer service agents and of getting in touch with the partner companies that provide its insurance. Its NAIC complaint index has improved in the last year, however.

Pros and Cons of Good2Go Auto Insurance

The brand name Good2Go refers to both the insurance carrier Good2Go Auto Insurance, and to an insurance broker of the same name which sells insurance policies from these eight other companies:

• Arrowhead General
• Bristol West
• Dairyland
• The General
• Infinity
• National General
• Plymouth Rock
• Progressive

Good2Go’s own auto insurance brand offers the following types of insurance. If you’re looking for more coverage such as medical payments coverage or gap insurance, Good2Go can match you with one of the eight other companies it represents to get the right coverage for your needs.

• Minimum limits insurance: Good2Go’s company focus is on minimum limits insurance, which means it offers the minimum amount of liability insurance a state requires and nothing more. Minimum limits coverage is cheaper than other insurance options, but it does not cover all of the potential costs of an accident. For example, minimum limits insurance may cover injuries and damages to the other parties involved in an accident, but it won’t pay for your own costs.
• Collision insurance: If you’re found to be at fault in an accident, collision insurance may pay for repairs to your car. Collision coverage goes beyond the scope of minimum limits insurance, which does not cover your own vehicle.
• Comprehensive insurance: Comprehensive insurance covers many types of damages to your car that happen because of something other than an accident. Incidents can include theft, vandalism, and weather damage.

Our AutoInsurance.com market analysis indicates that the average annual auto insurance rate from Good2Go is $2,040 per year.

As with many other elements of Good2Go’s coverage, your rate depends on which of the brands provides your policy. Many factors affect car insurance rates, including your age, credit score, the area where you live, the model, year, and safety rating of your vehicle, and your previous driving history.

Your coverage options, such as whether you add on additional car insurance coverage like comprehensive coverage not legally required by your state, will also affect the cost. Get quotes from multiple auto insurance companies to see which one is cheapest, from Good2Go to State Farm.

Good2Go’s discounts vary significantly because of the company’s structure. Each of the eight providers under the Good2Go insurance brand has its own approach to discounts. They may offer different amounts of savings and require different qualifications to be eligible for its discounts. We’ve compiled some discounts available from Good2Go’s own insurance brand and its brokerage brands below:

• Good driver discounts: If you have a clean driving record without a recent history of accidents or traffic violations, you can save between 5 and 15 percent on your Good2Go policy.
• Homeownership discounts: Owning your own house, apartment, condo, or mobile home could qualify you to save between 5 and 10 percent.
• Multi-vehicle discounts: You and your family can insure multiple cars with Good2Go for savings between 10 and 25 percent.
• Paid in full discounts: If you pay for your Good2Go auto insurance policy upfront rather than in monthly increments, you could save 5 to 10 percent.
• Defensive driving course discounts: Submitting proof that you completed a state-certified defensive driving course could save you between 5 and 15 percent.
• Driver’s education discounts: If you’re a driver aged 24 or younger, you could save up to 10 percent for completing a driver’s education course. You could even earn this discount for your family’s insurance plan.
• Student driver discounts: If you are a high school or college student between the ages of 16 and 25, maintaining a B grade average or above could save you between 5 and 20 percent.
• Airbag and passive restraint discounts: Vehicles with proper, factory-installed seatbelts and airbags can earn you an up to 5 percent discount on your medical payments coverage.
• Anti-theft system and VIN etching discounts: Vehicles with built-in anti-theft systems (either factory-made or self-installed) can save you up to 5 percent.
• Prior insurance discounts: If you have had at least six months of continuous auto insurance coverage with another insurance provider, you could save up to 40 percent.
• Renewal discounts: If you’re a current Good2Go customer, you could save 3 to 5 percent by extending your policy.
• Non-owner discounts: You can save up to 25 percent on insurance if you are borrowing or renting a car and insuring it through non-owner insurance.

As of October 2022, Good2Go auto insurance is available in Washington, D.C., and in every U.S. state except Alaska, Hawaii, Kansas, Massachusetts, Montana, and Rhode Island.

Because Good2Go can match you with any one of its insurance providers, you might find it difficult to figure out where your coverage comes from and how best to contact that company. Some online complaints about Good2Go reflect customers’ frustrations with not being able to find out the name and specific policies of their actual insurance company after an accident. Always read your insurer’s policy declarations page for detailed information on your policy, but here is the contact information for the providers Good2Go offers:

Good2Go does not currently offer a mobile app. Its website includes a customer MyPolicy portal, which its customers can use to make payments, file claims, and manage their auto insurance policies. Check out the portal here: https://mypolicy.good2go.com/account/login.

For customers who purchased policies from other insurance companies through Good2Go, use that insurance provider’s mobile app, if it has one.

• National Association of Insurance Commissioners: According to the complaint index of the National Association of Insurance Commissioners (NAIC), the regulatory body which sets the standards and best practices for insurance companies throughout the U.S., Good2Go has received an unusually high number of confirmed complaints. In 2021, NAIC rated Good2Go’s complaint index as 14.96, meaning that Good2Go customers were nearly 15 times more likely to submit complaints than customers of other similarly-sized insurance companies.² This rating improved significantly from 2020, when Good2Go’s NAIC complaint index was 48.39.
• Better Business Bureau: The Better Business Bureau gives Good2Go an A+ rating, and Good2Go’s accreditation status is pending. The company’s average customer rating on the BBB website is 1.45 out of five stars.³

  Many Better Business Bureau customer complaints against Good2Go mention the difficulty of canceling their policies. Customers express frustration with not being able to get through to their specific insurers in order to cancel their policies or finding out that Good2Go never received notice of cancellation from the subsidiary company and has continued billing them. Good2Go now lists its contact information more clearly on its website, however, making it easier for customers to get in touch with the right company.

Good2Go has nearly three decades of experience in the automobile insurance industry. It was founded in 1992 under the name American Independent Companies, Inc (AICI).

In 2011, AICI launched Good2Go Direct Insurance, advertised as a new brand specializing in selling affordable high-risk auto insurance. In 2016, American Independent Companies, Inc changed its name to Good2Go Auto Insurance, consolidating Good2Go Direct Insurance and seven other companies together under the brand name Good2Go Insurance, Inc.

While Good2Go itself does not offer any types of coverage other than auto insurance, in 2021, the company announced a new initiative to provide its customers with a greater variety of insurance options. Good2Go works in tandem with Bindable, an insurance technology company with a proprietary platform that allows customers to bundle their Good2Go auto insurance with policies from other providers. Good2Go and Bindable advertise discounted rates for bundling multiple types of insurance. Check the table below to see what other types of insurance Good2Go and the companies it represents have to offer.

If you need to cancel your auto insurance from Good2Go, call its toll-free contact number at 1-800-777-6664. If your insurance comes from another provider, contact its customer service department (listed above).