Good2Go Auto Insurance Review 2024

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

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:

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.

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 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.

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.

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 12.42 in 2023.¹ This means that customers were almost 12 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.

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 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.

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: $50,000 per accident
  • Uninsured/underinsured motorist bodily injury: $50,000 per person / $100,000 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.