Advertiser Disclosure

Good2Go Auto Insurance Review 2021

Good2Go specializes in selling minimum car insurance to high-risk drivers, but other insurers are likely a better choice for most shoppers.
May 21, 2021
Auto Insurance, Insurance
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Lisa Green
  • Specializes in selling minimum required car insurance.
  • Focuses on high-risk drivers.
  • Can provide SR-22 forms for drivers who need one.

 

Good2Go has an unusual and complex operating structure. The name refers to an insurance agency as well as several insurance companies owned by the same firm. Good2Go sells policies through its own member companies as well as outside partners, so it may be unclear which company you’re getting a quote from until you enter some of your personal data.

Regulators in at least three states have found fault with the business practices of companies that operate under the Good2Go brand. In addition, financial strength ratings agencies have raised concerns about the companies’ ability to pay claims.

NerdWallet recommends exploring all other alternatives before considering Good2Go. If you’re shopping for minimum required car insurance, you have many options that are likely to be better choices.

 

» MORE: Best car insurance companies for high-risk drivers

How Good2Go auto insurance works

Good2Go specializes in providing the minimum coverage a driver needs to meet state laws. It caters to high-risk drivers who may have trouble getting car insurance elsewhere.

Good2Go sells auto policies online and by phone and is licensed to sell insurance in all states except Alaska, Hawaii, Kansas, Massachusetts, Montana and Rhode Island. Some of the policies come from seven insurers that are under the same ownership as the Good2Go agency:

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

Together these seven companies, which operate under the Good2Go brand, are licensed to issue insurance policies in 26 states and Washington, D.C. However, insurers don’t always issue policies in every state where they’re licensed.

Good2Go also offers policies from partner companies, including several that provide quotes online and specialize in covering high-risk drivers. Good2Go’s partners include:

» MORE: The best car insurance companies for 2021

Good2Go auto insurance

3.0 NerdWallet rating

Good2Go auto insurance earned 3 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners and more.

Common types of car insurance coverage

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance to drive a vehicle, although minimum coverage requirements vary from state to state. This generally includes liability insurance and uninsured and underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy you can buy, but rather a combination of coverage types like liability, collision and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:

Coverage typeWhat it pays forRequired?
Bodily injury and property damage liabilityCosts for injuries, deaths or property damage from an accident you caused.Typically required.
Uninsured or underinsured motorist coverageMedical and property damage costs after an accident with a driver who has insufficient insurance or none at all.Often required.
Collision coverageRepair expenses from traffic-related accidents, regardless of who's at fault.A car loan or lease may require it.
Comprehensive coverageRepair costs from events outside your control — including weather events, hitting an animal while driving, theft and vandalism.A car loan or lease may require it.

Although Good2Go focuses on selling liability insurance to high-risk drivers, the agency also offers optional comprehensive and collision coverage. If you owe money on a car loan or lease, your lender may require this coverage, which pays to repair or replace your car if it’s stolen or damaged, no matter who is at fault.

Good2Go also offers:

  • Roadside assistance, including coverage for towing.
  • SR-22 availability. You can get an SR-22 form, a document that your state may require to prove you have insurance after a DUI or some other serious violation.

» MORE: SR-22s, insurance and how to get cheaper rates

Payment options: Good2Go says it can provide immediate proof of insurance when you buy a policy, with down payments as low as $20. Additional payments are due 20 and 37 days later, then every 30 days. Quarterly and annual payment options are also available.

Good2Go’s auto insurance discounts

Good2Go has a hefty list of discounts, but not all are available in every state or from every company Good2Go represents. Depending on the policy, you may be offered discounts for:

  • Insuring more than one vehicle.
  • Paying your premium in full, upfront.
  • Owning your home.
  • Having good grades, if you or someone insured on your policy is a student.
  • Renewing your policy with Good2Go.
  • Taking a defensive driving class or completing driver’s education.
  • Avoiding accidents and traffic violations.
  • Having been insured at least six months in a row with your previous insurer.
  • Not owning a vehicle. (You would be covered when driving one you rented or borrowed.)
  • Driving a car with safety features like air bags.
  • Driving a car with a built-in anti-theft system.
  • Having your car’s vehicle identification number (VIN) etched onto its windows, making the car less appealing to thieves.
  • Using the Good2Go Auto Insurance LifeSaver mobile app to block text messages when you’re driving.

» MORE: Compare car insurance rates

Complaints about Good2Go

Over three years, Good2Go branded insurers have drawn far more complaints to state regulators than expected for a company of its size for auto insurance, according to a NerdWallet analysis of data from the National Association of Insurance Commissioners.

More about Good2Go insurance

Website: The Good2Go website explains car insurance requirements for each state, including drunken driving penalties, SR-22 requirements, consequences of driving without car insurance and laws about texting or using a cell phone while driving. The Good2Go website offers the option to log in to see policy information and make payments. However, Good2Go doesn’t offer a mobile app for managing policies.

Filing a claim: Good2Go doesn’t offer 24/7 claim filing or the ability to file online. Claims must be filed by calling Good2Go during weekday business hours, and each claim is handled by a claim representative.

Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect basic information, such as the driving history of everyone on the policy and facts about your car, including safety features and annual mileage driven. You’ll also want to understand which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to decide based on price alone. Look at how many consumer complaints each company has, as high numbers can be a red flag about the quality of service you might receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

Recap: Good2Go pros and cons

ProsCons
Lots of discountsFar more than the expected number of consumer complaints to state regulators
Can get an SR-22 if you need oneFinancial stability concerns
History of penalties from state regulators

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, website transparency and affordability. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

About the author