Good2Go Auto Insurance Review 2023

Kayda Norman
By Kayda Norman  

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Our Take

The bottom line:

High-risk drivers can get a policy from Good2Go but may be better off looking elsewhere due to the company’s complex operating structure and high number of complaints.

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Full Review

Good2Go Auto Insurance
Good2Go
NAIC complaints
Far more than expected
Ease of use
Below average
Discounts
Great set of discounts
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Pros & Cons

Pros

  • Lots of discounts.
  • Can file an SR-22 if you need one.

Cons

  • Far more than the expected number of consumer complaints to state regulators.
  • Financial stability concerns.
  • History of penalties from state regulators.

Full Review

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’ abilities to pay claims.

NerdWallet recommends exploring all 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: The best car insurance companies

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.

In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:

Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B. 

Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.

Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.

Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.

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 sold by Good2Go 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.

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

Good2Go auto insurance coverage

When you're shopping for car insurance coverage, it's important to understand what coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

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.

Good2Go says it can provide immediate proof of insurance when you buy a policy.

» MORE: Compare car insurance rates

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.

  • Completing a driver’s education course if you or a driver on your policy is under age 25.

  • 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.

🤓Nerdy Tip

First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.

Complaints

Relative to its size, Good2Go had far more than the expected number of complaints about auto insurance to state regulators, according to three years’ worth of data from the National Association of Insurance Commissioners.

More about Good2Go auto insurance

Website: The Good2Go website explains car insurance requirements for each state, including drunk driving penalties, SR-22 requirements, consequences of driving without car insurance, and laws about texting or using a cell phone while driving. The insurer's website also offers the option to log in to see policy information and make payments.

Good2Go doesn’t offer a mobile app for managing policies.

Methodology

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. 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 Good2Go’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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