Good2Go Auto Insurance Review 2022

Jan 5, 2022

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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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Good2Go Auto Insurance
Good2Go
NAIC complaints
Far more than expected
Ease of use
Average
Discounts
Great set of discounts

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.

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, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy type; it's 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 type

What it pays for

Required?

Bodily injury and property damage liability

Costs for injuries, deaths or property damage from an accident you caused.

Typically required.

Uninsured or underinsured motorist coverage

Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all.

Often required.

Collision coverage

Repair expenses from traffic-related accidents, regardless of who's at fault.

A car loan or lease may require it.

Comprehensive coverage

Repair costs from events outside of 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.

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

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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.

  • Using the Good2Go Auto Insurance LifeSaver mobile app to block text messages while you’re driving.

Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine 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 make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll 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.

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.

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More about Good2Go auto 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.

Methodology

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.

Frequently asked questions