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Good2Go insurance review 2024
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At a glance
Bankrate's take
Good2Go insurance may be a good choice for high-risk drivers who have numerous accidents, tickets or a DUI conviction on their driving records and are looking for minimum coverage policies. The policies are relatively basic, though, and coverage is only available in a handful of states.
- SR-22 forms available
- Strong list of discounts
- Advertises itself as a cheap insurer
- Policies are underwritten by various companies, making it difficult to gauge customer service and financial strength ratings
- Only writes car insurance policies
Good2Go car insurance review
Finding affordable car insurance can be a challenge for high-risk drivers. Good2Go aims to help these drivers get covered by partnering with various insurance companies. When you shop for a Good2Go policy, be sure to confirm whether the coverage is coming directly from Good2Go or one of its partners. While Good2Go policies meet minimum state requirements, additional coverage options depend on which carrier is underwriting the policy. Good2Go auto insurance is not available in Alaska, Hawaii, Kansas, Massachusetts, Montana or Rhode Island.
One downside of Good2Go is the insurer does not offer a mobile app. However, you can manage your policy, make payments and file claims through its online portal. 24/7 roadside assistance and towing is available by calling Good2Go's emergency or customer service numbers.
Compared to other high-risk insurance companies, Good2Go provides numerous discount opportunities, including multi-car, safe driver and good student. Drivers can also get quotes online and set up SR-22 filings if required by their state after a high-risk incident such as a DUI conviction through Good2Go. Overall, the company aims to provide cheap high-risk auto insurance with more perks than typical nonstandard carriers.
Pros and cons of Good2Go car insurance
If you’re thinking about Good2Go car insurance, here’s a quick breakdown of our take on the company’s pros and cons that might help you compare Good2Go with other car insurance companies:
Pros
- Numerous discount opportunities available compared to other high-risk car insurance companies
- Online quoting available
- SR-22 filing available
Cons
- No financial strength ratings to indicate ongoing financial health of the company
- Receives significantly more complaints than industry average based on performance in National Association of Insurance Commissioners' (NAIC) Complaint Index
- Not available in all states
Good2Go customer satisfaction
Studying third-party customer satisfaction ratings about a car insurance company from a trusted organization like J.D. Power can provide insight about how much the insurer values customer experience. Unfortunately, Good2Go is not scored or ranked in any of J.D. Power’s current studies. The best way to determine what working with Good2Go is like may be by talking with family or friends who are policyholders.
Similarly, financial strength ratings from AM Best can help customers understand whether an insurance company is considered financially sound and has been able to previously meet its claims obligations; Good2Go is not rated by AM Best, so it's hard to say whether it regularly meets its financial obligations
Good2Go auto insurance customer complaints
The NAIC tracks the number of formal complaints filed against an insurance company. 1.00 is the industry average; if a company has a complaint index of 1.00, that means it received the expected amount of complaints for a company of its size. A lower complaint index indicates better customer satisfaction, while an index above 1.00 signals that customer service is an area for improvement.
Since Good2Go is underwritten by nine companies depending on which state you live in, it’s hard to get a handle on its overall complaint index.
One of the companies that underwrites auto insurance for Good2Go, Personal Service Insurance Co., has a relatively high complaint index with the NAIC of 2.98 for 2022, indicating that the company receives nearly three times the amount of complaints expected for a company of its size. Its historical complaint index doesn’t help to improve this, with complaints nearing 10 times the expected volume in 2020.
Good2Go car insurance cost
The national average cost of full coverage car insurance is around $2,314 per year, while minimum coverage averages $644 annually. While we don’t have average rate data for Good2Go, the national average may give you a baseline as you start your search for car insurance. With Good2Go, your rates may also differ depending on whether it insures you directly or partners with another company to underwrite your policy. Since car insurance prices vary by driver based on multiple factors like your age (in most states), driving record, claims history and location, reaching out for a quote is the ideal first step to learn if Good2Go has competitively priced options for your situation compared to alternatives.
Good2Go car insurance discounts
Good2Go’s site lists several common auto insurance discounts. Any of these savings opportunities you are eligible for, if offered in your state, may help you lower your car insurance premium. As high-risk drivers tend to pay relatively high rates, Good2Go’s discounts could be especially valuable. There are 13 ways to save listed on the provider’s site, which is especially impressive for a high-risk insurer. However, potential policyholders should be aware that exact discount offerings may vary based on whether a partner company is writing your policy. Some of the discounts offered by the company include:
- Good driver discount: You might save with Good2Go if you have avoided accidents and traffic violations within a certain amount of time.
- Prior insurance discount: Showing proof that you have had car insurance for the past six months with no lapses might get you a lower rate with Good2Go.
- Good student discount: If you have a child on your policy who goes to school full time and has at least a B grade average, you might qualify for a discount.
- Homeownership discount: You might save with Good2Go if you own a house, condo or mobile home.
Compare Good2Go with other insurers
Car insurance is a personalized purchase. The best car insurance company for you will likely vary based on your wants and needs. Even high-risk drivers usually have more than one option for coverage, depending on which state they live in.
If you aren’t sure if Good2Go is the right fit for you, you might consider exploring these other carriers.
Good2Go vs. The General
The General is another company that may work for high-risk drivers. Good2Go is not available in all states, but The General offers coverage in all 50 states and Washington, D.C., so it could be a good option if Good2Go isn’t offered in your area.
Learn more: The General Insurance review
Good2Go vs. Progressive
Progressive took home the 2024 Bankate Award for Best Auto Insurance Company for High-Risk Drivers for its competitive prices, 24/7 claims and customer service and highly rated digital tools. Progressive is available in all 50 states, plus, it also offers home and life insurance, which can be appealing for those looking to bundle. That said, Progressive relies on other companies to underwrite its home and life policies, which could complicate the claims process.
Learn more: Progressive Insurance review
Good2Go vs. Direct Auto
Car insurance for high-risk drivers is typically more expensive compared to drivers with a clean driving record. If you’re looking for an extensive discount list similar to Good2Go’s, Direct Auto offers numerous savings opportunities for its customers to save on insurance costs.
Learn more: Direct Auto Insurance review
Is Good2Go a good insurance company?
For high-risk drivers seeking budget-friendly coverage, Good2Go is one option to explore. However, it's important to note that with Good2Go, minimum liability limits may be the only coverage available depending on your state and which insurance company ultimately underwrites your policy. Good2Go also offers limited ways to customize your policy beyond state minimums, so if full coverage and customization is your priority, you may want to look elsewhere.
Its reduced customer service hours could also make filing a claim difficult if an accident occurs outside regular business times. If obtaining a car insurance quote through Good2Go, be sure to double check if Good2Go or a partner carrier is providing coverage so you know who to contact for any questions or claims issues.
What are real-life customers saying about Good2Go?
Third-party insurance ratings are helpful, but can only get you so far. To get a more accurate sense of Good2Go’s customer service, Bankrate looked at real-world reviews from Reddit, an online discussion forum. The general consensus surrounding Good2Go car insurance isn’t great. Multiple Good2Go customers mentioned switching to help save money, but felt disappointed when it came time to file a claim.
Good2Go company details
- Customer service: Varies depending on your insurance carrier, but Good2Go’s general hotline is 1-877-200-9912
- Claims: 1-800-777-6664
- Claims mailing address: Good2Go Auto Insurance PO Box 1890, Blue Bell, PA 19422-0479
State availability
Good2Go car insurance is available in all states except AK, HI, KS, MA, MT and RI
Good2Go tools and benefits
Since Good2Go is aimed at providing cheap car insurance to high-risk drivers, its operations are pretty bare-bones and there are no other services or products listed on its website. If you want to learn more about any additional services offered by the company, you may want to contact it directly.
Frequently asked questions about Good2Go
Methodology
Bankrate utilizes Quadrant Information Services to analyze the latest rates in April 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas.
Auto
Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.
