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Good2Go Auto Insurance review 2022

Updated Nov 15, 2022
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Good2Go insurance may be a good choice for high-risk drivers — those who have numerous accidents, tickets or a DUI conviction on their driving records — looking for cheap rates on minimum coverage policies. Good2Go policies are relatively basic, but for drivers who are struggling to qualify for coverage elsewhere, the carrier might be a good option. Keep in mind, coverage is only available in a handful of states. Bankrate’s Good2Go auto insurance review may help you decide if this specialized company is the right choice for your needs.

Pros

  • Provides coverage options for high-risk drivers
  • Other types of insurance are available through a partnered company

Cons

  • Coverage not available in Alaska, Hawaii, Kansas, Massachusetts, Montana or Rhode Island
  • Specializes in low minimum coverage limits
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Good2Go specializes in non-standard car insurance for high-risk drivers who may otherwise find it difficult to qualify for coverage from larger, national insurers. Good2Go sells coverage in most U.S. states, with a focus on providing policies that satisfy minimum coverage limits – although collision coverage and comprehensive coverage are available in some states. The carrier could be worth considering if you are a high-risk driver or are seeking cheaper car insurance that covers just the basics required in your state.

Good2Go car insurance 

Good2Go auto insurance might be a good choice for high-risk drivers who have had trouble finding or qualifying for coverage elsewhere. The carrier focuses on selling minimum coverage limits, but also offers comprehensive and collision for vehicles that are financed. Because laws about car insurance vary by state, the minimum limits and coverage types offered will be specific to your area. In general, Good2Go primarily offers basic liability coverage in the states it operates.

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Good2Go auto insurance policies are not available in the following states:

  • Alaska
  • Hawaii
  • Kansas
  • Massachusetts
  • Montana
  • Rhode Island

Good2Go doesn’t offer a mobile app, but the carrier does have a decent online customer portal. You can manage your policy, make payments, and start a claim process via the portal. Roadside assistance and towing is available 24/7 by calling the emergency service & dispatch or general customer service numbers listed on the site.

Good2Go car insurance discounts

Good2Go’s site lists several common auto insurance discounts. These savings opportunities, if offered in your state, could help you lower your car insurance costs. For high-risk drivers, who tend to pay relatively high rates, Good2Go’s discounts could be appreciated. There are 14 ways to save listed on the provider’s site, including Good2Go’s unique Cell Phone Safety Option, which uses the LifeSaver app to block incoming text messages while driving.

Good2Go car services

Good2Go does not appear to offer any services or auto-related products in addition to car insurance.

Other Good2Go perks worth considering

Good2Go itself only offers auto insurance, but the carrier does refer customers who want to gain access to more products to a third-party service called MyLifeProtected.

Through MyLifeProtected, you may be able to purchase the following types of coverage:

  • Homeowners insurance
  • Renters insurance
  • Pet insurance
  • Travel insurance
  • Legal insurance
  • Term life insurance
  • Home warranty

Because these insurance types are offered by a third-party partner and underwritten by several different companies, eligibility and availability will likely vary.

Good2Go corporate sustainability

Good2Go doesn’t seem to have a specific corporate sustainability program, but it does support several initiatives to encourage safety for its policyholders and others on the road. The company partners with the LifeSaver app, which blocks incoming texts while on the road, to help promote safe driving habits. Additionally, the company’s CEO Joe DeLago, has also challenged major automakers to innovate and create safer vehicles.

Not sure if Good2Go is right for you? Consider these alternatives

Car insurance is a personalized purchase; the best car insurance company for you will 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, these carriers may also be worth a quote:

  • The General: This carrier offers coverage in all 50 states and Washington, D.C., so it could be a good fit if Good2Go isn’t offered in your area.
  • SafeAuto: SafeAuto, which also specializes in coverage for high-risk drivers, offers a digital app, which may be particularly appealing if you want to manage your policy on the go.
  • Direct Auto: If you’re looking for an extensive discount list, Direct Auto offers 16 savings opportunities for its customers to save on insurance costs.

Methodology

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

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