Maggie is the managing editor for Bankrate insurance. In addition to overseeing the day-to-day operations of the insurance editorial team, she leads a team of licensed insurance experts who craft insurance content that makes complex information about home, auto, pet, renters and life insurance accessible and easy to understand.
Maggie is the managing editor for Bankrate insurance. In addition to overseeing the day-to-day operations of the insurance editorial team, she leads a team of licensed insurance experts who craft insurance content that makes complex information about home, auto, pet, renters and life insurance accessible and easy to understand.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict
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Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
At a glance
Bankrate's take
High-risk drivers who have infractions such as a DUI on their license may find it challenging to find affordable coverage. Good2Go Insurance could be one option for them to consider. The company specializes in basic coverage with few bells and whistles, but it does feature an extensive list of discounts that may help you save money. Keep in mind that Good2Go works with a handful of other carriers to underwrite its policies, so your coverage may actually be from a company other than Good2Go.
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
Drivers who have multiple infractions on their driving record, or those with a DUI, may be limited to high-risk coverage. Good2Go auto insurance is geared toward these drivers and offers simple policies that will meet your state's minimum requirements. Good2Go works with a few other insurers to offer policies to high-risk drivers, and the availability of optional coverage types such as collision and comprehensive will be determined by the company that actually underwrites your policy. Good2Go is unavailable in a few states, though, so if you live in Alaska, Hawaii, Kansas, Massachusetts, Montana or Rhode Island, the company is not an option.
Good2Go's coverage tends to be basic, with no extra frills or options. It does not, for example, have a mobile app to allow you to manage your policy online. You can, however, make payments and file claims through the company's website. You may also have access to roadside assistance and towing through your Good2Go policy.
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 underwrite auto insurance for Good2Go, Personal Service Insurance Co., has a relatively high complaint index with the NAIC, indicating that the company receives nearly two 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 three times the expected volume in 2022.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2020-01-01 00:00:00 to 2022-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 1.13 to 10.24.
End of interactive chart.
Good2Go car insurance cost
The national average cost of full coverage car insurance is around $2,692 per year, while minimum coverage averages $808 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.
Multi-vehicle discount: if you have more than one car in your family, you could save by insuring them all on a single policy with Good2Go.
Paid in full discount: If you can handle paying the full premium upfront at each renewal time, rather than making monthly payments, you could save 5-10 percent.
Renewal discount: If you've been a policyholder for a certain length of time, you may earn a discount.
Non-owner discount: This unusual discount might kick in if you rent or borrow a car owned by someone else.
Driver's education discount: South Carolina residents can earn this discount of up to 10 percent if their teen or young adult completes a driver education course.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Good2Go
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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 car insurance rates and coverage options with 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.
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.
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.
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.
It's worth noting, however, that Good2Go has an unusually robust list of discount opportunities, especially for a high-risk car insurance company. These may make it worth asking for a quote to see if you're able to score a good rate.
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 TrustPilot, an online discussion forum. The general consensus surrounding Good2Go car insurance is mixed. The majority of reviews (85 percent) were positive, however, and indicated that Good2Go makes it easy to manage your policy and file a claim.
TrustPilot User 1
Sep 26, 2024
Worst insurance company ever.
Worst website ever. I opened a policy with them and I have been trying to talk to with customer service and they never answer, I can’t even request for a ID Card, I just could print the temporary card and I never get the Original and they never do anything to help you. Don't do business with them. they have no decency, no etiquette, They hang up in your face. Transfer if you need help.
Anthony was so helpful and knowledgeable. He made sure I understood all the information and got me the best quote! Thanks again for making this experience a breeze.
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
The Good2Go website does not list any corporate sustainability initiatives. Because Good2Go works with other insurers to underwrite their policies, however, that may not be the case with whichever company underwrites your Good2Go policy. For example, underwriter Bristol West is part of the Farmers Insurance family. Farmers notes that in 2024, it gave away more than $5 million in charitable contributions in the 903 cities where it does business. Its employees gave more than 27,000 hours of volunteer service and 151 employee hardship fund grants were given out. One of Farmers’ main initiatives is making a difference in disaster preparedness, and 60 percent of its funding goes toward causes related to disaster resilience. Other underwriters may have corporate sustainability practices in place as well.
Good2Go Insurance, a subsidiary of American Independent Insurance Company, currently has several underwriting partners depending on your state and coverage options. These include:
To file a claim with Good2Go, the company suggests first checking which insurance company provides your car insurance coverage. If your policy is with Good2Go, you can call its hotline at 1-800-777-6664 between the hours of 8 AM and 7:30 PM EST, Monday to Friday, or 9AM to 5PM EST on Saturday. Spanish-speaking service is available from 9AM to 5:30PM EST, Monday to Friday. The claims office is closed on Sundays. If your policy is with a partner company, Good2Go provides contact numbers for those carriers on its website.
We strive to assign our proprietary Bankrate Score to every insurance company we review. A crucial part of our rating process includes analyzing average rates and customer service metrics from reputable third-party rating services. However, average rates are unavailable from Good2Go, and its use of multiple underwriting companies makes it more difficult to hone in on its policy quality. Thus, we were unable to include a Bankrate Score in our Good2Go insurance review.
Maggie is the managing editor for Bankrate insurance. In addition to overseeing the day-to-day operations of the insurance editorial team, she leads a team of licensed insurance experts who craft insurance content that makes complex information about home, auto, pet, renters and life insurance accessible and easy to understand.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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