Good2Go Car Insurance Review & Ratings (2023)

Is Good2Go a Good Choice?

If you need a car insurance policy offering your state’s mandated liability coverage, Good2Go may be a great option for you. The company offers liability-only auto insurance policies to high-risk drivers who may find it difficult to purchase car insurance with another company.

Anyone who doesn’t have a bad driving record should consider other companies before buying car insurance with Good2Go. The company will offer higher rates automatically, so you could probably find a cheaper alternative for coverage with another company in your area.

Additionally, if you want add-on coverage options to customize your car insurance policy, you should choose another car insurance provider. Good2Go doesn’t provide roadside assistance, new car replacement, gap insurance, or other add-on coverage options to offer peace of mind behind the wheel.

Good2Go auto insurance reviews are not all good. Good2Go doesn’t have the best financial strength, and the company receives higher-than-average customer complaints concerning customer service and claims handling, according to the National Association of Insurance Commissioners.

While Good2Go offers competitive rates for certain high-risk drivers, it’s important to note the company is not known for offering the cheapest coverage in any area. So even if you have a bad driving record, you should consider quotes from other insurance companies. You may be surprised by some well-known companies and what those companies are willing to offer.

What is Good2Go car insurance? 

Good2Go is a car insurance company that provides minimum coverage policies to its customers. With Good2Go, you can get car insurance coverage if you have a bad driving record or poor credit. Rates with Good2Go are often competitive compared to other providers, but you can expect higher auto insurance rates if you’re a high-risk driver.

Good2Go only provides simple policies. If you’re looking for a robust auto insurance policy that includes add-ons to make your coverage unique, Good2Go isn’t the company for you. Still, many high-risk drivers only want a liability-only car insurance policy that meets their state’s minimum coverage requirements. In addition, some drivers may need SR-22 or FR-44 car insurance, and Good2Go can help with that as well. 

If you’re considering purchasing a Good2Go car insurance policy, you should shop online to find and compare car insurance quotes. Comparing Good2Go auto insurance quotes with other insurance companies will help you learn whether Good2Go is your best option.

What are the pros of a Good2Go car insurance policy?

If you purchase car insurance with Good2Go, you’ll receive several benefits. Some of the most popular benefits of doing business with Good2Go include the following:

• Coverage for high-risk drivers
• Options for online quotes
• Affordable rates
• Various discount options for policyholders
• Online quote processing

You may find it difficult to purchase car insurance with certain companies if you’re a high-risk driver. Many auto insurance companies don’t provide policies to non-standard drivers or provide insurance options that are too expensive. Good2Go specializes in offering auto insurance options to people with blemishes on their car insurance records, and this could be extremely helpful if you’ve been in accidents or have a DUI conviction.

Good2Go offers potential policyholders the option of getting quotes for car insurance online. Other companies may require high-risk drivers to speak with a company representative before getting a quote, but Good2Go will let you get a quote quickly and without the hassle of speaking with someone about your driving record.

Expect affordable car insurance rates with the Good2Go auto insurance company. While your rates may be higher than rates for people with a clean driving record, they’ll probably be much lower than with another car insurance company. Still, you should compare your Good2Go car insurance quote with other companies before deciding on your coverage.

On top of already affordable rates, Good2Go offers discount opportunities to its customers. For example, with certain discounts, you may save as much as 25% on your Good2Go auto insurance, making Good2Go an even better option considering your monthly or annual costs.

What are some cons of a Good2Go car insurance policy?

While there are several benefits to a Good2Go car insurance policy, there are also some downsides to coverage with the company. If you choose Good2Go, some of the disadvantages to your policy might include the following:

• Minimal add-on coverages
• Only sells auto insurance, since third parties underwrite its other insurance products
• Not available in every state
• Negative customer service ratings
• A significant number of customer complaints
• Poor ratings for financial strength
• Shared personal information

Good2Go doesn’t offer many options for car insurance outside of mandatory insurance. You’ll need to find another insurance company if you want roadside assistance, gap insurance, new car replacement, or other add-ons to help customize your coverage. Good2Go is interested in providing minimum coverage options to high-risk drivers who need insurance.

Good2Go is an affordable option for drivers, but the company doesn’t offer car insurance in every state. If you live in a state or area where Good2Go doesn’t operate, you won’t have the option to purchase coverage with the company. You can search online to learn more about the states and areas where Good2Go offers car insurance.

While Good2Go has competitive rates for car insurance, the company doesn’t have the best customer service ratings. Good2Go receives many complaints about how the company operates, how claims get paid out, and the fine print of certain coverage options.

Good2Go customers complain quite a bit about their experience with the company. For example, many Good2Go car insurance reviews say the company doesn’t offer a helpful customer service experience. In addition, customers mention that Good2Go insurance claims don’t get paid out promptly.

Unfortunately, Good2Go doesn’t have great financial strength ratings. The company also lacks a rating with A.M. Best, and other companies note that Good2Go isn’t well-established enough to offer full peace of mind when paying out auto insurance claims. A negative rating for financial strength may deter many potential customers from choosing Good2Go for their car insurance needs.

Lastly, Good2Go shares the personal information of its clients with other businesses. Therefore, if you want to maintain your privacy regarding your name, date of birth, and contact information, avoid providing it to Good2Go when you search for a quote or purchase a policy.

Who can buy Good2Go car insurance?

Anyone can purchase a Good2Go auto insurance policy. Still, the company was designed to offer coverage to people who need car insurance but have difficulty finding coverage because of their driving records. High-risk drivers often don’t have many car insurance options, but who qualifies as a high-risk driver?

How do I know if I’m a high-risk driver?

Most insurance companies agree on the things that make you a high-risk driver. If you’re concerned that you may be considered a high-risk driver, look at the list below to see if any of the items apply to you:

• New drivers or teen drivers
• Drivers who live in high-risk areas
• Drivers with no prior auto insurance 
• Drivers with multiple tickets, traffic violations, or auto accidents
• Drivers with DUIs or DWIs
• Drivers with poor credit
• Drivers who are 65 or older

If one or more of the descriptions above apply to you, car insurance companies may see you as more of a risk than other policyholders. When this happens, you may pay higher rates for coverage, or you may be unable to buy auto insurance at all.

Good2Go Rates

Your auto insurance rates with Good2Go may be cheaper than those with other companies if you’re a high-risk driver. However, Good2Go still charges higher rates than many companies regarding people with clean driving records. Compare the company’s rates to the national average and other well-known car insurance companies.

How much is Good2Go car insurance for teen drivers?

Teen drivers pay more for car insurance than most other demographics. As a result, teens who purchase Good2Go car insurance will pay well above the national average for coverage.

Car insurance with Good2Go costs around 35% more than the national average in most cases. In addition, Good2Go car insurance rates are higher than companies like Geico and State Farm.

How much is Good2Go car insurance for young adult drivers?

Young adults pay less for car insurance than teens if they have a clean driving record. While rates with Good2Go decrease when you enter your 20s, car insurance with the company is still higher than the national average.

Rates with Good2Go are 5%-7% higher than the national average for females and males, respectively. However, some companies charge around $1,000 less annually for auto insurance coverage. To find the best car insurance for 21-year-old drivers in your area, compare car insurance quotes from multiple insurance companies.

How much is Good2Go car insurance for adult drivers?

Once you’re over 25, you’re guaranteed cheaper coverage if you don’t have any infractions on your driving record.

Men and women pay around the same amount for car insurance with Good2Go once they reach 35. However, Good2Go charges more than double compared to some top names in car insurance like USAA and Geico.

Do senior drivers pay more for car insurance with Good2Go?

Once you hit 65, your auto insurance rates may increase. In addition, some companies charge more for senior drivers because of the increased risk of car accidents.

Good2Go charges around $600 more annually than companies like Geico, and rates with the company are often 6%-9% higher than the national average.

Is Good2Go car insurance expensive after a speeding ticket?

Most companies charge more if you have one or more speeding tickets on your driving record. With Good2Go, you’ll pay around $500 more than the national average.

Car insurance with Good2Go costs around $1,000 more than State Farm, USAA, and Geico. Still, the company may work well for someone with a poor driving record. 

How much is Good2Go car insurance after an accident?

Your car insurance rates will go up if you’re in an accident. Most insurance companies see you as more of a risk if you’ve been at fault in one or more accidents during your driving career.

You’ll pay 28% more than the national average if you purchase car insurance with Good2Go, and State Farm charges around $1,200 less annually for a minimum coverage policy.

How much is Good2Go car insurance if you have a DUI?

Insurance companies see a DUI conviction as a very serious infraction. Therefore, if you have a DUI on your driving record, you may find it difficult to purchase a car insurance policy in your state. 

Fortunately, Good2Go only charges around 2% more than the national average for car insurance if you have a DUI on your driving record. Still, the company charges just under $1,000 more than State Farm. Geico, Nationwide, Allstate, and AAA charge more for coverage if you have a DUI. Find out how long a DUI stays on your record here.

If I have bad credit, will I pay more for car insurance with Good2Go?

Believe it or not, many car insurance companies charge higher auto insurance rates if you have bad credit. Studies show a correlation between a low credit score and an increase in auto insurance claims. As a result, companies charge higher for car insurance for people with bad credit to mitigate the risk.

Good2Go charges around 7% more for car insurance than the national average. If you have bad credit, you’ll pay $1,100 more for car insurance with Good2Go than with Geico. Still, Allstate, AAA, and State Farm charge more for coverage than Good2Go.

How much is a liability-only policy with Good2Go?

Minimum car insurance coverage is the cheapest option you’ll find in your state. However, while Good2Go offers affordable liability-only policies for high-risk drivers, the company’s rates are still higher than those of other insurance companies.

You’ll pay around 22% more than the national average for a minimum coverage policy with Good2Go. Additionally, the company charges $700 more than Geico for a liability-only policy.

Can I get a full coverage policy with Good2Go?

Good2Go offers full coverage car insurance, though many of the company’s policyholders prefer purchasing a minimum coverage policy. 

Full coverage with Good2Go costs around 27% more than the national average. If you purchase full coverage with Good2Go, you’ll pay $800 more annually than with companies like Geico. 

Good2Go Discounts Available

If you purchase Good2Go car insurance, you may qualify for discounts with the company. Some of the most popular discounts with Good2Go include:

• Driver’s education. You can receive 10% off your car insurance by taking a driver’s education course. 
• Defensive driving. If you pass a state-certified course, you may save anywhere from 5% to 15% on your auto insurance. 
• Good driver. Save 10% to 35% on your auto insurance coverage with Good2Go if you have a clean driving record. 
• Student driver. Any student aged 16-24 with a B average may save up to 20% on their car insurance coverage. 
• Cell phone safety. If you’re willing to download a text-blocking app to help you avoid distracted driving, you can save 5% on your coverage.
• Non-owner. People who frequently borrow a car may save around 25% on their car insurance policy. 
• Homeowner. Owning a home, condo, or mobile home could help you save 8% on your car insurance. 
• Multi-vehicle. You could save more than 30% by insuring more than one vehicle with Good2Go. 
• Paid-in-full. You may save more than 30% on your car insurance if you pay your premium in full.
• Renewal. Renewing your car insurance with Good2Go could help you save 5% on your coverage. 
• Prior insurance. Prove you had insurance before switching to Good2Go, and you can save nearly 40% on your policy. 
• Safety features. Safety features like passive restraints and air bags in your vehicle may help you save 5% on your coverage. 
• Anti-theft system. An anti-theft device in your vehicle may help you save 5% on your car insurance premium.

If you qualify for a discount with Good2Go, speak with an agent or company representative to learn more about your options and how much you could save. Before you commit to an auto insurance policy with the company, get the final cost for coverage with your discounts included.

Good2Go Coverage Options

Good2Go offers minimum coverage options for car insurance, including:

• Property damage liability. Property damage liability pays for damage you cause to a person’s car or property in an accident. Property damage is a form of required coverage.
• Bodily injury liability. Bodily injury liability covers injuries you cause to one or more people in an accident. Bodily injury liability is a form of required coverage.
• Personal injury protection (PIP). PIP pays for medical bills and lost wages associated with a car accident. Some states require PIP coverage. 
• Medical Payments (MedPay). MedPay covers medical bills and visits to the doctor up to a certain amount. Like PIP, you’ll find several states that require MedPay coverage.
• Uninsured/underinsured motorist coverage. Uninsured/underinsured motorist coverage helps to pay for damage someone caused to your vehicle if they don’t have proper car insurance. Some states require this coverage.
• Collision car insurance. Collision insurance pays for damage to your vehicle if you’re at fault in an accident. You may have to carry collision insurance if you have a lease or loan on your vehicle. 
• Comprehensive car insurance. Comprehensive insurance pays for damage to your vehicle caused by something other than a car accident, like inclement weather or wild animals. You may have to carry this coverage if you have a lease or loan on your vehicle.

Different states require different amounts of liability coverage. For example, some states require PIP, MedPay, and uninsured/underinsured motorist coverage, while others don’t. You can check with your local department of motor vehicles to learn more about your car insurance requirements.

Good2Go doesn’t have rental car reimbursement, new car replacement, or other add-on coverage options you may be looking for. If you aren’t searching for minimum car insurance coverage for a high-risk driver, consider other car insurance companies before choosing Good2Go.

Does Good2Go offer other insurance products?

Good2Go only offers car insurance, but the company refers policyholders to MyLifeProtected if they want additional insurance products. Some of the products MyLifeProtected offers include:

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

Coverage for the insurance products above is available through different companies, so rates and availability will vary based on factors like age, location, and more.

Good2Go Car Insurance Review & Ratings: The Bottom Line

Good2Go offers affordable minimum coverage car insurance to high-risk drivers in the U.S. If you’re a high-risk driver searching for non-standard auto insurance, Good2Go may be a great fit. Rates with Good2Go are consistently higher than the national average, and many well-known insurance companies charge less for coverage.

Still, individuals searching for high-risk coverage may have difficulty finding a company that will sell them a policy. Good2Go is open to individuals with all types of driving records. So if you have blemishes on your driving record, Good2Go may be a great fit for you.

It’s important to find and compare car insurance quotes from multiple companies before deciding on coverage. Compare rates with Good2Go with rates from other well-known companies to learn whether the company offers the coverage you need at a price that works for you.