GOOD2GO CAR INSURANCE: 2023 Review Rates, Coverage, Pros & Cons

Good2Go Car Insurance Pricing and Customer Service
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If you have a history of traffic tickets, accidents, or DUIs and want to find cheap pricing for minimum coverage, Good2Go car insurance might be a good choice. But the policies are not very robust, and they only cover a small number of states. Complaints from Good2Go users reveal problems with poor customer service, claims handling, communication, and insurance protection

Good 2 Go Car Insurance 

Since high-risk drivers may have a hard time locating reasonably priced auto insurance, Good2Go is dedicated to helping them connect with multiple insurance providers. When looking for a Good2Go auto insurance policy, it is important to know if your coverage will come from Good2Go directly or from one of its partner insurers.

All-risk drivers and those only needing the bare minimum in their state’s insurance market can find what they are looking for in Good2Go Insurance. Although Good2Go auto insurance can be a good choice for some drivers, they may not have as many options as other major insurers.

Good2Go’s main line of business is selling liability insurance to high-risk drivers, but the company also provides comprehensive and collision insurance as add-ons. Car insurance is a form of financial protection that helps pay for the cost of fixing or replacing a vehicle in the event of an accident or theft, regardless of fault.

Pros of Good2Go Insurance

  • Focused on protecting high-risk motorists
  • Present in 44 of the 50 states
  • Discounts available

Cons of Good2Go Insurance

  • Few insurance plans and coverage options
  • Bad financial situation
  • Bad customer reviews on BBB
  • Gap insurance, collision coverage, deductible increases, new car replacements, rental car reimbursement, accident forgiveness, and other similar features are not included.
  • Does not offer coverage in every state 

Good2Go Insurance Company: Overview

Good2Go Insurance is a car insurance provider that focuses on the minimum coverage and high-risk driver markets. It was started when the following underwriters merged to form American Independent Companies, Inc. 

  • American Independent Insurance Company
  • Apollo Casualty Company
  • Bankers Independent Insurance Company
  • Omni Insurance Company
  • Omni Indemnity Company
  • Personal Service Insurance Company

Good2Go Insurance serves high-risk drivers nationwide, except in Alaska, Hawaii, Kansas, Massachusetts, Montana, and Rhode Island. If the company is unable to insure your vehicle, you will be referred to one of its insurance partners.

Good2Go Car Insurance Coverage

As with other insurance companies, Good2Go offers the usual assortment of policies, including liability, comprehensive, and collision protection. Good2Go, however, does not provide a lot of optional coverage. Roadside assistance, gap insurance, rental car reimbursement, accident forgiveness, and deductible adjustments are not offered as optional coverages by this provider. Neither does it provide very many special types of protection.

Good2Go car insurance caters to customers who would have a difficult time obtaining insurance elsewhere by offering them high-risk and liability-only auto policies.

High-Risk Car Insurance Coverage Good2Go

Good2Go covers drivers that insurance companies think are at high risk. High-risk drivers are more expensive for insurance companies to cover, so this alternative usually comes at a higher price than the standard policy.

Insurance companies may assign a higher risk rating to drivers who fall into the following categories:

  • Newly licensed
  • Teens
  • People who drive and live in dangerous areas
  • Drivers who have never had auto insurance before
  • Drivers who have been in several accidents and traffic violations
  • Drivers who have a DUI
  • Drivers with a bad credit history
  • Drivers over the age of 70 

Among Good2Go’s special offers, the cell phone safety discount stands out as one aimed squarely at high-risk drivers. Insurance policyholders who install the LifeSaver app on their mobile devices are eligible for the discount. The app suggests users put away their devices while behind the wheel.

Good2Go Liability Coverage

Good2Go also provides what is known as minimum coverage, which consists of liability insurance only. To comply with state law, you must have at least this minimum amount of liability insurance for bodily injury and property damage. Bodily injury liability coverage minimums vary from state to state but typically fall between $10,000 and $100,000 per injured party and between $5,000 and $50,000 in total damages per accident. Remember that liability insurance only protects the other driver in an accident where you are at fault, not your vehicle or your medical bills. As extra protection, many drivers choose to buy collision insurance, comprehensive insurance, and medical coverage.

Additionally, some states might make you buy extra insurance like uninsured motorist coverage, medical payments (MedPay), or personal injury protection (PIP).

Discounts Offered by Good2Go

Good2Go may be more affordable after applying discounts. Popular discounts include those for safe drivers, good students, multi-vehicle policies, full payment, and installation of anti-theft devices and airbags. There is no discount for multiple policies or for making use of electronic records, though.

As each underwriter decides which discounts to offer their policyholders, Good2Go cannot guarantee uniform discounts. However, unlike many insurance providers, Good2Go frequently offers discounts like loyalty and homeownership discounts.

Good2Go Insurance Quotes

Good2Go Insurance provides online auto insurance quotes to drivers. If they are unable to assist you, the company will share your information with other insurance providers. The final cost of your insurance may be difficult to estimate in such a case. There are several factors that could affect how much your Good2Go auto insurance policy will cost, including:

  • Age, gender, and marital status
  • Location
  • Credit score
  • History of Driving

Not only will your driving record play a large role in determining your premium, but so will the specific insurance company you end up with. You might get a good rate from Good2Go if they pair you with State Farm, which typically has lower premiums, but you might end up paying a lot if they pair you with The General, which typically has much higher premiums, even if you are a safe driver.

Good2go Customer Service

Good2Go Insurance does not have much of a web presence. On the Better Business Bureau’s website, customers have rated the insurance provider at 1.4 stars out of 5. Complaints from customers reveal problems with claims handling, communication, and insurance protection.

Because it is so small, Good2Go does not show up in review rankings made by companies like J.D. Power or AM Best. However, this does not imply that Good2Go is out of reach for customers seeking minimum-limit coverage.

Customers who have used the insurance have given the company an average BBB rating of just one star. The bad reviews of Good2Go car insurance talk about problems with bad customer service, not being able to communicate, having trouble filing claims, and not being able to get paperwork.

Good2Go Contact Information

You can reach Good2Go’s helpful customer service staff at (877) 200-9912 if you have any questions or concerns. also features a “contact” page where you can get in touch with the company directly.

What is Good2Go Insurance?

Good2Go Insurance is a car insurance provider that focuses on high-risk drivers and those who need only the bare minimum of coverage. those whose driving records show a history of collisions, tickets, or DUI convictions…

How Much Is Good2Go Car Insurance?

The price you pay for auto insurance through Good2Go will change depending on several factors, including your age, marital status, location, credit score, and driving record. 

Is Good2Go Auto Insurance Legit? 

Good2Go car insurance has received some of the most negative feedback from customers and ratings for its financial strength out of all the auto insurance companies operating in the United States. Given the aforementioned, high-risk drivers who need a low initial payment and the bare minimum of coverage in a short amount of time might discover that Good2Go meets their needs, especially if other auto insurance companies have rejected them for coverage.

Does Good2Go Offer Full Coverage?

However, it is important to note that Good2Go Auto Insurance does offer optional coverages like collision and comprehensive in addition to its standard liability coverage. The rates we provide for full coverage reflect a policy that includes not only liability but also comprehensive and collision protection. Good2Go Insurance provides high-risk drivers with liability coverage and various plans.

Why Is Online Car Insurance So Cheap?

Due to the absence of agent fees and markups, purchasing auto insurance over the Internet typically results in cost savings. On the other hand, a broker can help you navigate the process of making the purchase and choose the right coverage for your needs.

Who Underwrites Good2Go Insurance? 

Good2Go Auto, which was formerly known as American Independent Companies, Inc., came into existence as a result of the consolidation of the following underwriters under one brand name:

  • American Independent Insurance Company
  • Apollo Casualty Company
  • Bankers Independent Insurance Company
  • Omni Insurance Company
  • Omni Indemnity Company
  • Personal Service Insurance Company

What is Zero Insurance?

When you purchase car insurance with “zero dep cover” as an add-on, it means that during the claim settlement, we will not charge you for any depreciation that may have occurred. Expenses related to the item’s depreciation will not be your responsibility if you file a claim. 

Optional coverage, known as “zero dep,” means that the insurance provider will not assess a loss for the vehicle’s depreciation. 

How Do I Claim with Good2Go? 

The phone number to call Good2Go is 877-200-9912. Claim filing is not available around the clock or online with Good2Go. Monday through Friday, between the hours of 8 a.m. and 7:30 p.m. ET, is when claim calls must be placed with Good2Go.

What Is Full vs. Basic Coverage?

You are better off with full coverage than with just basic coverage. Physical damage coverage, like collision and comprehensive, is typically included in a full-coverage auto insurance policy in addition to the mandatory liability coverage. Liability insurance, on the other hand, is a blanket policy that pays for everyone else’s medical bills and property damage if you cause an accident. 


Though Good2Go offers insurance policies, high-risk drivers may want to look elsewhere due to the company’s confusing business model and high volume of customer complaints. It is an alternative for high-risk motorists, but there are others. We advise you to seek out alternative service providers if you require broader coverage or higher-quality customer support.

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