Good2Go Insurance specializes in minimum-coverage car insurance for high-risk drivers. While motorists with even the spottiest driving records can receive Good2Go auto insurance coverage, the company’s downsides may outweigh its relatively affordable rates.

In this review, we’ll take a close look at everything you need to know about Good2Go auto insurance, including coverage options, average costs, and the company’s customer service reputation. Our team has reviewed the best car insurance companies on the market, and we recommend customers get free car insurance quotes from multiple industry leaders to find the best fit.

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In This Review:

    Good2Go Auto Insurance Cost And Discounts

    Because Good2Go Insurance focuses on providing coverage to high-risk drivers, these motorists can expect reasonable rates when getting car insurance quotes from the insurer. However, those with DUIs or major accidents on their records will continue to face above-average rates overall when compared to drivers with clean records.

    No matter which insurance company you choose, certain factors determine how much car insurance is. Expect the following to strongly impact your insurance rates:

    • Location: Car insurance premiums change depending on each state’s minimum coverage requirements, car break-in rates, and number of uninsured drivers. Those who live in the city will generally pay higher rates than rural residents as well.
    • Age and gender: Young men face above-average car insurance costs, though prices start to decrease around the age of 25.
    • Marital status: Married motorists tend to get into fewer accidents than singles, so their auto insurance premiums are generally lower.
    • Credit score: The lower your credit score, the higher your automobile insurance rate.
    • Driving history: Those with a history of car accidents and DUIs can expect far higher insurance premiums than the norm. Though Good2Go auto insurance is a more affordable option for high-risk drivers, prices will still be significantly higher than average.
    • Vehicle type: New cars, models that often get broken into, and unsafe vehicles will be charged above-average prices.

    Good2Go Auto Insurance Discounts

    Those who purchase Good2Go auto insurance have several opportunities to save money. Check out the following savings before picking your auto insurance policy:

    Good Driver Discount

    Rewards safe driving without accidents, violations, or claims

    Student Driver Discount

    Provides lower rates for students with strong academic performance

    Homeownership Discount

    Benefits drivers who are also homeowners

    Multi-Vehicle Discount

    Saves money on plans with more than one car

    Paid-in-Full Discount

    Lowers rates for those who pay for their entire policies up front

    Renewal Discount

    Rewards drivers who remain customers consistently over time

    Defensive Driving Course Discount

    Decreases prices for those who pass a defensive driving course

    Airbag and Passive Restraint Discount

    Helps out those whose cars have airbags and additional safety features

    Anti-Theft System and VIN Etching Discount

    Rewards drivers for features that deter car thieves

    Prior Insurance Discount

    Cuts prices for those who can show at least half a year with proof of insurance

    Non-Owner Discount

    Benefits those who insure a car they commonly drive but don’t own

    Driver’s Education Discount

    Lowers premiums for young motorists who take a driver’s education course

    Cell Phone Safety Option Discount

    Saves drivers money when they download an app that blocks texting while driving

    Average rates from Good2Go Insurance are already quite competitive for high-risk drivers, and these potential savings can further lower your insurance premium.

    Good2Go Auto Insurance Coverage

    Good2Go auto insurance tends to take a fairly bare-bones approach to its coverage options. It is tailored more toward states’ minimum limits for coverage, so another provider may be a better choice if you’re looking for a wide range of choices.

    Liability

    Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.

    Collision

    Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or if you flip your vehicle.

    Comprehensive

    Comprehensive coverage insurance pays for damages to your vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.

    Medical Payments

    Medical payments (MedPay) covers medical bills for you and your passengers after an accident.

    Personal Injury Protection

    Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for other expenses, such as lost wages.

    Uninsured/Underinsured Motorist

    Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

    Roadside Assistance

    Roadside assistance ensures you’ll get help if your car breaks down mid-trip.

    Towing Coverage

    Towing coverage takes care of the costs of having your car towed after a breakdown.

    Rental Car Reimbursement

    Rental car reimbursement pays for your transportation needs while your car is in the shop for repairs.

    It’s important to note that not all coverage options and add-ons are available in all states, so check what options are available in your state when you get a quote.

    It’s also worth keeping in mind that Good2Go Insurance pulled its financial strength rating off AM Best in 2017, which makes it difficult to tell how capable the auto insurance company is of covering drivers’ needs.

    Good2Go Auto Insurance Mobile App

    Good2Go Insurance has not developed an app for its customers. The best car insurance companies have created platforms that allow users to get free quotes, view their accounts, pay premiums, and file claims directly through their phones. However, all of these tasks can be done on Good2Go’s website.

    Good2Go Auto Insurance Reviews

    Better Business Bureau (BBB) rating: A+
    BBB complaints in last three years: 6

    While Good2Go Insurance received an A+ rating from the BBB, it received a low score of 1.13 out of 5 stars from the few customer reviews on the site. Good2Go auto insurance reviews are mostly negative, with complaints about the company’s unresponsive representatives and denial of coverage. However, it’s important to note that there are currently fewer than 10 complaints on Good2Go’s BBB page, which represent a very small number of Good2Go’s policyholders.

    We included a couple of customer complaints about Good2Go car insurance below.

    “I was in an accident with someone who hit me on the highway and had Good2Go as their insurance company. Good2Go refused to take care of repairing my car due to their person hitting me. Beware of this company.”
    – Keith via BBB

    “Unable to contact this company to add a vehicle, cancel a policy, or shut off autopay. Got robbed of roughly $300. Worst insurance company in the world.”
    – Zachary G. via BBB

    Good2Go Auto Insurance Rating: 3.0 Out Of 5.0

    We give Good2Go auto insurance a score of 3.0 out of 5.0 overall due to the company’s negative customer reviews, uncertain financial status, and limited coverage options. While it may be worth considering for high-risk drivers, others are likely to find better coverage with a more highly rated company.

    Cost

    4.0

    Coverage

    3.0

    Reliability

    2.0

    Service

    2.0

    Overall Rating

    2.0

    About Good2Go Insurance

    Founded: 1992
    States available: All states except Alaska, Hawaii, Kansas, Massachusetts, Montana, and Rhode Island
    Insurance types: Auto

    For nearly 30 years, Good2Go Insurance has been providing high-risk motorists with some of the cheapest car insurance. The Blue Bell, Pennsylvania-based company specializes in basic auto insurance policies designed to meet state requirements, and it is known for offering coverage to drivers who may have a difficult time finding policies elsewhere.

    Other Recommendations For Car Insurance

    There are several car insurance providers that offer high-risk drivers stable plans for similar rates to Good2Go auto insurance. Below, we’ll highlight two options that offer strong coverage and customer service.

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    State Farm: Best For Student Drivers

    Because of their age and relative inexperience on the road, students are labeled as high-risk drivers. Luckily, State Farm offers comparatively competitive rates and extensive coverage to those just starting out on the road.

    In our State Farm insurance review, we found that it offers a number of discounts to student drivers. Among others, State Farm has the following savings opportunities:

    • Accident-free discount
    • Defensive driving course discount
    • Good student discount
    • Good driving discount
    • Driver training discount
    • Student away at school discount

    State Farm’s A++ financial health rating from AM Best is equally attractive, showing that the provider can easily cover potential claims. With excellent coverage and relatively cheap car insurance, State Farm could benefit both student drivers and experienced motorists.

    Progressive: Best Usage-Based Insurance

    Similar to Good2Go Insurance, Progressive is a good auto insurance option for high-risk drivers. Progressive’s financial strength, commitment to its customers, and timely claims process help to simplify insurance coverage for policyholders.

    While Progressive’s rates aren’t generally as low as some of its competitors, the company offers affordable premiums and opportunities to save, such as the Snapshot usage-based insurance program. Progressive policyholders can download the Snapshot app to track their driving habits and get rewarded for safe driving practices. In our Progressive insurance review, we named Progressive the Best Usage-Based Insurance.

    Frequently Asked Questions: Good2Go Auto Insurance

    • How do I pay Good2Go Insurance?

      The best way to pay your Good2Go auto insurance bill is by logging in to your account on the company’s website. By inputting your policy number and ZIP code, you can make payments or file claims online.

    • Does Good2Go Insurance offer full coverage?

      Good2Go Insurance offers liability insurance, comprehensive and collision plans, uninsured/underinsured motorist coverage, and MedPay or PIP, depending on the state. You can get basic coverage to meet state requirements or full coverage.

    • Does Good2Go Insurance have an app?

      No, there is no Good2Go auto insurance app. Most functions can be performed on the company’s mobile-friendly website, though.

    How We Rate Insurers

    Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

    • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
    • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
    • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
    • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

    *Data accurate at time of publication.