Good2Go Auto Insurance Review: Ratings and Quotes (2024)
Good2Go Auto Insurance Review: Ratings and Quotes (2024)
Good2Go partners with car insurance companies to sell basic-coverage policies. It’s best for difficult-to-insure drivers.
Good2Go offers state-minimum liability car insurance to high-risk drivers who might have trouble buying an auto policy from another company. It operates as a car insurance company that sells coverage directly and a broker that sells policies for other top car insurance companies.
Good2Go advertises low down payments for minimum liability insurance and has limited customizable coverage options, so it’s best for drivers who need basic coverage. While it has solid ratings with Trustpilot, some customer reviews report issues with long wait times when filing claims.
Here’s what you need to know about Good2Go car insurance and its products to decide if it’s right for you.
Good2Go partners with top car insurance companies like Bristol West, Dairyland, Infinity, and Progressive to offer high-risk liability auto insurance that meets state requirements.
It offers various discounts, like a prior insurance discount, good student discount, and multi-vehicle discount.
Good2Go isn’t available in Alaska, Hawaii, Kansas, Massachusetts, Montana, or Rhode Island.
How does Good2Go auto insurance work?
Good2Go
Good2Go is a car insurance marketplace for high-risk drivers. It advertises help in finding affordable liability coverage through Good2Go Direct or one of the car insurers it partners with: Bristol West, Dairyland, Infinity, and Progressive.
You can request a quote online or by phone by providing your ZIP code and other personal information about your vehicle and driving history.
Average cost of Good2Go auto insurance
Insurify uses proprietary data to analyze and compile auto insurance quotes and calculate average car insurance costs to help drivers shop for insurance. Good2Go’s average car insurance costs aren’t available at this time, but understanding what affects your premiums and how to shop for car insurance may help you decide whether Good2Go is the right insurance agency for you.
The following table shows average national liability rates for high-risk drivers from top Good2Go partners. Your rates through Good2Go may be different.
Insurance Company ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|
| Progressive | $90 |
| Dairyland | $98 |
| Bristol West | $141 |
| Infinity | $214 |
Good2Go customer reviews
On Trustpilot, Good2Go had a large number of mostly positive reviews, with customers citing kind and attentive customer service.
The Better Business Bureau had significantly fewer reviews, and most of them were negative. Common complaints included difficulty using the website, lack of communication, and having to call to make policy changes.
Good2Go ratings
Independent third parties — like AM Best, J.D. Power, S&P, and the National Association of Insurance Commissioners (NAIC) — rate insurance companies for their financial stability and complaint volume.
Since Good2Go mainly sells policies for other underwriters like Dairyland and Progressive, it doesn’t have any third-party ratings from these organizations.
Good2Go car insurance coverage options
Good2Go’s bread and butter is non-standard car insurance, also called high-risk car insurance. This is liability car insurance for high-risk drivers who must meet minimum state requirements but may have difficulty getting coverage elsewhere.
Here are some of the additional coverage options you may purchase through Good2Go:
Comprehensive coverage
Comprehensive insurance pays for vehicle repairs after non-collision incidents like falling objects damaging your car, fire, theft, vandalism, severe weather, and more.
Collision coverage
Collision insurance covers damages to your vehicle after you hit a stationary object, like a tree or light pole, or another car, even if you’re at fault. It also covers rollover accidents and damage from hitting a pothole.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for your damages and injuries when someone without insurance or with insufficient coverage causes an accident. It also covers losses from hit-and-run accidents.
Rental reimbursement coverage
Rental car reimbursement coverage pays the cost of a rental car while your vehicle is in the shop for repairs after a covered claim.
Towing and labor coverage
Towing and labor coverage helps pay for roadside assistance and towing if your car breaks down on the side of the road.
SR-22 coverage
SR-22 insurance: If you've been convicted of a serious motor vehicle violation, like driving under the influence, your state may requires you to file an SR-22 insurance form. In Florida and Virginia, you may also have to file an FR-44 form. Good2Go can send the documents to your state after you purchase a policy.
Good2Go car insurance discounts
Discounts can help you get cheaper car insurance rates, and Good2Go offers a long list of them for having a good driving record, earning good grades, installing an anti-theft system, and more. Keep in mind that the state you live in and the coverages you choose can affect which discounts you qualify for.
Discount ▲▼ | % Discount ▲▼ |
|---|---|
| Prior insurance discount | Up to 40% |
| Good student discount | 10% to 35% |
| Student driver discount | 5% to 20% |
| Homeowner discount | 5% to 10% |
| Defensive driving discount | 5% to 15% |
| Multi-vehicle discount | 10% to 25% |
| Anti-theft and VIN etching discount | Up to 5% |
| Airbag and passive restraint discount | Up to 5% |
| Non-owner discount | Up to 25% |
| Driver’s education discount | Up to 10% |
| Renewal discount | 3% to 5% |
Good2Go vs. other insurance companies
The car insurance market is highly competitive, meaning many car insurance companies offer a variety of insurance products and financial products. This means you can shop around and find several options that meet your budget and coverage level needs.
Insurance Company ▲▼ | Available States ▲▼ | Discounts ▲▼ | Trustpilot ▲▼ |
|---|---|---|---|
| Good2Go | 44 states and Washington, D.C. | 13 discounts advertised | 4.5 |
| Sun Coast | 11 states | 5 discounts advertised | N/A |
Good2Go vs. Sun Coast
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Sun Coast is a wholesale insurance agency that started in 1980. It's an authorized program administrator for several insurance companies and partners with thousands of independent agents to offer car insurance policies from regional car insurance companies like PrimeOne and Unique. According to its website, Sun Coast can help drivers find policies with various coverages, such as liability protection, uninsured motorist coverage, medical payments coverage, and roadside assistance.
Sun Coast has limited information online, and its website is quite vague. Good2Go, which also acts as a car insurance broker like Sun Coast, has more reviews and ratings online. It also partners with national insurers like Progressive and Dairyland, which may give you greater peace of mind.
However, if you reach out to Sun Coast and can secure cheap auto insurance and the lowest rates, it may be worthwhile. You can get a quote for cheap car insurance online or speak to an independent agent for more information.
How to file an auto insurance claim with Good2Go
To file a car insurance claim with Good2Go, follow these steps:
Make sure you know which car insurance company manages your policy, whether it’s Good2Go or one of its partners.
If it’s Good2Go, you can call the customer service phone number at 1 (800) 777-6664 to speak to a representative so you can start the claims process and connect with an adjuster.
If your policy is with one of Good2Go’s partners, you must contact that company directly to file an auto claim. The Good2Go website has contact information for each company it partners with on its contact page to help. Depending on your insurer, you may be able to enter your personal information and file a claim through a text message or mobile app.
Good2Go auto insurance FAQs
Learn how to get cheap car insurance for your needs, and check out the answers to questions about Good2Go insurance reviews below.
Is Good2Go legitimate?
Yes. Good2Go is a legitimate company. It’s currently licensed to sell auto insurance in 44 states and Washington, D.C. Coverage isn't available in Alaska, Kansas, Hawaii, Massachusetts, Montana, and Rhode Island.
Is Good2Go good at paying claims?
Good2Go doesn’t have an AM Best rating, but it partners with other insurance companies that have strong financial strength ratings. It also has generally positive reviews on Trustpilot, but some one-star ratings from customers mostly point to long hold times and waits during the claims process.
Does Good2Go have full coverage?
Yes. Good2Go offers full-coverage car insurance. This usually includes liability, comprehensive, collision, and uninsured/underinsured motorist coverages.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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