Good2Go auto insurance review: A choice for high-risk drivers

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Editors’ take: Good2Go auto insurance has a complex business structure, and the claims process can be tricky to navigate. The company operates in most states, but premiums can be more expensive than comparable insurance companies. Good2Go could be an option for high-risk drivers with nowhere else to turn.

Good2Go auto insurance at a glance

Availability Available in all states except Alaska, Hawaii, Kansas, Massachusetts, Montana and Rhode Island
J.D. Power customer satisfaction ratings

Not listed

How to get an insurance quote Online or over the phone
How to submit a claim Over the phone

Pros

  • Insurance coverage for high-risk drivers
  • Range of available discounts

Cons

  • Limited standard coverage options
  • Less-than-stellar user experience
  • High number of customer complaints

What you need to know about Good2Go auto insurance

Good2Go Insurance offers auto insurance directly and through various partner companies. Through its partners, Good2Go is licensed to provide auto insurance in all U.S. states except Alaska, Hawaii, Kansas, Massachusetts, Montana and Rhode Island.

If Good2Go can’t directly serve your area, it may offer auto insurance policies through partners.

Good2Go specializes in auto insurance for high-risk drivers, which can often be expensive or difficult to obtain.

Insurance coverage for high-risk drivers

Good2Go provides high-risk auto insurance, also called nonstandard auto insurance. Drivers may be considered high-risk by their state if they have been charged with a DUI or DWI or have multiple traffic violations, a history of car accidents or poor credit history. The Good2Go website provides information about the minimum insurance requirements by state, penalties for drunken driving, SR-22 form requirements and consequences of driving without insurance.

Less-than-stellar user experience

You can get a quote online with Good2Go, after entering a substantial amount of information. You’ll have to enter details about your car, driving record, current insurance status and personal information before you can receive a quote.

If you get your auto insurance directly from Good2Go, you can file an insurance claim by calling its hotline number Monday through Friday, from 8 a.m. to 7:30 p.m. Eastern time. After the claim is reported, you’ll be contacted by a company representative for more information. This is more limited than many other insurers, which will accept claims via a mobile app, online or 24-hour hotline.

Auto coverage offered by Good2Go

Good2Go specializes in minimum limit auto insurance, which is the minimum insurance legally required by your state. It offers additional optional coverage, as well. Compared to larger insurance providers, the coverage available at Good2Go and its partners is limited. Here’s some of what Good2Go and its partners offer.

  • Liability only car insurance
  • Comprehensive insurance
  • Collision coverage
  • Uninsured and underinsured motorist coverage
  • Rental reimbursement coverage
  • Towing and labor reimbursement
  • Property damage liability coverage

Auto insurance discounts offered by Good2Go

Good2Go offers several standard auto insurance discounts, including discounts for students, drivers with good driving records, cars with enhanced safety features and perks for paying your bill in full. Good2Go claims policyholders can save anywhere from 3% to 40% off their premium with Good2Go’s insurance discounts.

Here are a few more examples of Good2Go’s discounts.

  • Homeownership discount
  • Multi-vehicle discount
  • Renewal discount
  • Defensive driving course discount
  • Prior insurance discount
  • Drivers’ education discount
  • LifeSaver safety app discount (this app can help to minimize distractions and encourage safe driving)

Common question: Does Good2Go offer full coverage?

The term “full coverage” can mean different things to different customers and insurers, and it isn’t a specific type of insurance you can purchase. Sometimes, people shopping for full coverage look for something more comprehensive than state-minimum coverages.

Good2Go offers some coverage options beyond the basics, including comprehensive and collision coverage, uninsured and underinsured motorist coverage, rental reimbursement coverage and towing and labor costs.

Common question: How do I pay my Good2Go bill?

Good2Go customers can pay their bill online via the company’s payment portal.

Not sure if Good2Go auto insurance is right for you? Consider these alternatives.

  • Geico: This insurance company offers a wide range of discounts.
  • Dairyland: This insurance company may be ideal if you’re looking for high-risk auto insurance with additional coverage options, like special equipment coverage.

About the author: Sarah Sidlow is a freelance writer and editor based near Detroit. She has a master’s degree in journalism from Georgetown University. Sarah’s work has appeared in Luxembourg’s national newspaper, Washington City Paper… Read more.