Is Good2Go Auto Insurance Legit?

Last Updated on May 8, 2023

If you are like most people, you have not heard of Good2Go Auto Insurance. Even if you caught wind of this auto insurance provider, you probably do not know much about it. Good2Go Auto Insurance takes pride in providing customers with affordable auto insurance. This coverage is geared toward those who desire minimal coverage at an affordable rate. Let’s take a look at whether Good2Go is worth your business.

Key Takeaways:

  • Good2Go Auto Insurance aims to provide affordable auto insurance for drivers who want minimal coverage.
  • The company provides liability coverage at the cheapest possible rates but also offers comprehensive, collision, and liability coverage.
  • Good2Go’s customer service and claims filing process have received negative reviews and complaints, but the company has a solid A rating with the Better Business Bureau.
  • Good2Go’s coverage is limited to drivers in specific states, and the company offers a wide range of discounts and flexible payment plans.
  • Insurance Panda rates Good2Go 2.5/5

An Overview of Good2Go Auto Insurance

Good2Go Auto Insurance is different from “Good To Go Insurance.” The two companies are completely distinct from one another. Good2Go Auto Insurance claims to have been in business for nearly three decades. However, this company is a wing of a much older insurance business, Independent Insurance Investments, Inc. They also do business under the names: American Independent Insurance Company, Apollo Casualty Company, Bankers Independent Insurance Company, Omni Insurance Company, Omni Indemnity Company, and Personal Service Insurance Company.

Look at the Good2Go Auto Insurance website and marketing materials, and you will find the company aims to insure cars at the cheapest possible rate. This approach has its fair share of positives and negatives. Insuring automobiles at a rock-bottom rate means the company primarily provides liability coverage.

Liability coverage is the most affordable form of auto insurance protection. If you strike another driver’s car, your liability coverage will kick in to cover the cost of the damage inflicted on the other vehicle yet not cover the repair costs of your vehicle. However, Good2Go is also willing to provide auto insurance quotes for comprehensive, collision, and liability coverage. The question is whether you are interested in expansive auto insurance coverage and how much you are willing to pay.

Convenient Quotes

Good2Go allows customers to complete all auto insurance paperwork online. This convenient process ensures customers can be insured quicker than possible with a more conventional auto insurer. Good2Go’s quoting system is, in many ways, easier than most insurance companies’.

To get a quote from Good2Go car insurance, you have a few options:

  • You can visit their website and enter your ZIP code and basic personal information for a personalized rate.
  • You can call their agency at 855-646-4661, Monday-Saturday, 8 am-8 pm, and provide the same information over the phone.
  • You can also retrieve a previous quote from their website by entering your phone number or email address.

Getting a quote from Good2Go car insurance is fast and easy, and it does not obligate you to buy a policy.

Can Good2Go Insurance be Trusted?

In short, yes, but be wary. Good2Go has a solid ‘A’ rating with the Better Business Bureau (BBB). Good2Go was accredited by BBB in May of 2015, so a considerable amount of time has passed to give the company ample opportunity to prove its legitimacy. In fact, Good2Go is on par with GEICO, Nationwide, and State Farm in the context of BBB ratings. The aforementioned insurers received A+, A-, and A+ BBB ratings.

Unfortunately, Good2Go has also started to rack up BBB customer complaints over the years. Customers often complain about Good2Go’s customer service and claim filing process on the BBB website. According to the National Association of Insurance Commissioners, Good2Go has an extremely poor complaint index of 23.76. This means that the service they provide is so unsatisfactory that their customers are almost 24 times more likely to complain than those of an average insurer.

Another issue is that Good2Go isn’t rated by AM Best. This is because Good2Go isn’t big enough as a company to warrant a rating. Good2Go’s underwriting partners, however, have reviews from AM Best, and nine have troublesome C+ ratings.

Good2Go Insurance Customer Concerns

Take a close look at Good2Go’s profile on the BBB website, and you will find some negative reviews. A handful of customers have complained about the company’s customer service and practices. Keep digging, and you will find additional negative reviews posted to other online portals such as Yelp and Consumer Affairs. In particular, apart from customer service and claims filing complaints, customers have commonly complained of unanticipated rate hikes and fees. However, those who take the time to fully understand the entirety of their auto insurance plan before acquiring coverage are well aware of such fees and the potential for rate hikes.

Good2Go’s Limited Availability

Many drivers have not heard about Good2Go because the auto insurance provider’s coverage is limited to drivers in specific states. Those who reside in Kansas, Montana, Hawaii, Alaska, and Massachusetts cannot acquire Good2Go auto insurance as the company is not licensed to operate in these states.

Good2Go Discounts

Good2Go has more than its fair share of discounts. For example, discounts are available for those who pay in full, those who insure multiple vehicles through the company, those who have demonstrated academic merit, those who complete a defensive driving course, homeowners, and driver’s education participants.  There is even a discount for cell phone safety to boot. Drivers who install a device in their vehicle to block text messages will receive a 5% policy discount.  An anti-theft discount is also available to those who opt for comprehensive coverage.

Good2Go Discounts List
Multiple Vehicle DiscountsAnti-Theft Device DiscountsGood Student Discounts
Safe Driver DiscountsLow Mileage DiscountsSenior Citizen Discounts
Vehicle Safety DiscountsHomeowner DiscountsPolicy Bundling Discounts
Hybrid / Electric Vehicle DiscountsNewly Married DiscountsPaid In Full Discounts
AutoPay DiscountsAffinity DiscountsOrganization Discounts
Multi-Vehicle DiscountsDefensive Driving Course DiscountsCell Phone Safety Discounts

Good2Go’s Flexible Payment Plans

Hop on the web to check out Good2Go’s aggregation tool, and you will find three payment plans: annual, quarterly, and economy.  If you pay upfront for the yearly plan, you will receive the discount noted above. However, if desired, you can still pay with the economy plan by the month.  Select the option best for your unique budget, and you will likely be pleased with your Good2Go auto insurance coverage.

Good2Go’s Pros and Cons

To recap, let’s take a look at the pros and cons of Good2Go’s auto insurance:

Good2Go ProsGood2Go Cons
Wide range of insurance discounts available, such as paying in full, having a good driving record, being a homeowner, having multiple vehicles, or having a defensive driving course certificateMany complaints to state insurance regulators
Offers SR-22 insurance to drivers that need itConcerns about financial stability
Sells insurance to high-risk driversLots of poor customer reviews. It is not rated by A.M. Best or other rating agencies, which raises concerns about its ability to pay claims.
Convenient “all online” quoting systemHas negative customer reviews. It has more complaints than expected relative to its size according to the National Association of Insurance Commissioners (NAIC). Customers have reported issues with billing, claims, customer service, and cancellation.
Available in 44 states, which makes it more accessible than some other high-risk insurers.Not available in every state
Rideshare coverage not available
Limited range of policies and coverage types. It only offers liability, comprehensive, collision, personal injury protection (PIP), and uninsured/underinsured motorist coverage. It does not offer other coverages such as roadside assistance, rental car reimbursement, or gap insurance.

Our Rating of Good2Go

Good2Go Auto Insurance is a relatively unknown auto insurance provider that offers minimal coverage at an affordable rate. The company has been in business for nearly three decades, but its coverage is limited to specific states, and there are mixed reviews about its customer service and claims filing process. Good2Go offers a wide range of discounts and flexible payment plans to customers.

Financial Strength
Customer Satisfaction
Cost and Discounts


If you’re a high-risk driver or seeking to meet the minimum state car insurance requirements, it’s worth getting a quote from Good2Go. However, given the company’s history of poor financial strength ratings and negative customer reviews, it’s wise to consider other insurance options that may offer better terms and service.


Final Word – Good2Go Review

If you are looking for an insurance company with decades of great customer reviews and rock-solid financial stability, Good2Go might not be the best insurer to go with. In that case, you might be better off buying insurance from one of America’s larger, more established insurance companies. If you have had trouble getting coverage from some of the more well-known providers because of a bad driving record or low credit score, Good2Go is worthy of a look. Please visit Good2Go’s website, or call them up, to get a quote from Good2Go today.

Good2Go Contact Information
Address2018 Powers Ferry Rd SE STE 400
Atlanta, GA 30339
Customer Service Phone(888) 303-3430
Website URL
Website Contact URL
James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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