Is Omni Good for Auto Insurance?

Last Updated on October 16, 2026

By James Shaffer · Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 16, 2026 · How we fact-check

You cannot buy an Omni auto insurance policy anymore. Omni Insurance Company handed back its insurance licenses: Arizona accepted the surrender of its certificate of authority on November 15, 2023, and Missouri’s record reads “Effective 11/12/2024 the above company’s status became Inactive following withdrawal of its Certificate of Authority.” Good2Go, the brand Omni policies were sold under, is still trading and still selling car insurance, and it no longer names Omni among the companies behind its policies. Omni got its start in Atlanta, Georgia, and it spent its later years as one of several underwriters under the Good2Go umbrella.

One thing this is not: a company that collapsed. Surrendering a certificate of authority is how an insurer stops writing in a state, and it is a voluntary filing. We looked for a liquidation or receivership order against Omni Insurance Company and found none. So if you are holding an old Omni policy or an old claim, you are dealing with a company that walked away from the business rather than one that was shut down, and the place to start is your own declarations page.

So, is Omni good for auto insurance? There is nothing left to buy, which makes the useful question a different one: what Omni was, who is still selling under the Good2Go name today, and what a driver in the nonstandard market should check before signing anything. That is what the rest of this review covers.

Omni vs. Good2Go: what the difference is now

“Omni” and “Good2Go” get used interchangeably online, which was always loose and is now wrong. Here is the simple version:

• Good2Go is the brand, and it is still trading. It handles quoting, payments, customer portals and marketing, and its own licensing page says “Good2Go Insurance, Inc. is an insurance agency, offering auto insurance through multiple companies.”
• Omni was one of those companies, and is no longer listed as one. As of October 2026, Good2Go’s licensing page names three: Good2Go Auto Insurance, Dairyland Auto Insurance and Progressive. Omni Insurance Company and Omni Indemnity are not on it.
• Good2Go still places coverage through more than one company, and says “If we are unable to serve your area, we may refer you to a partner to satisfy your needs.” So the company on your paperwork is the thing to read, and it will not say Omni on a policy written today.

That structure is normal in the nonstandard and high-risk market, and it is the reason brands outlive the insurers behind them. The key is to look at your declarations page so you know exactly which company is backing your policy and handling claims, whoever sold it to you.

Where Omni stood, and where Good2Go is available

Omni’s own licenses are the clearest record of the exit. Arizona’s consent order 23A-082-INS, for Omni Insurance Company, NAIC 39098, states that “The surrender of the Petitioner’s certificate of authority is accepted,” dated November 15, 2023. Missouri’s company record says “Effective 11/12/2024 the above company’s status became Inactive following withdrawal of its Certificate of Authority.” A certificate of authority is the license to do business in a state, so those two filings are Omni saying it is done in those states, in its own paperwork.

Good2Go is a separate question and a shorter answer. Its licensing information page says Good2Go Insurance, Inc. is an insurance agency rather than an insurer, and names the three companies it sells for. What that page does not carry is any list of states where Good2Go is or is not licensed. The only way to find out whether it writes where you live is to run your ZIP code through its quote form or call it.

If you live in Georgia, where Omni started, or in another state where nonstandard auto insurance is common, you will usually find several companies competing for the same business, so losing one of them changes very little. Your eligibility still comes down to your driving history, your vehicle, your ZIP code and the coverage you need.

Who the Good2Go kind of policy is best for

Omni is out, so read this as a description of the market it worked in, and of what Good2Go still sells. This kind of policy focuses on drivers who need to get insured quickly and cheaply up front, even with an imperfect record. It may fit if you are:

• Shopping for high-risk drivers coverage after tickets, accidents, lapses in coverage, or multiple violations
• Required to file SR-22 insurance (or similar filings) to reinstate your license
• Primarily looking for state-minimum coverage and a low down payment
• Okay trading “extras” (like broad add-ons and premium perks) for basic coverage that gets you legal

On the flip side, if you have a clean record and qualify for preferred rates, you will usually do better with a standard insurer, especially once you compare the total cost over 6 to 12 months rather than the first payment due.

Coverage options you can usually buy

Most drivers start with the basics and build up from there. An Omni policy, while they were being written, covered the standard pieces, and so does a Good2Go policy today, with the details depending on your state, your vehicle and the underwriting company:

• Liability coverage (required in nearly every state)
• Collision coverage (helps pay to repair/replace your car after an at-fault crash)
• Comprehensive coverage (helps with theft, vandalism, weather, animal hits, and other non-collision damage)

Depending on where you live, you may also see options like uninsured/underinsured motorist coverage, medical payments or personal injury protection (PIP), rental reimbursement, and roadside assistance. Not every add-on is offered in every state, and pricing can vary a lot in the nonstandard market.

Discounts and ways to save in the nonstandard market

Nonstandard carriers price policies differently from big-name preferred insurers, so the discount list looks different too. Good2Go names three of its own, “multi-vehicle, defensive driving course, good student and more,” and it is worth asking what else you qualify for, especially if you are working your premium down over time.

Start with the big categories of car insurance discounts that can meaningfully reduce your rate, including:

• Defensive driving course discount (often helpful for higher-risk drivers, depending on state rules)
• Good driver discount (usually requires a clean recent record)
• Student driver savings (if you’re adding a teen or young driver, ask what’s available)
• Homeowner discount (even without bundling, some insurers give credit for homeownership)
• Multi-car discount (if you insure more than one vehicle)

Also pay attention to payment-related savings. Some companies offer meaningful differences in total cost depending on your pay plan, whether you choose pay in full vs. monthly, and how your auto-renewal is set up.

Third-party rankings, complaints, and what they mean

If you’re trying to decide whether Omni/Good2Go is “good,” don’t rely on one star rating alone. Use a few objective checkpoints:

J.D. Power

J.D. Power satisfaction studies typically focus on larger insurers by market share, so nonstandard brands may not appear in the rankings. If you’re trying to interpret results, start with how J.D. Power auto insurance rankings are built (and what they do—and don’t—measure).

Complaints and enforcement actions

Every insurer gets complaints, and online reviews tend to skew negative across the industry (people rarely leave a review when things go smoothly). What matters is whether there’s a consistent pattern of issues—especially around claims delays, communication, or settlement disputes.

If you run into a serious issue, you can make a complaint through your state insurance department. That’s typically the most effective path when you’ve exhausted the insurer’s internal escalation process.

Financial strength: how to check stability before you buy

Financial strength isn’t about whether a company is “big”—it’s about whether it’s likely to be able to pay claims reliably. The most recognized tool consumers use is A.M. Best ratings. However, not every company participates in every rating program.

Omni is a case in point. A.M. Best withdrew its ratings on the members of the American Independent Companies pool on March 30, 2017, Omni Insurance Company and Omni Indemnity Company among them, after a downgrade and at management’s request, so there has been no public rating to check for years. If you want to read that announcement directly, see the A.M. Best rating withdrawal announcement (2017).

Worth being precise about what came next, because it is easy to read the wrong thing into a company going quiet. Omni’s exit shows up in the records as a withdrawal, not a failure. Arizona accepted a voluntary surrender of its certificate of authority and Missouri marked the company inactive after it withdrew its certificate. We found no liquidation order, no receivership and no guaranty association notice for Omni Insurance Company. Those are the documents that would exist if an insurer had been taken over and its policies cancelled, and they are not there.

Because rating participation can change, the most practical approach is to confirm the exact underwriting company on your quote and then make sure that insurer is financially stable using whatever ratings and regulatory resources are available in your state.

How claims and service usually work

If you have an open claim or an old Omni policy in a drawer, start with the declarations page, because the insurer name and the claims number printed on it are the authority on where the file sits. Two details may help you get to a person. Missouri’s record gives Omni’s address as P.O. Box 1890, Blue Bell, PA 19422, which is the same post office box Good2Go publishes as its mailing address, and Good2Go’s customer service line is 800-777-6664. If that leads nowhere, your state insurance department can tell you who is handling the company’s business, and it is the right place to complain if nobody will talk to you. For any claim, with any insurer, as a policyholder you get the best results by documenting everything early:

• Save your declarations page and ID cards (and confirm the underwriting company name).
• Take photos/videos at the scene when safe to do so.
• Collect the other driver’s info and any witness contact details.
• Follow up in writing (email is fine) after phone calls so there’s a clear paper trail.

If you’re unhappy with how a claim is progressing, ask for a supervisor, request a written explanation of any delays/denials, and escalate through your state regulator when appropriate.

How to reduce your rate and “graduate” to standard insurance

Plenty of drivers use nonstandard insurance temporarily, then switch once their record improves. The playbook usually looks like this:

• Stay continuously insured (avoid lapses).
• Keep your record clean as violations age off.
• Shop rates at renewal, and follow a plan to move from high-risk to standard coverage.

If you need coverage but keep getting declined, you may also have the option of assigned-risk auto insurance through your state’s program (availability and rules vary by state).

And if you’re filing an SR-22, it helps to know how long an SR-22 lasts in your state so you can plan your next switch without risking a lapse or suspension.

Final verdict: is Omni good for auto insurance?

The question has aged out. Omni stopped writing, so there is no good or bad left to judge for a shopper, and the honest verdict is that you need a different company. Good2Go still sells the same kind of policy, with Good2Go Auto Insurance, Dairyland and Progressive named as the companies behind it. That kind of cover can be a sensible stopgap for a driver who needs to be legal quickly and cannot get a preferred rate, and a poor long-term deal for anyone who can.

Your best move is the same as ever: compare quotes at the same limits and deductibles, confirm the underwriting company before you pay, and run that company’s name through your state insurance department’s complaint data.

My advice: in the nonstandard market, check the insurer behind the brand once a year, not once. Brands here get sold, renamed and re-papered, and the company that was behind your policy at signing may not be the one behind it at renewal. Omni is the proof. The brand carried on without a wobble and the insurer quietly handed back its licenses.

Sources

Checked October 5, 2026

• Good2Go — Licensing Information
• Good2Go — Contact Us
• Arizona Department of Insurance and Financial Institutions — Consent Order 23A-082-INS, November 15, 2023
• Missouri Department of Commerce and Insurance — Omni Insurance Company
• A.M. Best — A.M. Best Withdraws Credit Ratings for Members of American Independent Companies Pool, March 30, 2017