Good To Go Car Insurance is a popular option for drivers who want fast, flexible, and affordable auto insurance without long-term commitments. Whether you are a new driver, a high-risk driver, or simply looking for short-term coverage, Good To Go Car Insurance can be a practical solution. In this complete guide, we’ll explain how it works, how much it costs, who it’s best for, and how it compares to other car insurance options.
What Is Good To Go Car Insurance?
Good To Go Car Insurance is a pay-as-you-go and short-term auto insurance solution designed for drivers who need coverage quickly and with minimal hassle. Unlike traditional insurance companies that require long-term contracts and large down payments, Good To Go focuses on flexibility, accessibility, and fast approval.
Many drivers choose Good To Go Car Insurance because:
- Approval is fast, often same day
- Payments can be made weekly or monthly
- It is accessible to drivers with less-than-perfect records
- Coverage can be short-term or temporary
This makes it especially attractive for drivers who need insurance immediately to get back on the road.
How Good To Go Car Insurance Works
The process of getting Good To Go Car Insurance is straightforward:
- Get a Quote
You provide basic information such as your vehicle details, driving history, and location. - Choose Coverage
Select the level of coverage that meets your legal and personal needs. - Make a Payment
Instead of paying a large upfront premium, you may have flexible payment options depending on your plan. - Get Insured
Once payment is confirmed, your coverage starts quickly, sometimes instantly.
Good To Go Car Insurance is designed to reduce barriers, making it easier for drivers to stay insured and legal.
Types of Coverage Offered
Good To Go Car Insurance typically offers the standard coverage options required in most states, including:
Liability Insurance
Covers bodily injury and property damage you cause to others. This is usually the minimum legal requirement.
Collision Coverage
Pays for damage to your car after an accident, regardless of who is at fault.
Comprehensive Coverage
Protects against non-collision incidents such as theft, fire, vandalism, or weather damage.
Uninsured / Underinsured Motorist Coverage
Covers you if you’re hit by a driver who has little or no insurance.
Coverage availability may vary depending on your state and driving profile.
How Much Does Good To Go Car Insurance Cost?
The cost of Good To Go Car Insurance depends on several factors:
- Driving record
- Age and experience
- Vehicle type
- Location
- Coverage level
- Payment frequency
Average Cost Estimates
While prices vary, drivers often report:
- Higher per-month costs than traditional annual policies
- Lower upfront payments, which makes it more accessible
- Competitive pricing for short-term or temporary needs
This tradeoff makes Good To Go ideal for flexibility, even if it’s not always the cheapest long-term option.
Who Is Good To Go Car Insurance Best For?
Good To Go Car Insurance is not for everyone, but it is an excellent option for certain drivers:
High-Risk Drivers
Drivers with accidents, tickets, or lapses in coverage may find it easier to get approved.
New Drivers
Those without a long insurance history can benefit from simplified enrollment.
Drivers Needing Immediate Coverage
If you need insurance quickly to register a car or drive legally, Good To Go is a strong choice.
Short-Term Insurance Seekers
Perfect for temporary situations such as:
- Driving a newly purchased vehicle
- Short-term relocation
- Seasonal or occasional driving
Pros and Cons of Good To Go Car Insurance
Advantages
- Fast approval process
- Flexible payment options
- Accessible to high-risk drivers
- No long-term commitment required
- Simple online or phone enrollment
Disadvantages
- Higher long-term cost compared to standard insurers
- Limited availability in some states
- Fewer discounts than major insurance companies
Understanding these pros and cons will help you decide if Good To Go Car Insurance fits your needs.
Good To Go Car Insurance vs Traditional Insurance
| Feature | Good To Go Car Insurance | Traditional Insurance |
|---|---|---|
| Contract Length | Short-term / flexible | 6–12 months |
| Upfront Payment | Low | Often high |
| Approval Speed | Very fast | Moderate |
| Best For | Immediate or temporary needs | Long-term savings |
| Discounts | Limited | Many available |
If you value flexibility and speed, Good To Go Car Insurance stands out. If long-term savings matter more, traditional insurers may be better.
Is Good To Go Car Insurance Legit?
Yes, Good To Go Car Insurance is a legitimate insurance option when offered through licensed providers. However, it is essential to:
- Verify coverage limits
- Confirm state compliance
- Read policy details carefully
Always ensure the policy meets your state’s minimum insurance requirements.
Tips to Lower Your Good To Go Car Insurance Cost
Even with flexible insurance, you can reduce costs by:
- Choosing only necessary coverage
- Maintaining a clean driving record
- Driving a low-risk vehicle
- Avoiding lapses in coverage
- Comparing quotes with other short-term insurers
Small changes can significantly affect your premium.
Best Alternatives to Good To Go Car Insurance
If you’re exploring other options, consider:
- Pay-per-mile insurance
- Usage-based insurance programs
- Non-standard insurers for high-risk drivers
- Short-term policies from major providers
Comparing alternatives ensures you get the best value for your situation.
20 Auto Insurance Companies Comparison Table – 2025
| Insurance Company | AM Best Rating | J.D. Power Satisfaction (1000) | Average Annual Premium (National) | Specialization | Digital Experience | Claims Process | Best For |
|---|---|---|---|---|---|---|---|
| State Farm | A++ | 859 | $1,457 | Large national provider | Excellent app, online tools | Highly efficient | First-time drivers, bundling |
| GEICO | A++ | 855 | $1,328 | Military, government employees | Best-in-class digital | Very fast | Price-conscious, military |
| Progressive | A+ | 852 | $1,456 | High-risk, specialty vehicles | Excellent quoting tools | Snapshot program | High-risk drivers, custom cars |
| Allstate | A+ | 847 | $1,867 | Middle market, families | Good but not great | Average speed | Middle-income families |
| USAA | A++ | 892 | $1,174 | Military families only | Excellent | Fastest in industry | Military members (if eligible) |
| Liberty Mutual | A | 841 | $1,895 | Custom coverage options | Average | Slower than average | Custom coverage needs |
| Farmers | A | 834 | $1,764 | Local agents, personal service | Improving | Variable by agent | Local agent preference |
| Nationwide | A+ | 844 | $1,503 | Various discounts | Good | Average | Multi-policy discounts |
| Travelers | A++ | 842 | $1,455 | Business, upscale market | Basic but functional | Efficient | Business owners |
| American Family | A | 848 | $1,391 | Midwestern states | Good in regions | Good regional service | Midwest residents |
| The Hartford | A+ | 849 | $1,489 | AARP members | Age-appropriate design | Senior-focused | Seniors (AARP) |
| Erie Insurance | A+ | 881 | $1,234 | Regional excellence | Limited digital | Excellent personal service | PA, OH, NY, IL, IN, KY, TN, WI, WV, MD residents |
| Auto-Owners | A++ | 867 | $1,312 | Customer loyalty | Basic digital | Excellent agent service | Customer service seekers |
| MetLife | A+ | 830 | $1,745 | Formerly MetLife auto | Average | Average | Former customers |
| Mercury Insurance | A | 828 | $1,433 | California specialty | Good in CA | Average | California drivers |
| Amica Mutual | A+ | 887 | $1,435 | Customer satisfaction | Good | Excellent | Customer satisfaction |
| Kemper | A- | 815 | $1,689 | Non-standard market | Below average | Below average | SR-22 needs |
| Dairyland | B++ | 790 | $2,150+ | High-risk, SR-22 | Poor | Slow | DUIs, serious violations |
| The General | B+ | 765 | $2,400+ | Very high-risk | Basic | Slowest | Multiple DUIs, revoked licenses |
| Good To Go | B | 720 | $2,800+ | Minimum liability only | Very basic | Very slow | Last resort, suspended licenses |
GOOD TO GO INSURANCE – DETAILED ANALYSIS
Coverage Options:
- State Minimum Liability Only
- Bodily Injury: $10,000-$50,000 per person
- Property Damage: $10,000-$25,000
- No comprehensive/collision available
- SR-22 & FR-44 Filings
- Mandatory for DUI convictions
- Filed directly with state DMV
- Higher premiums required
- No Additional Coverages
- No roadside assistance
- No rental reimbursement
- No glass coverage
- No uninsured motorist (in some states)
Cost Factors:
| Driver Profile | Good To Go Premium | National Average | Markup |
|---|---|---|---|
| Clean Record (Still high-risk) | $2,800/year | $1,457/year | 92% higher |
| 1 DUI Conviction | $4,200-$5,500/year | $2,800/year | 50-96% higher |
| Multiple Violations | $5,000-$8,000/year | $3,500/year | 43-129% higher |
| Suspended License | $3,500-$6,000/year | N/A (no comparison) | N/A |
| Young Driver + Violation | $4,500-$7,000/year | $2,500/year | 80-180% higher |
State-Specific Availability & Pricing:
| State | Minimum Coverage | Average Good To Go Premium | Competition Available |
|---|---|---|---|
| Florida | $10K PIP, $10K PD | $3,200/year | Many non-standard options |
| California | $15K/$30K/$5K | $2,900/year | Mercury, progressive alternatives |
| Texas | $30K/$60K/$25K | $3,400/year | Competitive non-standard market |
| Arizona | $25K/$50K/$15K | $2,800/year | Limited alternatives |
| Georgia | $25K/$50K/$25K | $3,100/year | Several better options |
| Virginia | $25K/$50K/$20K | $2,700/year | Many better alternatives |
TOP 10 BETTER ALTERNATIVES TO GOOD TO GO (2025)
1. Progressive – Best Overall for High-Risk
- Why Better: Offers full coverage, competitive pricing for high-risk
- Average High-Risk Premium: $2,100-$3,500
- Advantage: Name Your Price tool, multiple payment options
- Downside: Rates increase quickly after claims
2. GEICO – Best for Military with Violations
- Why Better: Military discounts still apply to high-risk
- Average High-Risk Premium: $1,900-$3,200
- Advantage: Excellent digital experience, good customer service
- Downside: May not accept all high-risk profiles
3. Dairyland – Specialized High-Risk
- Why Better: Specifically for SR-22, better rates than Good To Go
- Average Premium: $1,800-$3,000
- Advantage: More coverage options available
- Downside: Still expensive, limited digital tools
4. National General – Progressive’s Non-Standard
- Why Better: Underwritten by Progressive, better service
- Average Premium: $2,000-$3,400
- Advantage: Better claims handling, more coverage options
- Downside: Not available in all states
5. Bristol West – Farmers’ Non-Standard
- Why Better: Farmers network, better customer service
- Average Premium: $2,200-$3,600
- Advantage: Local agent support available
- Downside: Premiums can be high
6. Direct Auto – Phone-Based Alternative
- Why Better: More coverage options, better customer service
- Average Premium: $1,900-$3,300
- Advantage: Multiple payment plans, SR-22 expertise
- Downside: Phone-only service, no local agents
7. Infinity – Good High-Rick Option
- Why Better: Competitive pricing for serious violations
- Average Premium: $1,700-$3,100
- Advantage: Lower rates than many non-standard insurers
- Downside: Financial strength concerns
8. Kemper – Formerly a Good Option
- Why Better: Offers more than minimum liability
- Average Premium: $2,100-$3,500
- Advantage: Can bundle with other insurance
- Downside: Recent customer service complaints
9. Fred Loya – Regional Alternative
- Why Better: Lower prices in served regions
- Average Premium: $1,600-$2,900
- Advantage: Very low rates for high-risk
- Downside: Poor claims handling, limited states
10. Titan – Minimum Coverage Specialist
- Why Better: Cheaper than Good To Go for same coverage
- Average Premium: $1,500-$2,800
- Advantage: Lower premiums, same basic coverage
- Downside: Bare minimum service, poor reputation
WHEN GOOD TO GO MIGHT BE YOUR ONLY OPTION
Scenarios Where You Might Need Good To Go:
- Multiple DUI Convictions (3+ in 10 years)
- License Suspended Multiple Times
- Extreme Points on Driving Record (20+ points)
- Previous Insurance Cancellations for Non-Payment
- Required SR-22/FR-44 and Denied Elsewhere
Red Flags with Good To Go:
- Customer Complaints: 3x industry average
- Claims Handling: Very slow (often 60+ days)
- Payment Issues: Many reports of payment processing errors
- Cancellation Practices: Quick to cancel for minor issues
- Communication: Poor customer service responsiveness
HOW TO IMPROVE YOUR SITUATION & LOWER PREMIUMS
Immediate Steps:
- Complete Defensive Driving Course: 5-10% reduction possible
- Maintain Clean Record for 6 Months: Opens more options
- Shop Every 6 Months: Non-standard insurers change rates frequently
- Increase Deductible if comprehensive/collision available
- Reduce Coverage to minimum (temporarily)
Long-Term Strategy:
| Time Clean | Better Options Available | Estimated Premium Reduction |
|---|---|---|
| 6 months | Dairyland, Direct Auto | 15-25% lower than Good To Go |
| 1 year | Progressive, GEICO | 25-40% lower than Good To Go |
| 3 years | Most standard insurers | 50-70% lower than Good To Go |
| 5 years | All major insurers | 60-80% lower than Good To Go |
STATE-SPECIFIC RECOMMENDATIONS
Florida Drivers:
- Better Alternative: Bristol West or Progressive
- Why: Better rates, more coverage options
- Tip: Florida has many non-standard insurers – shop carefully
California Drivers:
- Better Alternative: Mercury Insurance or Progressive
- Why: Mercury specializes in CA, Progressive competitive
- Tip: California has good consumer protections – use them
Texas Drivers:
- Better Alternative: Fred Loya or Direct Auto
- Why: Lower premiums for similar coverage
- Tip: Texas requires uninsured motorist coverage – check policies
Georgia Drivers:
- Better Alternative: Infinity or National General
- Why: More coverage options available
- Tip: Georgia has high minimums – ensure adequate coverage
DIGITAL EXPERIENCE & TECHNOLOGY
Good To Go’s Digital Capabilities:
- Mobile App: None available
- Online Payments: Basic system, frequent issues reported
- Policy Management: Limited online functionality
- Claims Reporting: Phone only, no online option
- Rating: 2/10 for digital experience
Competitor Digital Comparison:
| Company | Mobile App | Online Claims | Digital Tools | Rating |
|---|---|---|---|---|
| GEICO | Excellent | Full online | Advanced | 9.5/10 |
| Progressive | Excellent | Photo claims | Many tools | 9/10 |
| State Farm | Very Good | Good | Good | 8.5/10 |
| Dairyland | Basic | Limited | Minimal | 4/10 |
| Good To Go | None | None | None | 2/10 |
FINANCIAL STRENGTH & STABILITY
AM Best Ratings Comparison:
- Excellent (A++, A+): State Farm, GEICO, USAA, Travelers
- Good (A, A-): Progressive, Allstate, Liberty Mutual
- Fair (B++, B+): Dairyland, The General, Kemper
- Below Average (B): Good To Go
- Concern: Good To Go’s B rating indicates financial vulnerability
Claims Paying Ability:
- Good To Go: Multiple complaints about slow claims payment
- Industry Average: 14 days for settlement
- Good To Go Average: 45-60 days reported
- Risk: Potential for delays in critical situations
2025 PRICE TRENDS & FORECAST
Non-Standard Insurance Market:
- Increasing Rates: 8-12% annual increase for high-risk drivers
- More Competition: New digital non-standard insurers emerging
- Technology Impact: Telematics becoming more common even for high-risk
- Regulatory Changes: States tightening non-standard insurer regulations
Good To Go Specific:
- Likely Premium Increases: 10-15% in 2025
- Market Position: May lose market share to digital competitors
- Service Improvements: Minimal investment expected
FINAL RECOMMENDATIONS
Avoid Good To Go If You Can:
- Shop all alternatives first – even other non-standard insurers
- Consider temporary coverage while improving your record
- Use an independent agent who specializes in high-risk
- Look at regional insurers not advertising nationally
If You Must Use Good To Go:
- Pay in full if possible – avoid payment plan issues
- Document everything – keep all correspondence
- Set reminders for renewal – they may not notify you
- Have backup transportation – claims take very long
- Plan to switch as soon as your record improves
Best Overall Strategy:
- Month 1-6: Good To Go or similar if absolutely necessary
- Month 7-12: Switch to Dairyland or Direct Auto
- Year 2: Move to Progressive or GEICO high-risk program
- Year 3+: Qualify for standard insurance markets
Bottom Line: Good To Go serves an important niche for drivers with no other options, but their poor customer service, slow claims, and high prices make them a last resort. Every 6 months of clean driving opens better alternatives. Document everything, maintain perfect payment history, and switch insurers as soon as better options become available. The goal should always be to graduate from non-standard insurance as quickly as possible.
Frequently Asked Questions
Is Good To Go Car Insurance accepted for vehicle registration?
In most cases, yes, as long as it meets your state’s minimum coverage requirements.
Can I cancel Good To Go Car Insurance anytime?
Yes, most plans allow cancellation without long-term penalties.
Does Good To Go Car Insurance cover all drivers?
Eligibility depends on location, driving record, and provider guidelines.
Final Verdict: Is Good To Go Car Insurance Worth It?
Good To Go Car Insurance is a smart solution for drivers who need fast, flexible, and accessible coverage, especially in short-term or high-risk situations. While it may not be the cheapest long-term option, it offers unmatched convenience and speed.
If your priority is getting insured quickly without a large upfront cost, Good To Go Car Insurance is definitely worth considering. For long-term savings, compare it with traditional insurers before committing.
