Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 13, 2022

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Just the Basics

  • Omni Insurance writes policies for Good2Go Insurance
  • You can pay for your Omni Insurance policy online
  • You should get free quotes from three companies before buying a policy

Anything can happen when you’re out on the road, and it’s important to put safety first before even turning your key in the ignition. Buying a good insurance policy is a vital part of staying safe as a driver, but with so many insurance companies flooding the market, it can be difficult to ascertain which is the best fit for your needs. Thankfully, free Omni Insurance reviews like this one can help you narrow down your choices.

Keep reading to learn more about Omni Insurance’s history, the coverages it provides, and how you can save money on your car insurance.

Who is Omni Insurance?

Founded in 1986, Omni Insurance has evolved to become a part of Good2Go Insurance and writes policies for Good2Go. Now, searches for the Omni Insurance Company website or Omni Insurance phone number will redirect you to the Good2Go page.

An Omni Insurance policy could be a good fit for drivers who need low rates or high-risk drivers who have previously been denied coverage. While you won’t be able to purchase any additional coverage options, the basic coverages available through Good2Go will keep you protected and street-legal. You can see more information about Good2Go here:

Company OverviewDetails
Year Founded1992
Current ExecutivesCEO: Joe DeLago
Number of Employees251-500
HQ Address2018 Powers Ferry Road SE, Ste 400
Atlanta, GA 30339
Phone Number1-800-777-6664
Company Websitehttps://www.good2go.com/
Direct Premiums Written$235.2 million worth
Best ForHigh-risk insurance
Minimum insurance coverage
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If you have an Omni Insurance payment due, you can visit the Good2Go website and use the online payment feature to keep your coverage in good standing.

You won’t have to worry about digging through your insurance paperwork to find the Omni Insurance claims phone number if you need your car repaired after an accident. Any Omni Insurance Company auto claims are handled by Good2Go’s claims department. In addition, you can file a claim online as long as you have your Good2Go login information available.

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Is Omni Insurance highly rated?

Unfortunately, Good2Go doesn’t have a rating from A. M. Best or Demotech. Since Omni Insurance writes policies for Good2Go, you’ll need to investigate Good2Go’s financial security if you want to be confident that your claims could be paid out. If you’re searching for a company that has proven its financial strength, you can use this chart as a guide:

CompanyAM Best RatingDirect Premiums Written
(in billions)
Market Share
(in percent)
Loss Ratio
(in percent)
AllstateA+ (Superior)22.7 (↑)9.19 (↓)56 (↓)
American FamilyA (Excellent)4.7 (↑)1.9 (↑)69 (~)
FarmersA (Excellent)10.5 (↑)4.26 (↓)61 (~)
GeicoA++ (Superior)33.1 (↑)13.41 (↑)71 (~)
Liberty MutualA (Excellent)11.8 (↑)4.77 (↓)62 (~)
NationwideA+ (Superior)6.7 (↓)2.73 (↓)58 (↓)
ProgressiveA+ (Superior)27.1 (↑)10.97 (↑)62 (~)
State FarmA++ (Superior)41.9 (↑)17.01 (↓)63 (↓)
TravelersA++ (Superior)4.7 (↑)1.9 (↑)60 (~)
USAA
(Military &
Family Members)
A++ (Superior)14.5 (↑)5.87 (↑)77 (~)
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If you’re primarily concerned with the quality of the customer service a company provides, you’ll be pleased to note that Good2Go has an A- rating from the Better Business Bureau (BBB).

What coverages does Omni Insurance provide?

While Good2Go advertises low-cost insurance for high-risk drivers, Omni Insurance also writes full coverage policies for this company. A full-coverage policy includes:

  • Bodily injury liability
  • Property damage liability
  • Collision coverage
  • Comprehensive coverage
  • Un/Underinsured motorist
  • Personal injury protection

It’s usually a good rule of thumb to keep your liability levels set at 100/300/100, which means that were you to cause an accident, you’d have $100,000 in coverage to help with the injured driver’s medical bills and $300,000 per accident.

Access to an extra $300,000 could be particularly useful if the accident involved passengers in need of medical assistance. The last $100,000 is reserved for paying for any property damage you may cause in an accident.

Unlike the other coverage types listed above, you will need to pay a deductible to utilize your collision or comprehensive coverages.

Does Omni Insurance offer competitive rates?

Rates differ from one driver to the next, and unfortunately, Good2Go doesn’t share sample rates on its website. You can, however, start planning your insurance budget by reviewing the average rate of insurance in your home state:

StateAverage by State
Alabama$3,566.96
Alaska$3,421.51
Arizona$3,770.97
Arkansas$4,124.98
California$3,688.93
Colorado$3,876.39
Connecticut$4,618.92
Delaware$5,986.32
District of Columbia$4,439.24
Florida$4,680.46
Georgia$4,966.83
Hawaii$2,555.64
Idaho$2,979.09
Illinois$3,305.48
Indiana$3,414.97
Iowa$2,981.28
Kansas$3,279.62
Kentucky$5,195.40
Louisiana$5,711.34
Maine$2,953.28
Maryland$4,582.70
Massachusetts$2,678.85
Median$3,660.89
Michigan$10,498.64
Minnesota$4,403.25
Mississippi$3,664.57
Missouri$3,328.93
Montana$3,220.84
Nebraska$3,283.68
Nevada$4,861.70
New Hampshire$3,151.77
New Jersey$5,515.21
New Mexico$3,463.64
New York$4,289.88
North Carolina$3,393.11
North Dakota$4,165.84
Ohio$2,709.71
Oklahoma$4,142.33
Oregon$3,467.77
Pennsylvania$4,034.50
Rhode Island$5,003.36
South Carolina$3,781.14
South Dakota$3,982.27
Tennessee$3,660.89
Texas$4,043.28
Utah$3,611.89
Vermont$3,234.13
Virginia$2,357.87
Washington$3,059.32
West Virginia$2,595.36
Wisconsin$3,606.06
Wyoming$3,200.08
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If you think your rates are too high, you can take steps to reduce them. For example, you could consider raising your deductibles, as deductibles and rates have an inverse relationship. You can also reduce your rates over time by following safe driving practices and building up your credit card score.

Insurance companies review your driving history and credit score to see if you pose a risk to the company, so keeping your moving violations low and your credit score high could reduce your rates.

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Does Omni Insurance offer discounts?

As you learn how to become a better driver, you can utilize discounts to lower your rates. Good2Go lists 14 discount options on its website, some of which could save you up to 25%. Below, you can examine discounts that other insurance companies offer:

Car Insurance Discounts by Company
Car Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Anti-Theftxxx252025x15xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging/StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership/GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Non-Smoker/Non-DrinkerN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
RenterN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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The discounts offered by Good2Go and the companies listed above are nothing to sneeze at, but when you’re shopping for insurance, you should compare quotes from at least three different companies so you can verify that you are getting the best deal.

What You Need to Know About Omni Insurance

Omni Insurance writes policies for Good2Go Insurance. This company has a high rating from the BBB, but it doesn’t have a rating for its financial strength. You can pay for your Omni Insurance policy via the Good2Go website and even file claims online.

While Good2Go does offer an impressive array of discounts, that shouldn’t be your sole reason for purchasing a policy. It’s in your best interest to request quotes from a few different companies so you can compare the policies side by side and determine which is the best overall fit for your needs.