GAINSCO Auto Insurance Review for 2025 (See Ratings & Cost Here!)

Our GAINSCO auto insurance review finds $44 monthly rates, a good fit for drivers sticking with state-minimum liability to keep costs down. GAINSCO makes things easier with bilingual claims support in English and Spanish and friendly local agents to guide you.

GAINSCO Auto Insurance Rating

You can save approximately $120 per year with their 10 percent auto-pay discount and select liability limits starting at 30/60/25, which meets state requirements.

Backing the Grand–AM–winning Bob Stallings Racing team demonstrates their commitment to speed, precision, and exceptional service.

See better options to buy auto insurance from GAINSCO Auto Insurance when you use our free comparison tool to compare plans.

GAINSCO Auto Insurance Monthly Rates by Driving Record

Best GAINSCO Auto Insurance Discounts

GAINSCO Auto Insurance discounts are more than just numbers — they’re designed to make your coverage feel like the cheapest car insurance possible while rewarding smart choices. Many GAINSCO reviews even mention how these discounts make a noticeable difference in keeping costs low.

GAINSCO Auto Insurance Discounts

Bundling home and auto insurance gives you the biggest break at 15%, which is great if you’re already paying for both and want to consolidate your separate bills. The 10% good student discount helps families save on one of the most expensive drivers to insure — teens — by rewarding good grades.

Choosing AutoPay or paying in full knocks 10% off and eliminates the worry of late fees or missed payments. Even sticking with GAINSCO, Inc. pays off with a 10% loyalty discount, which not only saves you now but helps keep your rates lower in the future by showing continuous coverage.

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GAINSCO Auto Insurance Coverage Options

GAINSCO car insurance gives you plenty of ways to protect yourself, your car, and your finances when things don’t go as planned. Each coverage option is built around real-life situations drivers encounter, including a unique service that makes auto insurance for high-risk drivers more accessible.

GAINSCO Auto Insurance Coverage Options

Every policy starts with liability coverage, which takes care of the other driver’s medical bills and property damage if you’re at fault, so you’re not left paying out of pocket. Collision coverage helps repair your car after a crash, even if you were at fault or struck an object, such as a pole or guardrail. Comprehensive kicks in for things that aren’t accident-related, like if your car gets stolen, keyed, or hit by a storm.

If you’re hit by someone with no insurance or not enough, uninsured and underinsured motorist coverage makes sure your costs are covered. MedPay and PIP help with medical bills and lost wages for you and your passengers, no matter who’s at fault.

You can add extras like rental coverage and roadside assistance to make dealing with breakdowns and repairs a whole lot easier. One standout feature is GAINSCO’s SR‑22 filing service, which helps high‑risk drivers file proof of insurance with the state and stays legal without the headache.

How GAINSCO Makes Managing Your Policy Easier

GAINSCO Auto Insurance makes it easy to stay on top of your policy, whether you’re making a payment, need to file an auto insurance claim, or even cancel your coverage. Their process is straightforward and designed to fit how people manage their insurance on a day-to-day basis, with help always available through GAINSCO’s customer service.

You have four simple ways to pay your GAINSCO bill. Call 1‑866‑GAINSCO between 8 a.m. and 8 p.m. Central to pay by debit or credit card. You can also mail a check or money order, pay online anytime, or visit your agent’s office to pay in person with cash, check, or card. To make things even easier, call customer service to set up automatic payments so your bill is handled on time every month automatically.

Filing a claim with GAINSCO is simple. Call the GAINSCO insurance claims number, 1‑866‑GAINSCO, on weekdays to speak with a bilingual agent who’ll walk you through it. After hours, leave a message for a callback the next day. You can also use the free Quick Estimate app to upload photos, get an estimate, and track your claim, or log into the online portal anytime to check status and manage your policy.

Canceling your policy is simple. Just send a signed and dated request, and you’ll get a credit for any unused premium. Keep a copy for your records, just in case. According to GAINSCO insurance reviews, customers appreciate how straightforward and hassle‑free the cancellation process is compared to other insurers.

Even after being acquired by State Farm for $400 million, GAINSCO has kept its independent focus while benefiting from the strength of a larger company behind it.

How to Save on GAINSCO Auto Insurance

GAINSCO offers numerous discounts, but there are also smart hacks to save even more money on car insurance beyond the usual deals. With a few simple choices, you can keep your costs low while still getting the coverage you need.

• Go With State-Minimum Liability: GAINSCO specializes in affordable liability auto insurance, so sticking with just what your state requires is the cheapest option.
• Skip SR‑22 if You Don’t Need It: If you’re not legally required to carry an SR‑22, you can avoid paying extra for that filing service.
• Drop Extras You Already Have: If you already have roadside assistance or rental coverage elsewhere, removing those add-ons from your GAINSCO policy helps keep your bill down.
• Pay Online or Set Up AutoPay: Paying through our website or setting up automatic payments means no late fees and fewer hassles each month.
• Keep Your Coverage Active: GAINSCO rewards drivers who renew on time and maintain continuous coverage, so you don’t risk paying more after a gap.

These tips go beyond standard discounts and help you save by tailoring your policy to your actual needs. It’s always worth requesting a GAINSCO quote and speaking with an agent to see how much more you can save by adjusting your coverage.

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Customer Reviews and Ratings: GAINSCO Auto Insurance

Here’s what the ratings say about GAINSCO Auto Insurance and what they mean for you. Each score highlights a different aspect of the experience, serving as a quick guide to auto insurance and helping you decide if GAINSCO is the right fit.

GAINSCO Insurance Business Ratings and Consumer Reviews

A J.D. Power score of 790 indicates that most customers are generally satisfied, although some mention that claims can take longer than expected. The BBB gives GAINSCO a B, which means they handle things fairly but do have some complaints that haven’t been resolved. Consumer Reports gives them a 68, so your experience may depend significantly on the local agent you work with.

Their complaint index is 1.20, which is just above average, and could be a factor if quick fixes are essential to you. On the bright side, an A- from A.M. Best shows they have the financial strength to back up their promises when it counts.

One customer review reinforces this, saying GAINSCO kept their rates among the lowest for over eight years while delivering great service.

They also appreciated how GAINSCO worked directly with their loan company to make sure the coverage met specific requirements — something not all insurers take the time to do. It’s that kind of personal touch and affordability that keeps people sticking with them year after year.

Pros and Cons of GAINSCO Auto Insurance

GAINSCO Auto Insurance is a good pick if you want affordable liability coverage and some extra help staying on top of state requirements, especially if you’re a high‑risk driver. It has a few unique perks that set it apart, although there are also some downsides to consider.

• Dedicated SR‑22 Filing: GAINSCO handles SR‑22 filings for high‑risk drivers directly with the state, saving you time and making sure you stay compliant without extra hassle or fees.
• Bilingual Claims Support: Customer service and claims teams speak both English and Spanish, making it easier for more drivers to get help when they need it.
• 44-State Availability: GAINSCO is licensed in 44 states, plus D.C., providing high-risk and budget-focused drivers with access to liability auto insurance, even in markets where many insurers won’t write policies.

That said, GAINSCO Insurance Company does have some limitations you should consider before signing up.

• Limited Optional Coverages: There are no premium options, such as gap insurance or umbrella liability, which could leave you more exposed in serious situations.
• Above-Average Complaint Index: According to NAIC data, GAINSCO has a complaint ratio of 1.20, which is slightly higher than the average, reflecting some customer frustration with how claims are handled.

If you’re mainly focused on meeting state requirements with low‑cost liability auto insurance, GAINSCO has a lot to offer — just know it’s not built for drivers who want full‑service coverage or advanced add‑ons. To see how much you might save, it’s worth requesting a GAINSCO insurance quote to compare your options.

Find Affordable Coverage With GAINSCO Auto Insurance

GAINSCO offers affordable auto insurance designed for drivers who need straightforward, state‑compliant coverage at a low price. One advantage is the presence of independent agents who help tailor liability limits, while a drawback is the lack of advanced online tools.

Drivers who prefer personal guidance and minimal policies tend to benefit the most. Their reach across 44 states also sets them apart. To lower your GAINSCO premium, consider raising your deductible to cut monthly costs and avoid filing minor claims that could increase rates.

Improving your driving record over time can also help reduce your insurance premiums. You can also request GAINSCO insurance quotes directly from an agent or online to see how different options affect your rate. Enter your ZIP code online to get multiple auto insurance quotes and compare options to find the best price for your situation.

 

 

 

 

Purchasing a new car can be an exciting thing.

The shiny exterior, the new car smell.

It’s an incredible experience.

The only thing most people aren’t looking forward to is the monthly payments.

Oh, and don’t forget the monthly car insurance bill.

Add the two together, and you can end up with quite a hefty price tag to face up to every month.

Not to mention other expenses you might be making on your car thanks to normal wear and tear or repairs.

After all, the average American uses their car every day, which means it can become an expensive asset to maintain.

When the dollars for their ride start adding up, the first thing most people are tempted to do is to skimp on their insurance.

Meaning they look for auto policies that are the cheapest.

State governments have picked up on this, which is why many of them require you to have at least a specific level of minimum coverage to be able to drive.

In several states, that means having just liability coverage covering both property damage and bodily injury.

And many insurance companies have happily hopped on board, ready to offer exactly that at prices that are tantalizing.

There are several out there, one of which is Gainsco Insurance.

Many might be tempted to sign on the dotted line for minimum-limits insurance, but should Gainsco be a contender on your list?

In this review, you’ll learn everything you need to decide whether this company is worth your while and if it could really help you save money in the long run.

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History and Origin

Minimum-level insurance that could save you dollars

Joseph D. Macchia, the son of a milkman, established Gainsco in 1978 in Fort Worth, Texas after taking a $500,000 loan from a local bank.

Only one year later, in 1979, he sold 70% of it to a Minneapolis-based company for $2.5 million.

Today, Gainsco is part of the MGA insurance company, but is publicly known as Gainsco Auto Insurance.

The company is headquartered in Dallas and offers a range of auto insurance coverages at different rates.

In fact, it offers comprehensive policies and optional coverages to drivers who want to be more fully insured.

Although, there’s no mention of an umbrella policy as part of its products.

For the most part, however, its customers are those who desire less coverage and opt for its minimal-limits personal car insurance.

As part of its goals, Gainsco promises to offer its customers flexible insurance policies that meet three key criteria:

1. They are easily customizable to individual needs.
2. Pricing is competitive.
3. Exceptional customer service and claims management are provided.

A financially solid company with a stable outlook

Gainsco is considered to be a profitable company that has a Stable outlook, according to AM Best.

It’s also rated a B+ by the same company.

Many times, consumers consider this type of information before deciding whether or not to do business with a company.

In Gainsco’s case, it appears that the company is doing well for itself and is financially sound.

Why minimum-level insurance is something you might consider

Minimal-level insurance is a type of insurance policy that covers you to the minimum levels legally mandated by your specific state.

These policies, because they provide the lowest coverage, have the cheapest premiums.

That’s why they’re usually favored by people who want to save costs on car insurance.

But states implement minimum insurance to make sure that everyone who goes on the road is covered at least at a certain minimum level in case of an accident.

It also ensures that drivers (and insurance companies) won’t skimp on insurance policies to the point that having it doesn’t do anyone much good.

Interesting Facts

A fun twist for race-car lovers

A lesser known fun fact about Gainsco is that it sponsors the Bob Stallings racing team.

This team has won the Grand-AM Rolex Sports Car Series twice.

You’ll notice the Gainsco logo on this team’s car anytime you spot them racing.

A unique buying experience for customers who like something different

Aside from sponsoring a successful race car team, Gainsco has other things that set it apart from your typical auto insurance provider.

Unlike most other auto insurance companies, Gainsco sells its policies through independent agents that are located in various states across the nation.

So, if you’re interested in buying insurance, you’ll first have to call them at 1-866-GAINSCO to find an agent near you.

The company believes that selling through independent agents provides you better one-on-one expert care from someone who lives and works in your community.

Another feature Gainsco touts is having bilingual customer service and claims management teams that cater to clients in both Spanish and English.

Also, for added convenience, Gainsco gives customers the ability to access its portal through a mobile app.

Rates, Discounts and Payment Options

What you can expect to pay when you sign up with Gainsco

Gainsco says that its prices are low.

However, it’s not clear on what the average rates are.

A good idea would be to get a quote from them, but also shop around your area to see what other non-standard providers local to you are offering.

Remember, the rate you receive from any provider will ultimately depend on your credit score and driving record.

Providing you with several more ways to save on your auto insurance needs

For those looking to earn even more savings on their car insurance, Gainsco is said to have a discount for nearly every customer.

Below are a few we know of:

Previous insurance. Can you show the company that you currently have a car insurance policy that’s active and has been in effect for six months?

If so, Gainsco can get you approved with lower premiums.

Automatic payments. If you agree to allow Gainsco to automatically withdraw your insurance premium payments from your account, you will be eligible for a discount.

Discount for homeowners. If the person applying for insurance also own a home, they could be eligible for a homeowners discount.

Of course, discounts can always change, so be sure to confirm these discounts when you apply.

I also recommend that you ask if there are any additional ones that might be applicable to your particular case when you talk to a Gainsco agent.

Multiple payments options for your convenience

Gainsco offers you four ways to make a payment: by phone, by mail, online or by visiting your agent in person.

Phone. Call Gainsco at 1-866-GAINSCO to make a payment over the phone by debit card or credit card.

Hours of operation are 8 a.m. – 8 p.m. Central Time.

Mail. Send your check or money order to the address shown on your billing statement.

Online. Pay online 24/7 on the company website with a debit or credit card.

It also offers an auto-pay option so you can have payments automatically made for you.

You’d have to call customer service to set this up.

In-person. Visit your agent to make a payment by either cash, card, or check at their office location.

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Getting Started and Filing Claims

Receive a quote race-car fast and sign up with Gainsco

Once you have a quote and are interested in signing up, you can speak with an agent to help you complete the signup process.

One thing to keep in mind is that Gainsco agents only operate in a few select states.

Agents are located in the following locations:

• Arizona
• Florida
• Georgia
• New Mexico
• Oklahoma
• South Carolina
• Tennessee
• Texas
• Utah
• Virginia

Filing a claim can be a speedy process when you speak to a Gainsco claims agent

If you find yourself in an accident or needing to file a claim, you will need to call 1-866-GAINSCO.

You can get in touch with a claims agent who speaks English or Spanish from Monday-Friday between the hours of 7 a.m. – 7 p.m. Central Time.

Note that hours of operation may vary by state.

For weekends or after-hours calls, you’ll be sent to a voicemail box and will have to wait to receive a return call back on the next business day.

You can also call the same number to check on the status of an existing claim.

You’ll be asked several questions when you call to file a claim, as listed on the company’s website.

Canceling

Gainsco offers an easy cancellations process

As with most insurances, you can choose to cancel your insurance policy with Gainsco at any time.

You should be credited for the unused portion of your insurance policy.

Make sure you put your request to cancel in writing and sign and date it before sending it to the company.

Keep a copy for your records and for future reference.

Reviews and Attributes

What customers like you are saying about Gainsco’s service

Many customers rave about the low prices on the minimum-limits car insurance that Gainsco provides.

Others talk about the great customer service.

But not all customers are impressed. Some even complain they experienced terrible customer service.

Some other complaints include insufficient protection through their coverage, poor phone response and delayed action in getting claims started.

In fact, Gainsco has quite a number of customer complaints.

Strengths and weaknesses that will give you a better idea of Gainsco

If you want to rely less on reviews and more on the companies attributes, we can break it up into strengths and weaknesses.

Gainsco’s primary strengths that differentiate it from several other auto insurance providers are:

1. It’s ability to provide customer service in both Spanish and English.
2. The ability to get a quote in under a few minutes online through its website.
3. Affordable coverage for drivers who may find it difficult or pricey to get approved for insurance at other insurance companies.

On the other hand, its weaknesses include the following:

1. It doesn’t offer insurance nationwide.
2. It only offers auto insurance.
3. Customers aren’t able to file claims around the clock because of its limited claims service hours.

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FAQ

• My driving record is bad. How would it affect my insurance premium?

  Most insurance companies consider your driving record when quoting you rates, and they go as far back as 3–5 years.

  Statistically, the more tickets and accidents you’ve had in the past, the more likely you’re going to continue having in the future, which means you’re a higher risk to insurance companies.

  They then take this as an indicator that they should charge you more for your premiums.

• Do the services offered by Gainsco differ from state to state?

  Yes, in a sense they do.

  Because the minimum insurance requirements can vary from state to state, the minimum auto insurance requirements you’ll need from Gainsco will also vary.

  Gainsco offers services to cater to the minimum requirements of 44 states plus the District of Columbia.

• Does it offer teen discounts?

  Gainsco makes no mention of offering special discounts for teens at this time.

• Can the claims be filed digitally or do I need to send paper copies of everything?

  No, Gainsco does not appear to offer a digital way to submit claims at this time.

  The company encourages you to call the claims number for claims instructions.

• Are there package deals if I went with Gainsco for all my insurance needs?

  At this time, Gainsco offers only auto insurance.

• How much does Gainsco’s rate go up after an accident and/or speeding ticket?

  depends on many factors.

  Normally, your insurance rates won’t spike after just a single speeding ticket or accident.

  But, this is a general guideline.

  Your insurance could be impacted differently depending on state laws, your speed, the vehicle you’re driving, and your driving record.

• What does comprehensive insurance cover with Gainsco?

  If you select comprehensive coverage, it will cover any physical damage to your car, not including damage from collisions.

  These could include damage from hail, flood, fire, vandalism, and theft.

• Does my insurance cover a rental car?

  Yes, it appears that under specific coverage, Gainsco would reimburse you for car rentals.

  When you get a quote and sign up, you should make sure with your agent that this is offered with your specific coverage.

• Does my insurance cover me in Canada or anywhere outside the US?

  Your car insurance should cover you wherever you travel, as long as you are not permanently residing out of country.

• Does this company use credit scores or report to credit bureaus?

  Yes, your credit score may be required to determine your insurance score.

  The insurance score is used as part of the quote process.

  Insurance companies do have the option to report to credit bureaus, but as a general practice, many of them don’t unless things go south and you become delinquent with payments.

  However, these are, again, general practices and not a definitive statement about what Gainsco may or may not choose to report.

• Does it offer insurance for motorcycles?

  No, Gainsco doesn’t offer motorcycle insurance at this time.

• What is its BBB accreditation?

  It’s rated A with the BBB, but is not BBB accredited.

• How to add someone to your car insurance? Which members of my family are eligible for the insurance?

  You should speak to your local insurance agent about adding or removing people from your insurance policy.

  Typically, immediate family members are eligible to be on your policy with you.

• Does it offer gap insurance?

  No, Gainsco does not appear to offer gap insurance at this time.

• Do I get any deals if I am a veteran?

  No, the company does not seem to offer discounts for veterans at this time.

• Does the insurance cover someone else if they are driving my car?

  Yes, drivers who do not own or have regular access to the car can be covered through non-owner liability coverage.

  Make sure your policy has this feature if you want to cover someone else.

• Do I get a discount for my home insurance if I have an alarm system?

  Gainsco does not offer home insurance at this time.

• What will I get if I refer a friend to Gainsco?

  Gainsco doesn’t mention special referral programs or incentives for referring a friend.

• Does Gainsco look into my credit history, my education level?

  Gainsco does pull your credit to determine your insurance score, but there’s no mention of them asking for your educational background or history.

  However, it’s not unheard of for auto insurance companies to request this type of information. You can call the customer service number to find out more.

The Verdict

A decent option for drivers who are more interested in cost savings and minimum coverage

Paying for the bare minimum legal policy is never recommended because these policies barely cover you should anything untoward happen to you or your car.

Personally, I always invest a little bit more and go for comprehensive coverage for all of my family’s vehicles to really give me the kind of peace of mind I need.

If you’re eligible for a standard policy, you should definitely opt for that first through well-known providers, like State Farm or Geico car insurance.

But if it’s difficult or pricey for you to get approved for comprehensive coverage, Gainsco’s minimum-insurance options might be something worth exploring for the short-term.

Its rates are said to be competitive, and some insurance is certainly better than none.

However, minimum-coverage insurance isn’t something you should aim to keep forever.

It really can be useless and a waste of money if you ever do find yourself in an accident, since it won’t cover much.

Try to work on improving both your credit score and your driving history so that you’re seen more favorably by insurance companies.

Eventually, you’ll be able to qualify for standard coverage at an affordable price.

Coverage that will actually protect you, your loved ones, and your vehicle, in case something happens on the road.

Are you insured by Gainsco?

What can you say about their service and policies?

What do you think is the most important thing to look for in auto insurance?

Let us know your thoughts in the comments section below!

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