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GAINSCO Auto Insurance Review (2025)

GAINSCO, a subsidiary of State Farm, offers non-standard coverage to high-risk drivers in 17 states.

UPDATED: Dec 23, 2024Fact Checked
Home › Companies › How to Choose an Auto Insurance Company

Written by:

Laura Kuhl

Managing Editor

Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. She curated news articles and insider interviews with investors and small business owners, leading to conversations with key players in the le...

Full Bio →
Written by Laura Kuhl

Managing Editor

Reviewed by:

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Full Bio →
Reviewed by Brad Larson

Licensed Insurance Agent

UPDATED: Dec 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Dec 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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UPDATED: Dec 23, 2024Fact Checked
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GAINSCO Auto Insurance

Average Monthly Rate For Good Drivers

$166

A.M. Best Rating:

A-

Complaint Level:

High

Pros

  • Coverage for high-risk drivers
  • SR-22 form filings
  • A website that offers online quotes and allows customers to make payments
  • Over 7,000 independent insurance agents
  • A helpful mobile app
  • Bilingual assistance for Spanish speakers

Cons

  • A significant number of customer complaints
  • A website that does not offer details on coverage options
  • Limited availability
[su_box title="Things to Remember" style="default”]
  • GAINSCO is a subsidiary of State Farm Insurance Company
  • GAINSCO offers non-standard car insurance coverage to high-risk drivers
  • The company has received a significant number of customer complaints
[/su_box] There are a lot of options when it comes to car insurance. But if you’re a high-risk driver, you may find it challenging to find proper coverage. While certain companies won’t offer coverage to high-risk drivers, GAINSCO Insurance offers standard coverage options to people with bad driving records. As you search for the best car insurance companies in your area, GAINSCO could be an excellent option. The company files SR-22 forms and offers online quotes to potential customers. Unfortunately, GAINSCO is only available in 17 states and does have a significant number of customer complaints.

There are a lot of options when it comes to car insurance. But if you’re a high-risk driver, you may find it challenging to find proper coverage. While certain companies won’t offer coverage to high-risk drivers, GAINSCO Insurance offers standard coverage options to people with bad driving records.

As you search for the best car insurance companies in your area, GAINSCO could be an excellent option. The company files SR-22 forms and offers online quotes to potential customers.

Unfortunately, GAINSCO is only available in 17 states and does have a significant number of customer complaints.

What You Should Know About Gainsco Auto Insurance

GAINSCO has an A- (Excellent) financial strength rating with A.M. Best. However, according to the National Association of Insurance Commissioners (NAIC), GAINSCO policyholders have filed many complaints against the company.

Based on the GAINSCO insurance reviews, GAINSCO policyholders are unhappy with the company’s customer service, the speed with which the company issues insurance payments, and the overall process for filing claims.

If you’re considering purchasing a policy with GAINSCO, you may want to read a few GAINSCO car insurance reviews ahead of time to hear customer opinions.

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Gainsco Auto Insurance Coverage Options

GAINSCO offers coverage that meets each state’s minimum requirements. These coverage options include:

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection
  • Medical payments

GAINSCO also offers the following add-on coverage options:

  • SR-22 form. If your state requires you to show proof of financial responsibility, you may have to file an SR-22 form. Not all insurance companies will do this, but GAINSCO offers this coverage via State Farm’s SR-22 insurance.
  • Non-owner insurance. If you regularly drive someone else’s car, non-owner coverage offers liability protection so you don’t have to pay for repairs out of pocket.

While State Farm does offer SR-22 coverage, the company may decline to file a form on your behalf. This is why many people decide to pursue coverage with GAINSCO instead of one of the larger companies.

GAINSCO essentially uses a State Farm SR-22 form, as State Farm is GAINSCO’s parent company. Still, GAINSCO is more likely to offer coverage to individuals with a DUI or another significant violation on their driving record.

Unlike many other auto insurance companies, GAINSCO does not offer many coverage options. Therefore, if you are not a high-risk driver and you don’t need an SR-22 filing, you may want to look elsewhere for coverage.

Gainsco Auto Insurance Rates Breakdown

Rates for GAINSCO car insurance vary based on several factors such as age and gender. State Farm, GAINSCO’s parent company, offers some of the cheapest rates for minimum coverage compared to other big names in auto insurance.

The table below shows how GAINSCO (State Farm) stacks up to the competition.

GAINSCO vs. Competitors: Minimum Coverage Auto Insurance Average Rates From Top Providers

Insurance CompanyMonthly Rates
Allstate$61
American Family$44
Farmers$53
GAINSCO$35
Geico$30
Liberty Mutual$67
Nationwide$44
Progressive$39
State Farm$33
Travelers$38
USAA$22
U.S. Average$45

Compare RatesStart Now →

And State Farm’s full coverage rates are also one of the cheapest among many of the well-known options in the U.S.

See below how State Farm compares to other top auto insurance companies.

State Farm vs. Competitors: Full Coverage Auto Insurance Average Rates From Top Providers

Insurance CompanyMonthly Rates
Allstate$160
American Family$117
Farmers$139
GAINSCO$91
Geico$80
Liberty Mutual$174
Nationwide$115
Progressive$105
State Farm$86
Travelers$99
USAA$59
U.S. Average$119

Compare RatesStart Now →

Still, GAINSCO rates will likely be more expensive than those with State Farm or many other companies because of the risk associated with non-standard coverage.

How does your driving history affect your GAINSCO rates?

Your driving history plays a vital role in determining your rates with any insurance company. GAINSCO’s offers competitive rates for high-risk drivers with a not-so-stellar driving record.

You can get an idea of how much you might pay after a speeding ticket by comparing the top insurance companies’ rates below.

GAINSCO vs. Competitors: Auto Insurance Monthly Rates for Drivers With a Ticket

Insurance CompanyOne TicketClean Record
Allstate$188$160
American Family$136$117
Farmers$173$139
GAINSCO$163$91
Geico$106$80
Liberty Mutual$212$174
Nationwide$137$115
Progressive$140$105
State Farm$96$86
Travelers$134$99
USAA$67$59
U.S. Average$147$119

Compare RatesStart Now →

Rates for drivers involved in an accident will also be higher than those with a clean record. See rates from the top insurance companies below to learn what you can expect.

GAINSCO vs. Competitors: Auto Insurance Monthly Rates for Drivers With an Accident

Insurance CompanyOne AccidentClean Record
Allstate$225$160
American Family$176$117
Farmers$198$139
GAINSCO$188$91
Geico$132$80
Liberty Mutual$234$174
Nationwide$161$115
Progressive$186$105
State Farm$102$86
Travelers$139$99
USAA$78$59
U.S. Average$173$119

Compare RatesStart Now →

If you have a DUI on your record, you’ll definitely pay more for insurance and many insurers will refuse to cover you at all. But we’ve put together a list of the top insurance companies that do offer DUI insurance.

GAINSCO vs. Competitors: Full Coverage Auto Insurance Monthly Rates by Driving Record

Insurance CompanyClean RecordOne AccidentOne DUIOne Ticket
Allstate$160$225$270$188
American Family$117$176$194$136
Farmers$139$198$193$173
GAINSCO$91$188$228$163
Geico$80$132$216$106
Liberty Mutual$174$234$313$212
Nationwide$115$161$237$137
Progressive$105$186$140$140
State Farm$86$102$112$96
Travelers$99$139$206$134
USAA$59$78$108$67
U.S. Average$119$173$209$147

Compare RatesStart Now →

You can go to the company’s website and get a quote to learn how much you would pay for GAINSCO auto insurance coverage. However, before you make any final decisions, compare your GAINSCO insurance quote to quotes from other companies in your area.

Gainsco Auto Insurance Discounts Available

GAINSCO offers several options for people to save money with auto insurance discounts, including:

  • Auto-pay
  • Paid-in-full
  • Homeowners
  • Multi-car
  • Loyalty
  • Early signing

Discounts can help people save as much as 25% on car insurance. You can ask a GAINSCO representative how much you could save using the company’s discount options.

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Frequently Asked Questions

What is GAINSCO Auto Insurance?

GAINSCO Auto Insurance is a company that provides auto insurance coverage to individuals and businesses. They offer a range of policies, including liability, comprehensive, collision, and uninsured/underinsured motorist coverage.

What types of vehicles does GAINSCO insure?

GAINSCO provides insurance coverage for a variety of vehicles, including cars, trucks, motorcycles, and recreational vehicles (RVs).

How can I get a quote from GAINSCO Auto Insurance?

You can get a quote from GAINSCO by visiting their website or contacting their customer service directly. They will ask for information about your vehicle, driving history, and other relevant details to provide an accurate quote.

What factors can affect my auto insurance premium with GAINSCO?

Several factors can influence your auto insurance premium with GAINSCO, including your driving record, age, location, type of vehicle, coverage limits, and deductible choices.

Can I customize my coverage with GAINSCO?

Yes, GAINSCO offers customizable coverage options to suit your needs. You can choose different limits and deductibles for various types of coverage.

Does GAINSCO offer any discounts on auto insurance?

GAINSCO provides various discounts to policyholders, such as safe driver discounts, multi-car discounts, and discounts for completing defensive driving courses. It’s best to inquire about specific discounts when obtaining a quote.

How do I file a claim with GAINSCO Auto Insurance?

To file a claim with GAINSCO, you can contact their claims department by phone or through their website. They will guide you through the process and help you gather the necessary information and documentation.

What is the customer service like with GAINSCO Auto Insurance?

GAINSCO Auto Insurance aims to provide excellent customer service. They have a dedicated customer support team that can assist with policy inquiries, claims, and other concerns.

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Written by:

Laura Kuhl

Managing Editor

Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. She curated news articles and insider interviews with investors and small business owners, leading to conversations with key players in the le...

Full Bio →
Written by Laura Kuhl

Managing Editor

Reviewed by:

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Full Bio →
Reviewed by Brad Larson

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Gainsco Auto Insurance

2.56 (71 reviews)
1
December 12, 2019

EricD

Horrible experience

My vehicle has been in the shop for 60 days and I haven’t heard anything from the insurance. My adjuster [REDACTED NAME] has not been any help throughout this process. He has called me every three days and threatened to take away my rental vehicle. Gainsco has since stopped paying for my rental and I’m stuck paying for it myself. They said my policy only covered 30 days but more than half of those 30 days have been wasted due to their mistake...
My vehicle has been in the shop for 60 days and I haven’t heard anything from the insurance. My adjuster [REDACTED NAME] has not been any help throughout this process. He has called me every three days and threatened to take away my rental vehicle. Gainsco has since stopped paying for my rental and I’m stuck paying for it myself. They said my policy only covered 30 days but more than half of those 30 days have been wasted due to their mistakes sending checks With the wrong names and for the wrong amount. They have charged my deductible at least twice when it should’ve only been charged once. So because of this it’s left more expenses on my end that I should not have to pay for. It’s been a hassle and a headache throughout this entire process. I just want my vehicle to be fixed and my rental to be paid for during this time. The ball has been dropped since the very beginning. Gainsco also has not paid the towing company that towed my vehicle to the shop and now I’m being harassed for payment. The towing company wants to pick up my vehicle and store it until the insurance pays them. So between dealing with all these unnecessary expenses due to my insurance adjuster I’m also having to deal with the stress. My adjuster won’t allow the body shop to get parts locally so we’re stuck waiting for parts to come in from different places and that is not my fault. I should not have to be paying for a rental vehicle when gainsco has dropped the ball from the beginning. Something really needs to be done about this. I would never reccomend this insurance company to anybody and I would hope nobody has to deal with the things that I’ve had to deal with. This should be a smooth process but they’ve made it very stressful and have caused a ton of additional expenses that have come out of my pocket and shouldn’t have.
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1
December 10, 2019

tr5

unprofessionalism

worst company ever priemiums paid on time when car was vandalized they did not want to answer the phone argumentative with body shop trying to cut corners took forever to pay off
3
October 19, 2019

ZacHorrison

Bad costumer support

I stay dealing with that company 12 month , all that time I contact the costumer support 3 times in 3 times bad costumer support , no reply on Email they reply me the next Day !
1
September 30, 2019

Tulani

DONT DO IT

When you call this company their voice recording says “best customer service” how could you have best customer service when no one answers the phone? I cleaned my whole apartment before i could speak to anyone..i decided to hang up becuase i waited for an hour..worst customer service ive ever dealt with pleAse stay away..RUN AND HIDE
1
August 8, 2019

Letmepostthis

Dont get gainsco insurance!!

Getting the insurance was very easy. Getting someone tio call me back with an address to sent their requested documents....let's just say I'm still waiting for that call back. Insurance was in effect on the 1st and cancelled on the 2nd and the down payment was $65.. Two DAYS ight insurance should of been $1.08 per day, so $2.16 for the 2 days they insured me. REFUND SHOULD BE $62.84!!!!! Nope they want to keep $42.12 for a CANCELLATION FEE!!! I W...
Getting the insurance was very easy. Getting someone tio call me back with an address to sent their requested documents....let's just say I'm still waiting for that call back. Insurance was in effect on the 1st and cancelled on the 2nd and the down payment was $65.. Two DAYS ight insurance should of been $1.08 per day, so $2.16 for the 2 days they insured me. REFUND SHOULD BE $62.84!!!!! Nope they want to keep $42.12 for a CANCELLATION FEE!!! I WAS NOT ROLLS ABOUT ANY CANCELLATION FEE BY ANY OF THEIR CUSTOMER SERVICE. THIS IS WRONG WRONG!!! I will fight to get my FULL refund of $62.84 NOT the $20.72 they want to refund me, in a check NOT put back in my account.
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4
July 31, 2019

Spazz101

The lowest insurance I could find

So far so good the price is not bad it was the cheapest I could find I just cover liability state minimum I haven’t had any issues or claims I should say so all I do is pay the bill customer service has been all right they do not outsource so you could understand the agents.I think after having coverage with them my cost should’ve gone down not up for having absolutely no claims no tickets no accidents. It went Up by a couple of dollars
1
July 17, 2019

Oklamopar

Easy to get insurance very difficult to get refund

The actual process of getting the insurance was fairly easy I did it over the phone and then they emailed me and sign everything on e sign. I was told at the time I got to policy that I could cancel it anytime cuz I still was looking for a better deal on insurance. After less than a week I found insurance for about 50% of the cost of gainsco so I decided to cancel that policy and go with the other insurance company. That's where the problems aros...
The actual process of getting the insurance was fairly easy I did it over the phone and then they emailed me and sign everything on e sign. I was told at the time I got to policy that I could cancel it anytime cuz I still was looking for a better deal on insurance. After less than a week I found insurance for about 50% of the cost of gainsco so I decided to cancel that policy and go with the other insurance company. That's where the problems arose, when I called in to cancel the policy was nothing but one problem after the other. Talk to one person and they would send you to another person. Ever person I talk to at a different way of canceling the policy. I did everything they said to do, but it was always something else that they wanted done. I had used my debit card to make the down payment on the policy and one person told me that after it canceled that money would be refunded on the card number oh, but that is not the case whatsoever. After fighting with them two days on the phone and sending in documents myself and from my new insurance carrier, they told me that they would send me a cancellation letter in the mail and then they would send me a check anywhere from 20 to 30 days in the mail. I use my card it should have been refunded back to my card, now I'm still waiting on a check and we'll see how that goes, but I'm not getting my hopes up too high. I don't have any problem taking your money, but they sure as [REDACTED WORD] don't want to give it back. I would write the easel getting the policy at about a 8 oh, any easier to get the money back at zero. I do not recommend this insurance company at all.
Read More
1
April 28, 2019

AnimeTramp

Turn the over way and run!

I highly recommend people to turn the other way and run! The first time I had them was in 2016-2017. Payments were coming out of my account on time like scheduled. It was when I got pulled over in May I found out I wasn't insured for 5 months and that my license were suspended. So I called them up had a heated discussion with them. I ended up having to pay to have my license reinstated, and I switched to progressive. 4/26/19 I received a letter i...
I highly recommend people to turn the other way and run! The first time I had them was in 2016-2017. Payments were coming out of my account on time like scheduled. It was when I got pulled over in May I found out I wasn't insured for 5 months and that my license were suspended. So I called them up had a heated discussion with them. I ended up having to pay to have my license reinstated, and I switched to progressive. 4/26/19 I received a letter in the mail from department of highway safety and motor vehicles stating a "order of suspension" , low and behold it was Gainsco! "MGA insurance company INC" I haven't been insured with them since 2016-2017. So please tell me why is my license being suspended from such a fraud company when I'm not even insured with y'all? Again FRAUD!!!! Please I beg everyone, don't make this mistake with this company.
Read More
1
February 12, 2019

vanessaclark80

Get another company for full coverage insurance

Do not get a full coverage insurance policy with this company!! If you have to have a claim these people are not for you as a customer at all. They will try to skimp on paying ACV for your vehicle period!!! They have lied particularly [REDACTED NAME] in the Total Loss Claims department. She told my lien holder I said my car had dents in the door when in fact I sent her photos of my vehicle a week prior to accident and day of the accident with no ...
Do not get a full coverage insurance policy with this company!! If you have to have a claim these people are not for you as a customer at all. They will try to skimp on paying ACV for your vehicle period!!! They have lied particularly [REDACTED NAME] in the Total Loss Claims department. She told my lien holder I said my car had dents in the door when in fact I sent her photos of my vehicle a week prior to accident and day of the accident with no dents anywhere on the vehicle. I have been trying to get in touch with the claims representative for 4-5 weeks and have received no response. Please do yourselves a favor and pay more for a serious insurance company that takes care of their clients. I was paying nearly $300.00 a month and this is the service I get. Also, the way they do the Actual Cash Value for a vehicle is insane and very unfair. They will complain about a stain on the carpet. This company is all about getting your money and not wanting to be fair in the slightest. I have asked to speak to someone in a better position to help me with my circumstance and have been duly ignored. RUN AS FAST AS YOU CAN!!!
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5
January 9, 2019

Lbnest11

Nothing bad to say

Everyone we have spoken too has been super nice and understanding! They are knowledgeable and helpful with all concerns
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<h3>State Farm Minimum Average Monthly Rates Based on Age & Gender</h3>
<h3>State Farm Minimum Average Monthly Rates Based on Age & Gender</h3>
<h3>State Farm Minimum Average Monthly Rates Based on Age & Gender</h3>
<h3>State Farm Minimum Average Monthly Rates Based on Age & Gender</h3>