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Last updated: May 13, 2024

GAINSCO Insurance Review 2024

GAINSCO offers auto insurance for high-risk drivers who may struggle to find coverage elsewhere, but its customer service scores are low.

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Looking for minimum coverage as a high-risk driver? Today I’m reviewing GAINSCO, which specializes in minimum coverage, customizable auto insurance, and SR-22s for high-risk drivers.

As a staff writer for, I look at several factors when I’m reviewing a provider, such as average cost, available discounts and coverage options, quote experience, and customer satisfaction data. Additionally, I’m interested in non-owners insurance, and in my experience, many insurance providers do not provide non-owners policy quotes through their website. I decided to put GAINSCO’s customer service experience to the test.

In addition to GAINSCO, we’ve also reviewed dozens of carriers, including the best auto insurance for drivers with a bad record and the best cheap auto insurance.

Quick Look: GAINSCO Pros and Cons


  • Affordable minimum coverage policies

  • Customizable insurance plans

  • Offers SR-22s


  • Higher rates for drivers with a clean record

  • Available in only 19 states

Who Is GAINSCO Auto Insurance Best For?

  • High-risk drivers: First and foremost, GAINSCO specializes in insuring higher-risk drivers and those seeking SR-22 coverage; in fact, the company was founded specifically for this reason.
  • Spanish speakers: GAINSCO offers bilingual customer support, making the company a good option for those more comfortable conversing in Spanish.
  • Drivers of older vehicles: GAINSCO is best for minimum coverage, which excludes comprehensive and collision. Drivers of older vehicles may not actually need these coverages because the cost of the premiums may exceed the vehicle’s value

Where is GAINSCO available?

Purchased by State Farm in 2021, GAINSCO offers policies that are underwritten by MGA Insurance company. While GAINSCO is currently available in only 19 states, its business has expanded and availability may continue to grow. As of now, GAINSCO is available in:

  • Alabama
  • Arizona
  • Arkansas
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Mississippi
  • Missouri
  • New Mexico
  • Ohio
  • Oklahoma
  • Oregon
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Wisconsin

Why I’d Like to Learn More About GAINSCO Insurance

I don’t own a car, but I do rent them fairly regularly; recently, I’ve become more interested in purchasing a non-owners policy. GAINSCO specializes in nontraditional policies, so I set out to learn more about their insurance offerings for non-owners.

Additionally, while I don’t need an SR-22, there are several reasons why drivers with an SR-22 might need non-owners insurance. If you’re required to file an SR-22 but no longer own a car, you need a non-owner policy in order to show you meet the state’s minimum auto insurance requirements. This may be essential to get your license reinstated and avoid further penalties.

How Much Does GAINSCO Car Insurance Cost?

As with any insurer, the exact cost of your policy will depend on your age, ZIP code, driving history, and chosen coverages.

A full coverage policy from GAINSCO costs on average $2,221 per year, which is around $250 higher than the national average. Its minimum coverage also typically comes in about $300 more than the national average at $800.

Still, GAINSCO’s above-average premiums are not all that surprising, given that auto insurance policies for high-risk drivers are typically more expensive. If you fall into a high-risk category, GAINSCO may offer a more affordable option than other providers.

Company Average annual premium for full coverage Average annual premium for minimum coverage
National average $1,924 $547
AAA $2,211 $894
Allstate $2,639 $597
American Family $1,785 $713
Erie $1,495 $483
Farmers $2,320 $634
GAINSCO $2,221 $800
GEICO $1,572 $413
Nationwide $1,805 $613
Progressive $1,891 $481
State Farm $1,697 $482

Those interested in coverage from GAINSCO should either use the online quote tool or call customer service for a quote specific to them and their insurance needs.

How You Can Save on Your Policy With Gainsco

Though GAINSCO offers fewer discounts compared to some other insurance providers, there are still several ways to save on your GAINSCO policy.

  • Autopay discount: Signing up for GAINSCO’s auto pay program will result in lower premiums.
  • Multi-car discount: GAINSCO rewards customers who insure more than one vehicle on a policy.
  • Prior coverage discount: Get a discount if you have four continuous months of prior auto insurance coverage, with a less than 60-day coverage lapse before your GAINSCO policy goes into effect.
  • Homeowners discount: Like many insurance providers, GAINSCO offers a discount to homeowners.
  • Advance purchase discount: Purchasing your GAINSCO policy three to 30 days before the policy goes into effect qualifies customers for the advance purchase discount. This puts existing customers whose policies are up for renewal at a savings advantage.
  • Pay-in-full discount: Customers who pay in advance for their auto policy are eligible for a discount.


Looking for ways to lower the cost of auto insurance? In addition to applying discounts, consider increasing your deductible or adjusting your coverage levels.

My Experience Getting a Quote With GAINSCO

As someone who rents cars frequently, I was curious if I might be able to get a non-owners quote from GAINSCO. It was clear to me, however, from a helpful infographic on GAINSCO’s website that one of the company’s limitations is its limited availability.

Find affordable coverage in these states

GAINSCO appeared not to offer insurance at all in Massachusetts, which is where I live. Still, to thoroughly review GAINSCO’s auto insurance offerings, along with its customer service experience, I wanted to learn more about its non-owners policies in other states.

The company provides the option to call an agent, and the number is highlighted very clearly on the landing page of its website.


Working directly with your local GAINSCO agent can improve your chances of having a positive customer service experience.

I called the number at the bottom of GAINSCO’s website. After several minutes on hold, I was asked the reason for my call. I was put on hold again and then asked if I had used the online quote tool. It appeared from the website that this tool cannot be used for a non-owners policy, which I explained.

After collecting some of my details (marital status, homeownership status, information on any vehicles registered to my home address) the customer service rep confirmed that non-owners policies are not offered in Massachusetts. The customer service agent was not able to give me any information on where GAINSCO does offer non-owners policies, or potential leads for other non-owners policies in my state (I asked). But the call was efficient.

If I ever need to look for a traditional auto insurance policy, I’d be pleased to use GAINSCO’s online Get a Quote tool, which is clean and easy to navigate (though it did occasionally switch between English and Spanish for some of the questions).

Get a Gainsco Quote

Interestingly, every state is listed in the drop-down menu of the GAINSCO quote page, despite GAINSCO’s limited availability, rather just the states where GAINSCO is available. Somewhat frustratingly, potential GAINSCO customers may complete the whole quote assessment before being told GAINSCO is not available in their state.

A quote tool on a different page of the website, however, immediately let me know that GAINSCO auto insurance is not available in my state and provided a link to get quotes from Experian and Progressive. I appreciated the time-saving nature of this feature.

Gainsco Quality Car Insurance That Fits Your Needs

Gainsco Quote Not Available


Before going through the online quote process with a smaller insurer, double-check that it provides coverage in your state.

What Types of Auto Insurance Coverage Does GAINSCO Offer?

GAINSCO specializes in minimum coverage, which is mandated by almost every state (New Hampshire and Virginia being the exception). Required coverages and limits vary from state to state but almost always include bodily injury and property damage liability, which help pay for the other party’s injuries and damages if you’re at fault in an accident. Some states also require uninsured motorist coverage and medical payments/personal injury protection.

In addition to minimum limits coverage, GAINSCO offers:

  • Collision coverage: Covers damage caused to your vehicle in a collision, regardless of who is at fault
  • Comprehensive coverage: Includes any damage or loss of vehicle that may occur as a result of something other than a collision; for example, fire, extreme weather, and vandalism.
  • Rental reimbursement: Covers a daily set amount for replacement rental car while your car is being repaired (requires collision and comprehensive)
  • Roadside assistance: Coverage toward services if your car breaks down, like towing, tire changes, and jump-starts


Unlike many other auto insurance providers, GAINSCO does not provide additional insurance policy types, such as homeowners insurance and renters insurance. Unfortunately, there’s no option to save with GAINSCO by bundling multiple insurance plans.

GAINSCO: Customer Satisfaction Data

Because GAINSCO is a smaller insurer, less data is available on customer satisfaction rates. Still, according to CRASH Network’s 2024 Insurer Report Card — which surveys collision repair shops on how well insurance companies guarantee quality repairs and customer service for drivers — GAINSCO’s level of customer satisfaction is below the national average. Its D+ grade ranks it 81 out of 88 insurers reviewed.

The Better Business Bureau has awarded GAINSCO 1 out of 5 stars on its customer review index, based on how likely a company is to interact with its customers. That said, insurance companies typically have low scores from the BBB, in my experience.

While customer service may be lacking, GAINSCO rates well in terms of financial strength. In 2021 AM Best upgraded GAINSCO’s financial score rating from a B++ to an A-, which puts GAINSCO at an excellent rating.

Category GAINSCO rating/score
J.D. Power Claims Satisfaction1 Data not available
AM Best2 A- (excellent)
NAIC3 Data not available
Crash Network4 D+ — Well Below Average
Better Business Bureau5 1 out of 5 stars — Below Average


Customers who do not want to use the app or reach out to customer service via phone can email GAINSCO at When it comes to customer service, GAINSCO does have a slightly less-than-stellar reputation, so those who value being able to quickly speak with a live agent may want to look elsewhere.

Filing a Claim With GAINSCO

To maximize your chances of a smooth claim filing, Gainsco suggests not to leave the scene of the accident, report the claim immediately at 1-866-GAINSCO, and, if possible, take photographs of the accident scene and any damage to vehicles. You should not admit fault or discuss insurance coverage.

Once a claim has been filed, policyholders can track progress and updates through the online GAINSCO customer portal. Photographs of vehicle damage caused by an accident can easily be uploaded directly to the app.

GAINSCO’s Website and Mobile App

In addition to its online customer portal and online quote tools, GAINSCO has an app for both Android and iOS, called the GAINSCO Quick Estimate app. The iOS app is rated 3 out of 5 stars, and the Android app is rated 4.2 out of 5 stars.

While iOS users can only file claims via the GAINSCO app, Android users can manage their entire account. Through the GAINSCO quick estimate app, Android users may:

  • Request a quote
  • Report a claim
  • Make a payment
  • Request a payment
  • Contact GAINSCO
  • Access latest company news

Android users report this app is efficient and easy to use, particularly for filing a claim.

Gainsco Quick Estimate

Frequently Asked Questions

Is GAINSCO Insurance reputable?

Though customer satisfaction data indicates GAINSCO offers a lower-than-average customer service experience, for high-risk drivers, those looking to insure an older vehicle, or those looking for non-owners insurance, GAINSCO can be a great choice for auto insurance.

Who owns GAINSCO Insurance?

As of 2021, GAINSCO Insurance is owned by State Farm.

What is the grace period for GAINSCO auto insurance?

GAINSCO doesn’t typically offer grace periods. Instead, any grace period that policyholders are entitled to will be based on their state’s laws. Any grace period offered through GAINSCO will be indicated on your policy documents.

How do I get my policy documents from GAINSCO?

Android users can retrieve their policy documents using the GAINSCO app: Click Your Account to access the documents. Policy documents can also be accessed by calling a local GAINSCO agent, logging in to the company website, or calling the general customer service line at 1-866-424-6726.

Methodology: How We Review Insurance Companies

We base our reviews of the following:

  1. Pricing and coverage: We analyze company affordability, based on the competitiveness of a company in relation to the coverage offered, along with any discounts it may offer.
  2. Customer experience: We use our firsthand knowledge and experiences as auto insurance customers to offer insight into each provider we review. This includes the shopping process and ease of engagement.
  3. Claims handling: We use third-party data, customer feedback, and our own experiences to analyze and evaluate the primary service of any insurance company: claims fulfillment.
  4. Industry ratings and reviews: We evaluate customer satisfaction, complaint records, and financial strength based on information provided from independent agencies.
  5. Digital tools and technology: We review and evaluate online tools, such as websites, mobile apps, and online account management, based on functionality and ease of use.


  1. Auto Insurers Manage Customer Expectations as Repair Cycle Times Double in Two Years, J.D. Power Finds. J.D. Power. (2023, Oct 26).

  2. AM Best Upgrades the Financial Strength Rating of GAINSCO Auto Insurance®. GAINSCO. (2021, Jun 23).

  3. How to File a Complaint and Research Complaints Against Insurance Carriers. National Association of Insurance Commissioners. (2022, Sep 1).

  4. Top Rated U.S. Car Insurance Companies for 2024. Crash Network. (2024).

  5. GAINSCO, INC. Better Business Bureau. (2024).