Gainsco scored 4.3/5 for customer satisfaction. Let’s take a closer look at the pros and cons of carrying your
auto insurance
with Gainsco.

Comprehensive Gainsco car insurance review

In 2023,
conducted one of the largest insurance surveys in the nation. Based on the data we collected, Gainsco earned an excellent overall score.

So, is Gainsco a good car insurance company?

Overall, yes!
Of the Gainsco survey reviews that we analyzed here at
, nearly all were positive, meaning this provider scored extremely well.
The good reviews mentioned things like:
  • Excellent customer service
  • Specialty coverage for high-risk drivers
  • Simple claims process
Meanwhile, more negative reviews had complaints about:
  • High base rates
  • High rate increases
  • Limited coverage options
Here’s how Gainsco scored in different categories of
’s survey, along with the industry average for comparison.
Gainsco's rating
Industry average
Cost / Price
Claim Experience
Customer Service
Renewal Experience
To learn more about customers’ experiences with Gainsco, we gathered and analyzed Gainsco’s ratings from other industry-leading companies, like the Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC). Here’s how they scored.
Best score possible
BBB Rating
A.M. Best Rating
iOS App Store Rating
Google Play Store Rating

Gainsco pros and cons

Based on data from our customer satisfaction survey combined with third-party data, the experts at
compiled this pros and cons list for Gainsco auto insurance.
High approval rate for high-risk drivers
Simple claims process
Highly customizable options
Accept most forms of government-issued ID beyond just a driver’s license
Only available in 19 states
Higher than average base rates
Higher than average number of customer complaints

Is Gainsco the right insurance company for you?

According to customer reviews, Gainsco is a good insurance company for drivers who:
  • Have other specialty insurance needs, such as a suspended, expired, or foreign license
  • Value a simple claims process
  • Love customizability
  • Value transparent pricing
Before you settle on Gainsco, though, compare quotes from at least three different providers to make sure you’re getting the best rates. While Gainsco does score well for customer satisfaction, another provider may offer you a better deal based on your driver profile.
Gainsco is also only available in 19 states:
Is Gainsco the right car insurance company for you?
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Is Gainsco car insurance expensive?

On average, Gainsco state minimum car insurance costs drivers $98 per month, while full coverage insurance costs $222 per month on average.
national average
for car insurance is about $77 per month for minimum coverage and $165 per month for full coverage, which makes a Gainsco policy about 26% more expensive.
Remember, however, that car insurance premiums are highly dependent on your personal profile.
Insurance companies calculate premiums
based on several different things, so the rates you’re quoted may be very different from what you see here based on factors like:
It’s up to the insurance provider to decide how they weigh these factors when calculating your rates, meaning different providers will offer different quotes to the same driver.
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Will Gainsco raise your rates?

Like any other insurance provider, Gainsco may choose to raise your rates any time you
renew your policy
—which, we found, 33% of Gainsco customers choose to do. These increases in insurance costs are often due to factors like:
  • A new address
  • New tickets, violations, or accidents
  • A new vehicle on the policy
  • A new driver on the policy 
  • Inflation
However, it’s important to note that insurance rates can change over time regardless of whether or not your driver profile changes.

Does Gainsco resolve claims fast?

Gainsco scores 4.3/5 for customer service which, according to reviews left by Jerry users, is due in part to poor responsiveness to
insurance claims
and other inquiries. 
Based on our data, approximately 33% of Gainsco customers have submitted a claim.

Does Gainsco have good customer service?

When it comes to customer service, Gainsco users are divided. 
users say that Gainsco offers great customer service, including highly responsive representatives, easy communication channels, and speedy, effective problem resolution. Meanwhile, other drivers say that Gainsco’s customer service is exceptionally poor, citing long claims wait times and a lack of responsiveness.

Gainsco car insurance discounts

Depending on which state you live in, you could be eligible for several
car insurance discounts
with Gainsco. These discounts include the following.
Discount name
How to save
AutoPay discount
Enroll in Gainsco’s AutoPay program, which automatically takes your payment via your preferred method each month.
Maintain a B average and a 3.0 GPA or higher in school and save. This discount is only offered to drivers under 25.
Homeowner’s discount
If you own a home, including a mobile home or condo, you’ll qualify for a car insurance discount.
Drivers who can pay for their entire insurance policy upfront will receive automatic savings.
Earn a discount by insuring multiple vehicles under the same Gainsco policy.

Gainsco coverage options

Insurance companies are legally required to provide at least the
minimum coverage
required in your state which, according to their website, is Gainsco’s specialty. This includes:
  • Liability insurance
    : Most states require you to have at least basic liability coverage, which pays for damage you cause to other people in an accident where you are found to be at fault. Almost all of the time, your policy will need to have minimum limits for both
    bodily injury liability
    property damage liability
    . Every Gainsco policy starts with this type of coverage, but experts recommend increasing your coverage limits whenever possible.
  • Personal injury protection (PIP):
    Drivers in
    no-fault states
    like Florida must carry this coverage, which pays for medical expenses, rehabilitation costs, and lost wages for you and your passengers after an accident.
  • Uninsured/underinsured motorist insurance (UM/UIM)
    : Some states require UM/UIM, which protects you if you get into an accident with another driver who either has inadequate insurance coverage or is uninsured.
While state minimum coverage is a good place to start, most drivers need a
full coverage insurance policy
to be fully financially protected in an accident. In addition to state minimum auto insurance coverage, Gainsco offers more protection in the form of:
  • Collision insurance
    : Collision coverage pays to repair or replace your car after a collision. Before this coverage kicks in, however, you’ll have to pay a predetermined deductible.
  • Comprehensive insurance
    : Following damages to your vehicle caused by something other than a collision, your comprehensive coverage will pay for repairs or replacement up to the actual cash value of your car, minus a deductible. 
  • Rental reimbursement coverage
    : This policy add-on will help cover the cost of a rental car after an accident in which your car is damaged.
  • Towing and labor coverage
    : This add-on covers costs associated with vehicle breakdowns, such as towing your car or jumping your battery. 
  • Custom or additional equipment insurance: This optional add-on covers extra aftermarket items that you add to your vehicle, like custom wheels, engine modifications, or body upgrades.
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How do you contact Gainsco?

You can contact a Gainsco agent by calling 1-866-GAINSCO, visiting the Gainsco mobile app on your Apple or Android phone, visiting their website at, or even contacting them via snail mail by addressing a letter to 3333 Lee Parkway, Dallas, TX 75219.

What payment options does Gainsco have?

You can pay for your Gainsco auto insurance policy via cash, check, credit, or debit card.

Does Gainsco work with independent agents?

Yes, Gainsco is one of many providers that work with independent insurance agents. However, note that independent agents do work on commission, and therefore may not offer you the best deal out there.

Meet our experts

Liz Jenson
Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details.
Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.
Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.

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