This is an iconSpecializes in nonstandard insurance
This is an iconOffers discounts for high-risk drivers
This is an iconProvides online quotes


This is an iconA high number of complaints
This is an iconTheir website does not offer coverage details
This is an iconDiscounts are not clearly listed online

Gainsco is a Texas-based auto insurance company offering comprehensive coverage for U.S. drivers. Gainsco is not available in every state, but in states they service, they may be a good option for high-risk drivers. Gainsco specializes in nonstandard insurance, which means low-risk drivers might not experience any benefits in signing up for this company's insurance policies.

How Does Gainsco Auto Insurance Rate?

The Better Business Bureau gives Gainsco an A+ rating for the company overall. However, there are several negative customer reviews indicating that there might be customer service issues.

Customer Satisfaction Rating

Gainsco customers have rated this company 1 out of 5 stars, on average, on their Better Business Bureau page. The majority of the complaints center around billing confusion (misunderstood late fees and policy rate increases) and claims coverage issues.

Financial Strength

Gainsco is owned by parent company MGA Insurance, making their financial backing even stronger. They’re rated as financially stable by AM Best.


Gainsco Insurance Features

Gainsco’s main appeal is its fully individualized policies for high-risk drivers. Gainsco offers flexible coverage options and will work with you to build a completely custom policy.

  • Type of Feature
  • Online Price Quotes
    Need a quote? Gainsco lets you request this online by filling out a few simple fields.
  • Online Bill Pay
    Quickly pay your bill and schedule payments in your online account. You can also view payment history and update your payment method.
  • Online Claims
    File, track and manage your auto claims entirely online, so you know where you are throughout every step of the process.
  • Mobile App
    Manage your policy and make changes all from your smartphone. You can make payments, ask questions and file claims via the app, as well.

Gainsco Auto Coverage

Gainsco focuses on offering the minimum coverage options required by your state, to help you save money on your policy. The following are the types of coverage options you can expect with Gainsco.

  • Type of Coverage
  • Collision
    This is coverage that pays for your car to be repaired or replaced if it’s damaged in an accident. Most states require this insurance.
  • Liability
    If you’re found at fault in a car accident, liability coverage will pay for the driver’s medical bills, hospital stays, lost income and other expenses.

Optional Insurance Features and Coverage

Since Gainsco is a nonstandard insurance company, they also offer new extra insurance coverage options.

  • Type of Option
  • Other
    Non-owner insurance: If you don’t own a car, this policy can protect you from potentially being labeled as a high-risk driver due to a lapse in coverage. SR-22 form: If you’ve been involved in a DUI or other auto violation incident, you might be required to obtain an SR-22 form to show your insurance policy meets the state’s minimum coverage requirements. Gainsco will file this form on your behalf, setting them apart from other high-risk insurance providers.

Other Gainsco Insurance Products

Gainsco does not offer many additional insurance options, but there are two types you might want to look into for bundled discounts.

  • Type of Product
  • Homeowners Insurance
    While Gainsco does not offer their own homeowners insurance policy, they have partnered with Hippo to offer this type of insurance to protect your home and the belongings inside.
  • Renters Insurance
    This type of insurance protects your belongings in case of a natural disaster or theft. Some landlords require tenants to purchase renters insurance.

How to Make a Car Insurance Claim With Gainsco

To file a claim with Gainsco, you can call their customer service number, go online or file through your mobile app.

Contact Gainsco Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


Courtney Johnston is a freelance writer and editor living in Indianapolis. She specializes in finance writing and regularly contributes content on investing, saving, insurance, and real estate.