Editors’ Take:Gainsco auto insurance might be a great option for people in certain states who want to have minimum coverage or are considered high-risk by their insurers. Gainsco is not available in more than half of the U.S. states. It might not suit those who are looking for robust discounts or extensive bundling options.
Gainsco auto coverage at a glance
|
Availability |
Available in 18 states |
|
J.D. Power customer satisfaction ratings |
Not listed |
| Number of claims in 2021 (National Association of Insurance Commissioners). | Not listed |
|
How do I get an insurance quote |
Online, by phone, through the mobile app, or in person with an agent |
|
How do I submit a claim |
You can also call the number. |
Pros
- Specialty coverage for higher-risk drivers
- Options for a six-month policy
- Simple quote process
Cons
- Not available in all states
- Limited Discounts
What you should know about Gainsco auto Insurance
Gainsco Auto Insurance is based in Dallas and specializes in personal auto insurance. State Farm owns Gainsco and sells auto insurance through its subsidiary, MGA Insurance Company.
Gainsco sells auto insurance through independent agents. They offer service in English and Spanish.
Specialty coverage for higher-risk drivers
Gainsco specializes on minimum-limits coverage. Gainsco can offer coverage to customers with expired, suspended or foreign licenses, as well as older models of cars. It also can comply with SR-22 insurance requirements.
Simple quote process
Gainsco makes it easy to get a quote online. It’s easy to get a quote online through Gainsco. You will need to provide information about your vehicle, including the make and model of the car and whereabouts you live. Also, you will need to tell us about your driving record and whether you have insurance coverage. You will also have to tell us if you require SR-22 coverage. Gainsco might even be able to offer lower coverage than non-standard insurers.
Gainsco accepts all government-issued IDs. This includes state IDs and resident cards, high school IDs and work permits, as well as birth certificates.
Not available for every state
Gainsco is an independent agent who sells insurance in Alabama, Arizona Arkansas, Florida Georgia, Georgia, Mississippi, Missouri New Mexico, Ohio Oklahoma, South Carolina and Tennessee.
Gainsco offers Auto coverage
Gainsco is a specialist in minimum coverage. This refers to the minimum car insurance that a driver must have in order to legally drive in a state. The minimum coverage required by each state varies, but it usually covers bodily injury or property damage liability.
Gainsco offers full coverage options that include the following:
Gainsco offers auto insurance discounts for
Although discounts may vary from one state to the next, Gainsco offers some very standard auto insurance discounts.
- Discount on proof of coverage
- Autopay Discount
- Homeowner discount
- Student discount
- Pay-in-full discount
FAQ about Gainsco auto insurance
Is Gainsco insurance legit?
Gainsco claims that Gainsco offers low-cost, minimum-state-minimum auto insurance with flexible payment options. J.D. J.D. The Better Business Bureau has not approved the company.
Who is Gainsco’s auto insurance company owner?
Gainsco was purchased by State Farm in 2020.
How can you get in touch with Gainsco?
Gainsco can be reached at 866-4246726 or visited gainsco.com You can also work with Gainsco’s independent agents. Gainsco’s mobile app is available in the Google Play Store. You can also request a quote and pay your bill.
Are you unsure if Gainsco auto coverage is right for your needs? These are some alternatives.
- State Farm This auto insurer company is highly rated for claims service.
- Progressive Customers who are looking for discounts might want to consider this insurance company.