Gainsco Insurance: Essential Guide for Smart Policyholders

Discover how Gainsco Auto Insurance through A Plus Insurance can offer you unparalleled value and security. Contact us now for a free quote and see the difference for yourself.

What Makes Gainsco Insurance Stand Out in the Auto Insurance Market?

Gainsco Insurance specializes in providing flexible auto insurance options that cater to a diverse range of drivers, including those in need of SR22 insurance, full coverage, or just liability only policies. Their commitment to personalized policy service and competitive rates makes them a standout choice for vehicle owners seeking tailored insurance solutions. Unique to Gainsco, their ability to offer customized coverage options, including for high-risk drivers, sets them apart in the auto insurance landscape. This adaptability ensures that every driver can find a policy that meets their specific needs, making Gainsco Insurance a preferred provider among those looking for comprehensive protection and peace of mind.

Additionally, Gainsco’s emphasis on customer service and speedy claims processing offers an unparalleled policy service experience, ensuring that clients receive the guidance and support they need when they need it. This focus on customer satisfaction, combined with their competitive pricing, solidifies Gainsco’s position as a top choice for auto insurance.

Insurance Rate Comparison Chart:

Insurance CompanyAverage Monthly Rate (Liability Only)Average Monthly Rate (Full Coverage)
National General$60$150
Bristol West$65$160
  • Gainsco Insurance offers competitive rates for both liability only and full coverage options, making it a cost-effective choice for many drivers.
  • The table showcases Gainsco’s affordability compared to other insurance carriers, highlighting its value in the auto insurance market.

By choosing Gainsco Insurance, drivers can enjoy the benefits of flexible coverage options, exceptional policy service, and competitive rates, ensuring that they receive quality protection and guidance at a price that fits their budget.

How Can Gainsco Insurance Enhance Your Coverage?

Choosing Gainsco Insurance can significantly enhance your auto insurance coverage by offering tailor-made solutions that cater to your unique driving needs and preferences. With Gainsco, you’re not just getting a standard policy; you’re gaining access to a suite of customizable coverage options, from SR22 insurance to full coverage and liability only policies. Their flexibility allows you to create a protection plan that aligns perfectly with your lifestyle, ensuring that you have the right amount of coverage without overpaying. This personalization aspect of Gainsco Insurance underlines their commitment to providing value and security to their clients.

Moreover, Gainsco stands out with their competitive rates and discounts, such as multi-policy savings and military discounts, which can further enhance your coverage while keeping costs low. Their dedication to accommodating a wide range of insurance needs with affordability and comprehensive protection makes them a prime choice for vehicle owners across various states.

Coverage Enhancement Comparison Chart:

Insurance CompanyCustomizable Coverage OptionsAverage Savings with Multi-Policy Discounts
GainscoHighUp to 15%
ProgressiveModerateUp to 10%
DairylandModerateUp to 8%
National GeneralHighUp to 12%
Bristol WestLowUp to 5%
  • Gainsco Insurance offers a high level of customization in their coverage options, allowing clients to tailor their policies to their exact needs.
  • The chart highlights Gainsco’s superior savings potential through multi-policy discounts compared to other insurers, emphasizing its value in enhancing your auto insurance coverage.

Through Gainsco Insurance, you can secure a policy that not only meets your coverage needs but also respects your budget, ensuring that you and your vehicle are protected at all times.

How Does Gainsco Insurance Support High-Risk Drivers?

Gainsco Insurance is a beacon for high-risk drivers seeking comprehensive auto insurance. Their approach to insurance coverage includes offering specialized policies such as SR22 insurance, which is often required for drivers with violations or accidents on their records. Gainsco understands the challenges faced by high-risk motorists and provides a path to not just insurance, but also a chance at rehabilitation in terms of driving history. Their policies are designed to offer peace of mind, ensuring that drivers can obtain the coverage they need without facing exorbitant costs. This makes Gainsco an ally for those needing extra support and guidance.

Moreover, Gainsco distinguishes itself by underlining flexible payment options and discounts for drivers who improve their driving records over time. Their commitment to supporting high-risk drivers extends beyond just insurance rates; it’s about providing a lifeline to those who are working to improve their driving habits and, subsequently, their insurance premiums.

High-Risk Driver Support Comparison Chart:

Insurance CompanySR22 Insurance SupportDiscounts for Improvement
National GeneralYesYes
Bristol WestYesNo
  • Gainsco offers comprehensive support for high-risk drivers, including SR22 insurance and incentives for drivers to improve.
  • The chart illustrates Gainsco’s commitment to helping high-risk drivers navigate the insurance landscape, providing them with opportunities to lower their premiums through better driving.

By choosing Gainsco Insurance, high-risk drivers not only secure necessary coverage but also gain a partner in their journey towards becoming safer, more responsible motorists.

What Are the Benefits of Choosing Gainsco Insurance for Your Vehicle?

Choosing Gainsco Insurance for your vehicle comes with numerous benefits that cater to a wide range of drivers. Firstly, Gainsco stands out with their competitive insurance rates, offering both affordability and value. Their auto insurance policies, including options for full coverage, liability only, and SR22 insurance, are designed to meet the diverse needs of vehicle owners. Whether you’re a standard driver or require high-risk coverage, Gainsco provides policies that ensure you’re protected on the road. Their flexible payment options and multi-policy discounts further enhance the appeal, making Gainsco an excellent choice for those looking to optimize their insurance expenditures.

Moreover, Gainsco is renowned for its exceptional customer service and policy service, offering guidance and support through every step of the insurance process. From obtaining an insurance quote to filing a claim, Gainsco ensures a smooth and straightforward experience, underlining their commitment to their clients’ satisfaction.

Vehicle Insurance Rate Comparison:

Insurance CompanyAverage Monthly Rate (Liability Only)Average Monthly Rate (Full Coverage)
National General$55$140
Bristol West$49$145
  • Competitive rates and discounts for multiple lines of coverage.
  • High-quality customer and policy service, ensuring a positive experience.

By opting for Gainsco Insurance, vehicle owners benefit from tailored insurance solutions, affordability, and a customer-first approach, making it a preferred choice for those seeking reliable and comprehensive vehicle insurance coverage.

Gainsco Contact Information

Gainsco Insurance Customer Service


Gainsco Insurance website

Click Here

Gainsco Insurance Claims Department


Gainsco Insurance has been in business for 44 years, founded in 1978. Gainsco was orginailly purchased by State Farm. Gainso Insurance does operate separately, independently from State Farm. Gainsco Insurance offers low priced laibility only policies in 14 different states. For high risk drivers that require an SR-22 for accidents, or DUI’s, Gainsco Insurance may be a great option for you.

You are able to get a free quote with on of our agents on auto insurance with Gainsco.


  • Offers great rates for high risk drivers
  • Offers SR-22 filings
  • Offers online quotes
  • Available in 14 states
  • Mobile app
  • Offers a helpful FAQ section on website for customers

What coverage does Gainsco Insurance offer?

CoverageWhat this Coverage ProtectsIs Coverage Required?
Liability coverage- bodily injury and property damageCosts for injuries, a death, or property damage you are at fault for. This is typically required.
Uninsured and underinsured motorist coverageMedical cost, and property damage costs after an accident with an uninsured driver or underinsured driver. Depends on the state you reside in.
Collison coverageCovers losses such as fire, theft, hail, breakage of glass, impact with an animal.A car dealership, or leinholder may require it.
Comprehensive coverageCover losses such as impact with another vehicle, or an object, such as a fence or a tree. A car dealership, or leinholder may require it.
Gainsco Insurance also offers roadside assistance, and rental car reimbursement on policies carrying full coverage. Gainsco does not offer coverage above state minimum limits for the states it operates in. Deductible amounts to choose from for comprehensive and collision are between $250-$1,000.

Gainsco Insurance Discounts

The amount of discounts Gainsco offers is a short list in comparison to other larger insurers. There are no discounts for smart technology, good student, paperless, safe driving, or military discounts.

  • Autopay discounts- via a checking account, credit or debit card.
  • Pay-in-full discount
  • Prior insurance discount
  • Prior Gainsco coverage discount
  • Advance quote/purchase discount
  • Loyalty discount
  • Renewal discount
  • Multicar discount

Gainsco Ratings and Reviews

Gainsco Insurance was given a rating of an A (Excellent) from AM best for their specific ability to pay out claims in a timely manner. negative reviews that were reported to the Better Business Bureau were due to poor customer service, long wait times, and responsiveness to basic questions.

Gainsco offers some perks that are worth considering. Gainsco has over 7,000 independent agents. This means more opportunity to save on your premiums going through an independent agent, or an agency.

In addition, choosing an independent agent means dealing with a specific person for all of your policy needs. Gainsco offers an app available to download via App Store for iPhone, or Google Play for Android.

Gainsco’s website offers helpful tools for online quotes, customer service, some frequently asked questions, and the ability to make your payments online. Gainsco tailors to the spanish speaking community as well. Bilingual agents are available upon request.

Frequently Asked Questions about Gainsco Car Insurance

What types of coverage does Gainsco Car Insurance offer?
Gainsco Car Insurance offers a variety of coverage options including liability only, full coverage, SR22 policies, and insurance for high-risk drivers. Each policy is designed to meet the specific needs of our clients, ensuring comprehensive protection on the road.
How can I get a quote for Gainsco Car Insurance?
To receive a personalized quote for Gainsco Car Insurance, please call us at 1.888.445.2793. Our team will guide you through the options and help you find the best coverage for your needs.
What makes Gainsco Car Insurance unique?
Gainsco Car Insurance stands out for its flexible policy options, competitive pricing, and exceptional customer service. We specialize in accommodating a wide range of driver needs, including those requiring specialized high-risk policies.

Last Updated on by Veronica Moss

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