GAINSCO Auto Insurance Company

Why choose GAINSCO Auto Insurance?

  • Policyholders can login to their online portal to access policy information and make a payment
  • GAINSCO sponsors the successful Bob Stallings Racing Team
  • Headquartered in Dallas, Texas

Did you know...?

  • Customer service, claims & sales representatives are available in both English and Spanish
  • The Better Business Bureau has given them a rating of A+
  • There are a range of discounts available, whatever your background
  • Versión en Español
  • Customer Service: 866-GAINSCO (866-424-6726)
  • Claims: 866-GAINSCO (855-424-6726)
  • Gainsco Insurance, 3333 Lee Parkway, Suite 1200, Dallas, TX 75219


Headquartered in Dallas, GAINSCO specializes in minimum-limits personal auto insurance and non-standard policies. GAINSCO sells policies through a network of independent agents and car insurance comparison platforms, such as It also offers bilingual customer service to effectively serve Spanish-speaking customers.

Car insurance operations are conducted through MGA Insurance Company, Inc. They also deal in automotive sales and service, as well as auto racing and investments.

So, is GAINSCO the right choice for you? Let’s find out.


Review Platform


Clearsurance 2.3/5 – 56 reviews
Birdeye 4.9/5 – 1,208 reviews
Glassdoor 4/5 – 76 reviews

What do actual customers say about GAINSCO? At first, they seem to be just average in customer satisfaction, with a 2.3/5 score on Clearsurance, a top site for insurance-related user reviews. Take time to read a few of these reviews, however, and you realize the original score may be a little harsh. Many longtime customers praise their low prices for high-risk drivers and their fast claims processing. A few customers criticize the company’s customer service and website, which they say lacks functionality.

Their own employees generally like working there. The company has 4 out of 5 stars on Glassdoor.

All in all, GAINSCO has a good reputation, especially for an insurer that specializes in nonstandard policies.

How much does GAINSCO cost?

So, if price is the #1 reason many people choose GAINSCO, you naturally want to know, How much does it cost? That’s tough to answer, because auto insurance rates vary dramatically depending on key factors, such as your driving record, your coverage levels, and your demographics, such as age, gender, and marriage status.

However,’s data can give you a rough idea of how much people in different states pay, on average, for GAINSCO insurance.

State Single Car Multi Car
AL $48 $86
AZ $77 $114
FL $138 $220
GA $119 $188
NM $68 $111
OK $92 $119
SC $106 $184
TN $60 $109
TX $83 $134
UT $89 $147
VA $84 $126

To find out if you’ll pay more or less than average, try a free quote comparison. See how GAINSCO compares to more than 60 of the country’s top carriers: enter your ZIP code to get started.

Find out if GAINSCO is right for you

How much can I save?

They don’t really advertise their discounts, but there are several available to customers looking to save money.



Homeowner Discount Save money if you own a home, mobile home, condo or townhome
Advance Purchase Discount Sign up for a new policy three or more days before your current one expires, and you’ll get an extra discount
Prior Coverage Discount Save when you show proof of insurance
Prior GAINSCO Coverage Returning customer? You get a discount.
Renewal Discount Renewing your policy? More savings for you.
Multi-Car Discount Insure multiple vehicles and save
Auto-Pay Discount Save money by enrolling in automatic payments
Pay-in-Full Discount Get additional discounts by paying your policy in full
Length of Ownership Save more if you’ve had your vehicle for a while

Where does GAINSCO offer coverage?

GAINSCO operates in 11 primarily southern states: Alabama, Arizona, Florida, Georgia, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Virginia. It maintains two offices: its Dallas headquarters and a satellite office in Florida.

Is GAINSCO right for me?

Now that we’ve covered the basics — their average rates, reviews and discounts — you may be wondering, “Are they the right carrier for me?”

That depends on a few factors. You should consider GAINSCO insurance if you match any of the categories below:

  • You have a not-so-great driving record, and you really need an affordable policy
  • You have a past DUI, or are otherwise a high-risk driver
  • You need an SR-22
  • You need non-owner’s car insurance
  • You’re looking for state-minimum car insurance

If none of these situations reflect your life, then you may want to look elsewhere for car insurance. Luckily, makes it easy! Find the best and most affordable option by comparing quotes from more than 60 of the country’s top providers. Start now by entering your ZIP code.

Compare GAINSCO against over 60 of the nation’s top carriers


  • How do I file a claim with GAINSCO?

Call 1-866-GAINSCO to file a claim, in English or Spanish. Have your policy number handy, as well as the name of your agent.

  • How do I change or cancel my GAINSCO policy?

To change, renew or cancel your policy, or reinstate policies that have lapsed, you’ll need to speak with your local agent.

  • Why does GAINSCO sell policies through independent agents?

They say their independent agents serve as trusted advisors. Your local agent is an expert who can provide you with all the information you need to make the best decision for yourself and your family. First, however, you should get a quote through

  • Does GAINSCO have a mobile app?

GAINSCO does have a free app that allows you to make payments and file a claim, but reviews are mixed when it comes to the app’s functionality.

  • Does GAINSCO offer bilingual customer service?

Yes! That’s one of the company’s strong points; they tout their Spanish-speaking customer service and claims agents.

You may know them from…


The Dallas-based carrier may be best known for its long partnership with Bob Stallings Racing, which had a 12-year history of racing the No. 99 Red Dragon sportscar in Grand Am, IMSA and the Pirelli World Challenge.

The Red Dragon also traveled the southern United States as a show car until 2019.

“The race car provides a symbol of excellence and performance that reflects our company’s commitment to those same ideals,” company SVP Andy Jordan said.

It was emblazoned with the company’s slogan, “Are You Driven?”

GAINSCO on Social Media

You’ll find GAINSCO on Facebook, Twitter, Instagram, LinkedIn and YouTube.

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