Editors’ take: Gainsco auto insurance could be an excellent option for those in specific states interested in state-minimum coverage or who are deemed high-risk by insurers. Gainsco might not be suitable for people looking for extensive bundling opportunities or robust discount options.
What you need to know about Gainsco auto insurance
Headquartered in Dallas, Gainsco auto insurance specializes in nonstandard and minimum-limits personal auto insurance. Gainsco is owned by State Farm and sells auto insurance via its subsidiary, MGA Insurance Company.
Gainsco primarily sells auto insurance through independent agents and offers service in both English and Spanish.
Simple quote process
Getting a quote online through Gainsco is pretty straightforward. You’ll have to answer questions about the make and model of your car, where you live, your driving history, and whether or not you already have coverage through another insurer.
Auto coverage offered by Gainsco
Gainsco specializes in state-minimum coverage, or the minimum amount of car insurance a driver must have to legally drive in that state. Minimum-required coverage varies by state but usually includes bodily injury and property damage liability.
FAQ about Gainsco auto insurance
Gainsco claims to provide low-cost state-minimum car insurance and flexible payment options. J.D. Power doesn’t rate Gainsco, and the National Association of Insurance Commissioners doesn’t list the number of customer complaints against the company. The company is also not accredited by the Better Business Bureau.
State Farm bought Gainsco in 2020.
You can call Gainsco directly at 866-424-6726 or visit gainsco.com. Or you can work with one of Gainsco’s independent agents. You can also get a quote or pay your bill via the Gainsco mobile app, available in the Google Play store.