Gainsco

The Car Insurance Guide

Overall Personalized Rating: 4.5/5 (Excellent)

Summary

Gainsco offers competitive pricing due to their flexible policies and customizable options.

Key Benefits

Quick online quote in 30 seconds
Very competitive rates
Over 20,000 agents nationwide

Ratings Summary

Ratings Highlights

Overall Rating

With over 40 years in business, Gainsco focuses on the non-standard personal auto market, specializing in providing auto insurance to drivers with accidents on record, drivers under 26, and currently uninsured drivers.

Pricing

Gainsco offers competitive pricing, particularly for drivers in the "nonstandard" category -- that is, drivers with blemishes on their record, a patchy insurance history, or young drivers.

Handling Claims

Gainsco has an easy-to-access online portal where claims can be submitted 24/7. Customers can generally expect a quick response.

Uninsured Drivers

Gainsco offers coverage for uninsured drivers, but is better suited to those who are currently insured.

Young Drivers

Gainsco could be a good option for young drivers, depending on your driving record as a whole.

Bundling Auto with Other Insurance Types

Gainsco writes auto insurance only at this time.

Drivers with Tickets/Accidents

Gainsco offers competitive policies for high-risk drivers, and typically has great rates available. Definitely check them out if this applies to you.

Premium Driver

Gainsco focuses more on high-risk drivers, so premium drivers are better off looking elsewhere.

Company Background

Gainsco was established in 1978 and focuses on the non-standard personal auto market. they have over 20,000 agents across the country.

The Car Insurance Guide's Reviews Methodology

The Car Insurance Guide uses a proprietary algorithm to evaluate the car insurance options presented. Factors reviewed and rated include pricing, handling of claims, age of driver, bundling, and driver type. These factors are evaluated and scored to provide an overall score for the carrier as well as being individually assessed to provide a detailed review of the fit of the carrier to the driver. The data comes from research The Car Insurance Guide conducts as an invite-only annual survey and from interviews with car insurance agents. Insights from experts, those whose job it is to understand and recommend the best insurance companies for their clients, is invaluable. Use of The Car Insurance Guide's 2025 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.