Gainsco Auto Insurance Review
Editorial Credit: Arena Creative

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Gainsco Auto Insurance

Overview and Key Takeaways

Gainsco is headquartered in Dallas and specializes in providing insurance cover to high-risk drivers. The company was founded in 1978 and sells insurance through a subsidiary, MGA Insurance Co. The company sells policies through independent agents in 11 states and through comparison websites.

  • Offers car insurance for all high-risk drivers
  • Available in 11 states
  • More complaints than you would expect for a firm this size
Gainsco Auto Insurance Review

Gainsco Auto Insurance: Rating

Gainsco Insurance scores 3 out of 5 based on a spread of factors including pricing, transparency, discounts, extras, ease of filing a claim, customer satisfaction, and number of complaints.

Gainsco Auto Insurance: Services

As well as standard car insurance, Gainsco also offers:

  • Non-owner insurance: If you don’t own a car yourself, taking out cover can prevent you from being penalized for a lapse in coverage
  • SR-22 forms: Some states require your insurer to file an SR-22 form to prove you have at least the minimum insurance coverage in place. In Virginia and Florida, you need an FR-44 form. Gainsco can file these forms on your behalf, a service not offered by all providers

Gainsco Auto Insurance: Discounts

Discounts for auto insurance with Gainsco include:

  • Automated payment discount
  • Early signing discount
  • Homeowners discount
  • Loyalty discount
  • Multiple car discount

Gainsco Auto Insurance: Complaints

As with many high-risk driver insurance providers, Gainsco Insurance attracts a higher than average number of complaints to state regulators.

Gainsco Auto Insurance: What Else?

The website comes with a detailed FAQ section and also offers a handy glossary of key insurance terms. Existing customers can make claims and payments online.

The mobile app is lean, responsive, and provides robust functionality on your Apple or Android mobile device.

Gainsco Auto Insurance: Pros and Cons


  • Coverage for high-risk drivers
  • Can provide SR-22 forms
  • Online quotes available


  • High number of complaints
  • No coverage details provided on website

Compare Gainsco

Gainsco Auto Insurance Review

Gainsco Auto Insurance Review

As with many high-risk driver insurance providers, Gainsco Insurance attracts a higher than an average number of complaints to state regulators.

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