How Much Does GAINSCO Car Insurance Cost?

Choosing a car insurance provider can feel overwhelming. If you're considering GAINSCO, a State Farm subsidiary, reviewing its rates will help you determine whether it aligns with your needs. However, we recommend gathering quotes from several providers to ensure you're securing the best value and saving money on your car insurance.

GAINSCO car insurance pricing per month

A full-coverage car insurance policy from GAINSCO averages $228 per month. Drivers who choose minimum liability-only coverage can expect to pay around $107.

Keep in mind these are average figures. Your individual rate will fluctuate based on elements such as age, location, credit score, and driving history. While your actual GAINSCO rate may differ, these averages provide a useful benchmark when evaluating different providers.

	GAINSCO average monthly cost	National average monthly cost
Full coverage	$228	$186
Liability-only	$107	$104

GAINSCO's rates versus other car insurance providers

Each company evaluates risk and applies discounts differently, which affects pricing. Comparing quotes will show you how GAINSCO measures up for your particular circumstances.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$114	$59
Progressive	$182	$106
GEICO	$148	$95
Allstate	$148	$79
USAA	$105	$56
GAINSCO	$228	$107

GAINSCO's rates by age

Age significantly influences GAINSCO's pricing, similar to most insurers. Car insurance for teen drivers carries the highest cost, with full-coverage premiums averaging $437 per month.

Rates generally decline as you enter your 20s, with GAINSCO averaging $281. The downward trend continues through your 30s at an average of $221 and your 40s at $206.

Some of the most affordable rates appear for drivers in their 50s and 60s, with monthly averages around $189 and $190, respectively.

Premiums may increase once you reach your 70s, averaging about $216 per month. This pattern demonstrates how insurers evaluate risk across different life stages.

Age group	GAINSCO average monthly full coverage cost	National average monthly cost
Teens	$437	$360
20s	$281	$242
30s	$221	$199
40s	$206	$191
50s	$189	$177
60s	$190	$159
70s	$216	$162

GAINSCO's rates for high-risk drivers

A record of traffic violations or accidents will typically result in higher rates with GAINSCO. High-risk drivers with a speeding ticket face average monthly costs of $259, while an at-fault accident pushes rates to approximately $283.

The impact of a DUI is even more substantial, with average monthly premiums reaching $337. While these figures reflect typical high-risk pricing, your exact rate depends on factors like the recency of the incident and other rating elements.

Driving record	GAINSCO average monthly full coverage cost	National average monthly cost
Accident	$283	$249
Speeding ticket	$259	$241
DUI	$337	$275

How does your credit score affect your rate with GAINSCO?

Most states incorporate your credit score into insurance rate calculations. The exceptions are California, Hawaii, Massachusetts, and Michigan.

Where credit matters, GAINSCO adjusts pricing according to your credit tier. Drivers with excellent credit average $200 per month, while good credit correlates with rates near $219.

Those with average credit see monthly premiums around $227, and poor credit pushes costs to approximately $280 per month on average.

These figures illustrate how significantly credit affects your monthly premium, though your final price still varies based on other personal characteristics.

Credit score	GAINSCO average monthly cost of full coverage	National average monthly cost
Excellent	$200	$164
Good	$219	$179
Average	$227	$194
Poor	$280	$228

FAQs

What states does GAINSCO operate in?

GAINSCO offers auto insurance coverage in approximately 21 states, with its strongest presence in Texas where the company was founded and maintains its headquarters in Dallas. The company also operates in states including Alabama, Arizona, Arkansas, Florida, Georgia, Illinois, Indiana, Maryland, Mississippi, Missouri, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, and Wisconsin. GAINSCO primarily works through a network of independent agents rather than offering direct online quotes in all locations.

Does GAINSCO specialize in any particular type of driver?

GAINSCO specializes in providing non-standard auto insurance for high-risk drivers who might struggle to find coverage elsewhere. The company specifically focuses on insuring drivers who need SR-22 certificates after serious violations like DUIs or license suspensions, those with multiple tickets or at-fault accidents, drivers with foreign or expired licenses, and individuals seeking minimum state-required coverage.

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Bottom line

Should you choose GAINSCO as your car insurance company? Getting quotes from GAINSCO alongside other insurers and comparing them on price and service will give you the answer.

Data throughout provided by Insurify.

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