120+ more){kind=small}
3+ years in insurance content
Host of Insurify‘s podcast “No Dumb Questions“
Sara has been an associate editor at Insurify since 2022. She co-launched Insurify‘s podcast “No Dumb Questions“ in 2025.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
Category | Average Score |
|---|---|
| Overall experience rating | 3.7 |
| Customer service | 2.6 |
| Value | 3.1 |
| Claims handling | 3.2 |
| Coverage options | 3.2 |
| Discounts | 2.9 |
| Policy transparency | 3.3 |
| Policy flexibility | 3.3 |
GAINSCO overall user rating: 3.7 out of 5
Insurify Quality (IQ) Score for GAINSCO: 7.9 out of 10
NAIC complaint index: 1.99 (higher than average)
Average monthly full-coverage premium from GAINSCO: $209
GAINSCO is a non-standard insurer that operates in 19 U.S. states. Insurify customers give GAINSCO a quality score of 7.9/10.
Although GAINSCO can be a great insurer for some, customers give it fairly low ratings across the board, and it scores lower than its competitor GEICO. For its overall value, customers rate it a 3.1 out of 5.
GAINSCO customers rate its customer service a 2.6 out of 5. Reviews skew negative, with many customers expressing frustration over responsiveness and feeling dismissed by GAINSCO. Positive reviews note that agents can be helpful if the problems are simple.
Here’s how GAINSCO customers feel about the company’s customer service.
When it comes to customer service, GAINSCO’s rating of 2.6 out of 5 falls behind Allstate and GEICO. GAINSCO customers report frustrating interactions with agents. GEICO and Allstate customers mention smooth and easy customer service.
The table below shows how customers rate GAINSCO’s customer service compared to GEICO and Allstate.
Company | Average Score |
|---|---|
| GAINSCO | 2.6 |
| Allstate | 3.9 |
| GEICO | 4.1 |
GAINSCO customers rate its discount availability a 2.9 out of 5. Positive reviews say discounts offer helpful initial savings. But negative reviews say GAINSCO’s discounts don’t deliver meaningful savings after renewal.
Insurify customers rate GAINSCO’s discount offerings worse than Allstate and GEICO. But customer reviews about discounts are lackluster for all three companies — especially after rate hikes.
Here’s how GAINSCO’s rating of 2.9 out of 5 for discount availability compares to Allstate and GEICO.
Company | Average Score |
|---|---|
| GAINSCO | 2.9 |
| Allstate | 3.8 |
| GEICO | 3.9 |
GAINSCO customers give the company an OK rating of 3.2 out of 5 for claims handling. Positive reviews focus on a smooth claims experience when the claims are simple. Negative reviews about GAINSCO’s claims handling mention frustration with claim denials and low payouts.
Customers give GAINSCO a 3.2 out of 5 for claims handling. This is lower than Allstate’s 3.8 out of 5 and GEICO’s score of 4.1 out of 5.
Here’s how these three companies compare for claims handling.
Company | Average Score |
|---|---|
| GAINSCO | 3.2 |
| Allstate | 3.8 |
| GEICO | 4.1 |
GAINSCO struggles to provide valuable coverage for an acceptable price, according to customer reviews left on Insurify. Customers give GAINSO a 3.1 out of 5 for its value for money. Customers with a negative experience feel they’re paying too much for what they get. Positive experiences with GAINSCO’s value feel that the minimum-level coverage is worth it.
GAINSCO’s score of 3.1 out of 5 for value for money falls behind Allstate and GEICO. But reviews across all three companies show that customers’ perceived value for money decreases after rates increase.
Here’s how customers rate GAINSCO, Allstate, and GEICO for their monetary value.
Company | Average Score |
|---|---|
| GAINSCO | 3.1 |
| Allstate | 3.3 |
| GEICO | 3.9 |
GAINSCO customers rate it a 3.3 out of 5 for policy transparency. Customers who have a positive experience with GAINSCO’s transparency mention that basic policies are simple and easy to understand. Negative reviews about GAINSCO’s transparency focus on fees and confusion over what’s covered.
Here are some real reviews about GAINSCO’s policy transparency.
With a score of 3.3 out of 5, GAINSCO’s customers rate the company’s policy transparency lower than both Allstate and GEICO. Customers with GAINSCO and Allstate both mention issues with policy changes.
The table below shows how these three companies compare for policy transparency.
Company | Average Score |
|---|---|
| GAINSCO | 3.3 |
| Allstate | 3.7 |
| GEICO | 4.0 |
Reading customer reviews can give you an accurate view of how an insurer operates. Below are reviews from the last 12 months from over 238 GAINSCO customers.
Comparing multiple companies is the easiest way to choose the best insurer for you. Here’s how GAINSCO compares to its top competitors, like Allstate, GEICO, and Erie.
 |  |  |  |  |  |
|---|---|---|---|---|---|
Average price $153/mo* | Average price $125/mo* | Average price $112/mo* | Average price $93/mo* | Average price $157/mo* | Average price $150/mo* |
Overall rating | Overall rating | Overall rating | Overall rating | Overall rating | Overall rating |
Value for money | Value for money | Value for money | Value for money | Value for money | Value for money |
Customer service | Customer service | Customer service | Customer service | Customer service | Customer service |
Claims handling | Claims handling | Claims handling | Claims handling | Claims handling | Claims handling |
Special highlight High-risk driversAI-generated from 238 user reviews | Special highlight Accident forgivenessAI-generated from 12279 user reviews | Special highlight Teen driversAI-generated from 20735 user reviews | Special highlight High customer satisfactionAI-generated from 557 user reviews | Special highlight High-risk driversAI-generated from 732 user reviews | Special highlight High-risk driversAI-generated from 1539 user reviews |
Insurify collects reviews from users on its platform who have successfully compared quotes, as well as users who have purchased a policy through Insurify.
These users complete an optional survey that asks them to review their experience with their current insurance company and rate the company on factors like customer service, claims handling, coverage availability, discounts, policy flexibility, policy transparency, and value for money. These ratings and reviews are then compiled and cleaned by our data team to bring you company-level insights from over 85,000 Insurify users.
3+ years in insurance content
Host of Insurify‘s podcast “No Dumb Questions“
Sara has been an associate editor at Insurify since 2022. She co-launched Insurify‘s podcast “No Dumb Questions“ in 2025.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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