Ratings
Auto Insurance Quotes
| GAINSCO | USAA | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Austin | Chicago | Philadelphia | Phoenix | Los Angeles | ||||||
Married |
||||||||||
| Yes | $48 | $46 | $31 | $38 | $49 | |||||
| No | $61 | $69 | $41 | $57 | $88 | |||||
Gender |
||||||||||
| Male | $55 | $59 | $37 | $52 | $81 | |||||
| Female | $54 | $56 | $34 | $43 | $56 | |||||
Has Ticket |
||||||||||
| Yes | $72 | $84 | $44 | $68 | $114 | |||||
| No | $50 | $52 | $35 | $43 | $59 | |||||
Age |
||||||||||
| 18-40 | $61 | $71 | $41 | $58 | $95 | |||||
| 40-65 | $43 | $42 | $28 | $34 | $48 | |||||
| 65+ | $71 | $66 | $46 | $56 | $48 | |||||
Credit Score |
||||||||||
| Average Credit | $59 | $67 | $41 | $51 | $67 | |||||
| Fair Credit | $56 | $55 | $36 | $46 | $54 | |||||
| Good Credit | $45 | $46 | $32 | $38 | $55 | |||||
| Excellent Credit | $57 | $62 | $34 | $56 | $99 | |||||
Quotes & Discounts
| Discount Type | GAINSCO | USAA |
|---|---|---|
| Anti-lock Brake Discount |
--
|
Varies |
| teenSMART Discount |
--
|
Varies |
| Student Away at School Discount |
--
|
up to 20% |
| Family Discount |
--
|
up to 10% |
| New Car Discount |
--
|
Varies |
| Low Mileage Discount |
--
|
Varies |
| Multiple Policy Discount |
--
|
up to 9% |
| Vehicle Storage Discount |
--
|
up to 60% |
| Multiple Vehicle Discount |
--
|
up to 13% |
| Defensive Driver Discount |
--
|
Varies |
| Good Student Discount |
--
|
Varies |
| Good Driver Discount |
--
|
up to 10% |
| Anti-Theft Device Discount |
--
|
up to 20% |
| Passive Restraint Discount |
--
|
up to 15% |
| Driving training discount |
--
|
Varies |
| Loyalty Discount |
--
|
Varies |
| Daytime Running Lights Discount |
--
|
Varies |
| Military Discount |
--
|
up to 15% |
| Accident Forgiveness |
--
|
Varies |
Insurance by State
- GAINSCO
- USAA
- Both
Uber and Lyft driver insurance:
- GAINSCO
- USAA
- Both
SR-22 Insurance by State
- GAINSCO
- USAA
- Both
Compare Insurance Products
| Product | GAINSCO | USAA |
|---|---|---|
 Aviation Insurance |
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 Boat Insurance |
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 Car Insurance |
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 Classic Car Insurance |
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 Collectibles Insurance |
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 Condo Insurance |
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 Dwelling Fire Insurance |
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 Farm Insurance |
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 Flood Insurance |
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 Home Insurance |
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 Life Insurance |
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 Mobile Home Insurance |
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 Motorcycle Insurance |
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 Personal Articles Insurance |
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 RV Insurance |
--
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 Renters Insurance |
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 Small Business Insurance |
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 Umbrella Insurance |
--
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User Reviews
Most Positive Review
I never had a issue with the insurance company
Most Critical Review
January 24, 2018
There rates are too high
Most Positive Review
October 23, 2017
Rates are reasonable, customer service is knowledgeable, and they offer multiple services. They also paid quickly on a claim I filed.
Most Critical Review
December 19, 2018
I was a customer of USAA for years, then discovered that they had someone else's car on my policy (and had removed my car). When I spoke to them about it, they said that if they had to research it find out whose fault it is, that they would retroactively raise my rates for the past two years - even though my car is 4 years older than they can that was insured. Amazing how quickly the conversation turned from "lets see what's happening" to "we need to cover our ass and make this issue go away". This isn't doing what's right for the customer. As a result, I shopped them and discovered that I could get identical coverage with another national insurance carrier for half the annual cost.
October 23, 2017