American Family vs. Gainsco Insurance

Which insurance provider is right for you? Compare pros & cons, products, and quotes from American Family and Gainsco.

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American Family vs. Gainsco: What You Need to Know

Allied Mutual Automobile Association was formed by Harold Evans in 1929. After years of operating as a standalone brand, Allied Insurance became Nationwide in 1998. Policies, documents, bills and account statements for Allied customers are now featuring the Nationwide name and logo.

Established in 1978 as a Texas corporation, Gainsco is a property and casualty insurance holding company, concentrating their efforts on the non-standard personal automobile market, specializing in minimum-limits personal auto insurance. They do offer full and standard coverage as well but specialize in minimum liability coverage. The company is based in Dallas, with a regional office in Miami and its operations are conducted through MGA Insurance Company Inc., a Texas corporation. Gainsco sponsors a racing team, the GAINSCO/Bob Stallings Racing team, which won the Grand-AM Rolex Sports Car Series twice with the No. 99 GAINSCO “Red Dragon” Daytona Prototype. Gainsco sells insurance through independent partner agents in the District of Columbia and 44 states that include Arizona, Florida, Georgia, New Mexico, Oklahoma, South Carolina, Texas, and Virginia. All customer service needs can be met in English or Spanish.

Below is a list of average rates, rankings, products and discounts for the two companies. For full company overviews, you can visit American Family Overview and GAINSCO Auto Insurance Overview.

American Family vs. GAINSCO Auto Insurance: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with American Family and GAINSCO Auto Insurance. On average, American Family charges approximately $162.37 per month while GAINSCO Auto Insurance comes in at around $143.93 per month. For American Family, the cheapest state average is Ohio at $93.23 per month and the most expensive is Nevada at $346.70 per month. For GAINSCO Auto Insurance, the cheapest state average is Georgia at $124.56 per month and the most expensive is South Carolina at $229.67 per month.

American Family

Average Rate

$162.37
GAINSCO Auto Insurance

Average Rate

$143.93
National

Average Rate

$120.30
State American Family GAINSCO Auto Insurance
Arizona $163.30 -
Colorado $206.17 -
Georgia- $124.56
Idaho $110.33 -
Illinois $223.49 -
Indiana $142.88 -
Iowa $103.92 -
Kansas $148.09 -
Minnesota $131.55 -
Missouri $159.27 -
Nebraska $143.17 -
Nevada $346.70 -
North Dakota $137.71 -
Ohio $93.23 -
Oregon $149.31 -
South Carolina- $229.67
South Dakota $121.62 -
Utah $181.10 -
Washington $182.08 -
Wisconsin $104.14 -

American Family vs. GAINSCO Auto Insurance: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that American Family and GAINSCO Auto Insurance typically charge for drivers who have more than 1 vehicle.

Number of Vehicles American Family GAINSCO Auto Insurance
1 Vehicle $150.93 $125.78
2 Vehicles $204.66 $
3 Vehicles $278.07 $

American Family vs. GAINSCO Auto Insurance: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average American Family charges $155.50 per month and GAINSCO Auto Insurance charges $122.40 per month for customers who own their home.

Own/Rent American Family GAINSCO Auto Insurance
Own $155.50 $122.40
Rent $165.31 $149.31

What Are American Family and Gainsco Insurance's Ratings?

Which car insurance company ranks better? We've made it easy to compare companies side by side. Below is how American Family and Gainsco ranked among the industry ratings. Both companies have received a grade of A+ by the BBB (Better Business Bureau). American Family scored slightly better on the A.M Best Rating receiving an A+ while Gainesco received at B+. American Family also received a better score on the NAIC Complaint Index.

Comparison American Family Gainsco
Year Founded 1927 1978
Market Share 1.91%
A.M. Best A B+
BBB Rating A+ A+
Financial Strength Excellent Above Average
JD Power Ranking About Average
NAIC Complaint Index 0.64 2.34
S&P Rating A

American Family or Gainsco: Insurance Products Offered

While American Family offers numerous insurance products, Gainsco focuses solely on nonstandard Personal Auto Insurance. A full list of coverages that American Family offers is listed below.

Insurance American Family Gainsco
Boat Insurance
Business Insurance
Car Insurance
Classic Car Insurance
Condo Insurance
Farm And Ranch Insurance
Health Insurance
Home Insurance
Identity Theft Insurance
Landlord Insurance
Life Insurance
Manufactured Home Insurance
Motorcycle Insurance
Nonstandard Personal Auto Insurance
Renters Insurance
Rv Insurance
Snowmobile Insurance
Travel Insurance
Umbrella Insurance

American Family or Gainsco: Ways To Save

Want to save some money? Of course, who doesn't! American Family and Gainsco both offer numerous options to save with the discounts they offer. Discounts are ways for carriers to reward their policy holders for being good customers. You can review the full list of discounts that these two companies offer below.

American Family Gainsco
Away at School Discount Advance Purchase Discount
Claims-free Pricing Agency Internal Transfer Discount
Generational Discount Auto-Pay Discount
Good Student Discount Homeowner Discount
KnowYourDrive Length of Ownership (Loyalty Discount)
Loyalty Discount Multi-car Discount
Multi-product Discount Pay-in-Full Discount
Smart Home Discount Prior Coverage Discount
Teen Safe Driver Discount Prior GAINSCO Coverage Discount
Young Volunteer Discount Renewal Discount

Pros & Cons of American Family & Gainsco

Pros

American Family
  • American Family Insurance has 24/7 claim support.
  • With KnowYourDrive technology that analyzes your driving habits, you may be able to earn a discount of up to 20%.
  • Teen Safe Driver also uses technology to monitor distracted driving and may earn a teen up to 10% in car insurance discounts.
  • The American Family MyAmFam app is very helpful for managing your account.
  • American Family Insurance offers rideshare insurance for Uber and Lyft drivers.
Gainsco
  • Flexible insurance policies
  • Easily customizable policies
  • Affordable rates and transparent pricing.

Cons

American Family
  • American Family Insurance only serves 19 states.
Gainsco
  • High customer-complaint ratio
  • The website doesn’t accept electronic payments.

American Family or Gainsco Mobile Apps Options

The American Family mobile app is available for iOS and android. Called MyAmFam, the app allows users to manage their insurance policy: Make payments, view coverage and policy details, access digital ID cards, in-app payment reminders, find a repair shop, submit a claim, get roadside assistance and more.

The Gainsco mobile app is available for iOS and Android. This mobile app offers some benefits and services like requesting a quote, making a payment, reporting a claim, requesting an agent, contacting the insurer and getting the latest Gainsco news.

American Family Mobile App
iOS      4.8 30K user reviews
Android      4.4 3.5K user reviews
Gainsco Mobile App
iOS      2.6 8 user reviews
Android      2.9 8 user reviews

American Family & Gainsco Contact Info

American Family Contact Info
Address 6000 American Parkway, Madison, WI 53783
Phone 1-800-692-6326
Website https://www.amfam.com/insurance
Facebook https://www.facebook.com/amfam/
Twitter https://twitter.com/amfam
Youtube https://www.youtube.com/user/amfam
Linkedin https://www.linkedin.com/company/american-family-insurance/
Gainsco Contact Info
Address 3333 Lee Parkway, Dallas, TX 75219
Phone 1-866-424-6726
Website https://www.gainsco.com/
Facebook https://www.facebook.com/GAINSCOInsurance/
Twitter https://twitter.com/GAINSCOAgency
Youtube https://www.youtube.com/channel/UCuoo1lEvzyJ7seCjj3NmerA
Linkedin https://www.linkedin.com/company/gainsco/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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