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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 Auto Insurance
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 $222.59 per month while GAINSCO Auto Insurance comes in at around $ per month. For American Family, the cheapest state average is Oregon at $215.54 per month and the most expensive is Nevada at $304.15 per month. For GAINSCO Auto Insurance, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.
Average Rate
Average Rate
Average Rate
| State | American Family | GAINSCO Auto Insurance |
|---|---|---|
| Nevada | $304.15 | - |
| Oregon | $215.54 | - |
| Washington | $244.14 | - |
American Family vs. GAINSCO Auto Insurance: Rates by Number of Vehicle
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 | $203.32 | $ |
| 2 Vehicles | $333.78 | $ |
American Family vs. GAINSCO Auto Insurance: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average American Family charges $223.77 per month and GAINSCO Auto Insurance charges $ per month for customers who own their home.
| Own/Rent | American Family | GAINSCO Auto Insurance |
|---|---|---|
| Own | $223.77 | $ |
| Rent | $222.31 | $ |
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 also received a better score on the NAIC Complaint Index.
| Comparison | American Family | Gainsco |
|---|---|---|
| Year Founded | 1927 | 1978 |
| Market Share | 1.91% | |
| 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 |
| https://www.facebook.com/amfam/ | |
| https://twitter.com/amfam | |
| Youtube | https://www.youtube.com/user/amfam |
| 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/ |
| https://www.facebook.com/GAINSCOInsurance/ | |
| https://twitter.com/GAINSCOAgency | |
| Youtube | https://www.youtube.com/channel/UCuoo1lEvzyJ7seCjj3NmerA |
| 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.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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