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Esurance vs. Gainsco Insurance
Which insurance provider is right for you? Compare savings, premiums, and quotes from Esurance and Gainsco.
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- Esurance vs GAINSCO Auto Insurance
Esurance vs. Gainsco: What You Need to Know
Founded in 1999 and purchased by Allstate in 2011, Esurance has the spirit of a startup but the backing of Allstate as a multiline insurance company with an A+ financial rating. Using state-of-the-art technology, Esuranceoffers online and mobile services that enable a more efficient payment and claims process. Esurance sells the vehicle and property insurance around the county, and they are still growing. In 1999, Jean-Bernard Duler, Jeffrey L. Goodman, Huyen Bui, David Griffin, and Charles Wallace found Esurance as one of the first insurance companies to sell policies directly to consumers online, without the need for in-person meetings or telephone calls.
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” DaytonaPrototype. 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 Esurance Overview and GAINSCO Auto Insurance Overview.
Esurance vs. GAINSCO Auto Insurance: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Esurance and GAINSCO Auto Insurance. On average, Esurance charges approximately $172.34 per month while GAINSCO Auto Insurance comes in at around $ per month. For Esurance, the cheapest state average is California at $129.55 per month and the most expensive is New York at $348.60 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 | Esurance | GAINSCO Auto Insurance |
|---|---|---|
| Arizona | $174.43 | - |
| California | $129.55 | - |
| Michigan | $233.76 | - |
| New Jersey | $228.22 | - |
| New York | $348.60 | - |
| Pennsylvania | $159.66 | - |
| Texas | $178.65 | - |
Esurance 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 Esurance and GAINSCO Auto Insurance typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Esurance | GAINSCO Auto Insurance |
|---|---|---|
| 1 Vehicle | $167.43 | $ |
| 2 Vehicles | $213.62 | $ |
Esurance 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 Esurance charges $165.67 per month and GAINSCO Auto Insurance charges $ per month for customers who own their home.
| Own/Rent | Esurance | GAINSCO Auto Insurance |
|---|---|---|
| Own | $165.67 | $ |
| Rent | $173.30 | $ |
What is Esurance and Gainsco Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Esurance and Gainsco ranked among the industry ratings.
| Comparison | Esurance | Gainsco |
|---|---|---|
| Year Founded | 1999 | 1978 |
| BBB Rating | A- | A+ |
| Financial Strength | Above Average | Above Average |
| NAIC Complaint Ratio | 1.14 | 2.34 |
| S&P Rating | AA- |
Esurance or Gainsco: Insurance Products Offered
What coverage is available through Esurance and Gainsco? Both insurance companies offer Auto insurance. Additional products from Esurance insurance also includes Commercial, Condo, Health, Home, Life, Motorcycle, Pet, Renters, RV, and Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Esurance and GAINSCO Auto Insurance Insurance page.
| Insurance | Esurance | Gainsco |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | |
| Condo Insurance | ✔ | |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | |
| Life Insurance | ✔ | |
| Motorcycle Insurance | ✔ | |
| Pet Insurance | ✔ | |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ | |
| Umbrella Insurance | ✔ |
Esurance or Gainsco: Ways To Save
Gainsco offers a wide range of discounts to its policyholders, including Agency Internal Transfer, Auto-Pay, and Homeowner discounts. Whereas, Esurance also offers a few discounts that Gainsco doesn’t, including Switch & Save®, Safety Device, and Renters Plus® discounts. Start taking advantage of discounts offered by insurance providers like Gainsco and Esurance insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Esurance | Gainsco |
|---|---|
| Anti-lock Brakes Discount | Advance Purchase Discount |
| Anti-theft Discount | Agency Internal Transfer Discount |
| Claim-free Discount | Auto-Pay Discount |
| Defensive Driver Discount | Homeowner Discount |
| Emergency Road Assistance Discount | Length of Ownership (Loyalty Discount) |
| Fast 5 Discount® | Multi-car Discount |
| Good Driver Discount | Pay-in-Full Discount |
| Good Student Discount | Prior Coverage Discount |
| Homeowners Discount | Prior GAINSCO Coverage Discount |
| Multi-car Discount | Renewal Discount |
| Multi-policy Discount | |
| Online Shopper® Discount | |
| Paid-in-full Discount | |
| Renters Plus® Discount | |
| Safety Device Discount | |
| Switch & Save® Discount |
Pros & Cons of Esurance & Gainsco
Pros
Esurance
- Very few complaints from customers.
- It has fewer customer complaints than the industry median, relative to its size.
- Backed by Allstate, a large insurer that is financially sound.
- Esurance is available in most states.
Gainsco
- Flexible insurance policies
- Easily customizable policies
- Affordable rates and transparent pricing.
Cons
Esurance
- Does not score very high on the repair process
- Prices are a bit higher than other budget insurers like Progressive and Geico
Gainsco
- High customer-complaint ratio
- The website doesn’t accept electronic payments.
Esurance or Gainsco Mobile Apps Options
The Esurance mobile app is available for iOS and Android.
The Gainsco mobile app is available for iOS and Android. This mobile app offers some benefits and services including requesting a quote, making a payment, reporting a claim, requesting an agent, contacting the insurer, and getting the latest Gainsco news.
| Esurance Mobile App | ||
|---|---|---|
| iOS | 4.8 | 1,194 user reviews |
| Android | 4.7 | 8,655 user reviews |
| Gainsco Mobile App | ||
|---|---|---|
| iOS | 2.6 | 8 user reviews |
| Android | 2.9 | 8 user reviews |
Esurance & Gainsco Contact Info
| Esurance Contact Info | |
|---|---|
| Address | 650 Davis Street, San Francisco, CA 94111 |
| Phone | 1-800--378-7262 |
| Website | https://www.esurance.com/ |
| https://www.facebook.com/Esurance/ | |
| https://twitter.com/esurance | |
| Youtube | https://www.youtube.com/channel/UCpp4vbWpy_aTBhmhigENpHw |
| https://www.linkedin.com/company/esurance/ | |
| 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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