Gainsco vs. AAA Insurance

Which insurance provider is right for you? Compare discounts, costs, and quotes from Gainsco and AAA.

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Gainsco vs. AAA: What You Need to Know

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.

On March 4, 1902, nine automobile clubs joined together to form the American Automobile Association. Since then, AAA has been a pioneer in the future of transportation in its fight for better roads. In 1915, AAA was the first to introduce a service for roadside service, which is one of the most valued components of an AAA membership because of its network of13,000 facilities. Members can call or use the AAA Roadside or CAA Roadsideapp for android or iPhone to get help.

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

GAINSCO Auto Insurance vs. Auto Club Group: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with GAINSCO Auto Insurance and Auto Club Group. On average, GAINSCO Auto Insurance charges approximately $144.44 per month while Auto Club Group comes in at around $309.96 per month. For GAINSCO Auto Insurance, the cheapest state average is South Carolina at $229.67 per month and the most expensive is South Carolina at $229.67 per month. For Auto Club Group, the cheapest state average is Wisconsin at $123.36 per month and the most expensive is Michigan at $384.79 per month.

GAINSCO Auto Insurance

Average Rate

$144.44
Auto Club Group

Average Rate

$309.96
National

Average Rate

$120.03
State GAINSCO Auto Insurance Auto Club Group
Illinois- $302.73
Michigan- $384.79
Minnesota- $210.85
Nebraska- $160.31
South Carolina $229.67 -
Wisconsin- $123.36

GAINSCO Auto Insurance vs. Auto Club Group: 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 GAINSCO Auto Insurance and Auto Club Group typically charge for drivers who have more than 1 vehicle.

Number of Vehicles GAINSCO Auto Insurance Auto Club Group
1 Vehicle $125.80 $297.63
2 Vehicles $ $351.46
3 Vehicles $ $566.42

GAINSCO Auto Insurance vs. Auto Club Group: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average GAINSCO Auto Insurance charges $122.40 per month and Auto Club Group charges $300.43 per month for customers who own their home.

Own/Rent GAINSCO Auto Insurance Auto Club Group
Own $122.40 $300.43
Rent $150.14 $315.24

What is Gainsco and AAA Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Gainsco and AAA ranked among the industry ratings.

ComparisonGainscoAAA
Year Founded19781902
A.M. Best RatingB+A-
BBB RatingA+A+
Financial StrengthAbove AverageExcellent
NAIC Complaint Ratio2.340.53
S&P RatingA+

Gainsco or AAA: Insurance Products Offered

What coverage is available through Gainsco and AAA? Both insurance companies offer Auto insurance. Additional products from AAA insurance also includes Commercial, Home, Life, Renters, and RV insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit GAINSCO Auto Insurance and Auto Club Group Insurance page.

InsuranceGainscoAAA
Auto Insurance
Commercial Insurance
Home Insurance
Life Insurance
Renters Insurance
RV Insurance

Gainsco or AAA: Ways To Save

AAA offers a wide range of discounts to its policyholders, including Good Student, Loyalty, and Multi-policy discounts. Whereas, Gainsco also offers a few discounts that AAA doesn’t, including Renewal, Prior GAINSCO Coverage, and Prior Coverage discounts. Start taking advantage of discounts offered by insurance providers like AAA and Gainsco insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

GainscoAAA
Advance Purchase DiscountGood Driver Discount
Agency Internal Transfer DiscountGood Student Discount
Auto-Pay DiscountLoyalty Discount
Homeowner DiscountMulti-policy Discount
Length of Ownership (Loyalty Discount)Multi-vehicle Discount
Multi-car DiscountVerified Mileage Discount
Pay-in-Full Discount
Prior Coverage Discount
Prior GAINSCO Coverage Discount
Renewal Discount

Pros & Cons of Gainsco & AAA

Pros

Gainsco
  • Flexible insurance policies
  • Easily customizable policies
  • Affordable rates and transparent pricing.
AAA
  • With a membership with AAA means discounts and services like identity theft.
  • Membership can be valuable for frequent travelers.

Cons

Gainsco
  • High customer-complaint ratio
  • The website doesn’t accept electronic payments.
AAA
  • The annual fee for membership.
  • Membership required to buy car insurance.

Gainsco or AAA Mobile Apps Options

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.

The Auto Club App allows users to access Auto Club services, including membership, insurance, travel, and roadside assistance. It also shows members the Cheapest Gas and Branch Offices.

Gainsco Mobile App
iOS     2.68 user reviews
Android     2.98 user reviews
AAA Mobile App
iOS     4.66.4K user reviews
Android     4.34,061 user reviews

Gainsco & AAA Contact Info

Gainsco Contact Info
Address3333 Lee Parkway, Dallas, TX 75219
Phone1-866-424-6726
Websitehttps://www.gainsco.com/
Facebookhttps://www.facebook.com/GAINSCOInsurance/
Twitterhttps://twitter.com/GAINSCOAgency
Youtubehttps://www.youtube.com/channel/UCuoo1lEvzyJ7seCjj3NmerA
Linkedinhttps://www.linkedin.com/company/gainsco/
AAA Contact Info
Address1225 Freeport Pkwy, Coppell, TX 75019, US
Phone1-877-387-8378
Websitehttps://www.aaa.com/
Facebookhttps://www.facebook.com/AAAFanPage/
Youtubehttps://www.youtube.com/user/AAA
Twitterhttps://twitter.com/AAA4lyfe
Linkedinhttps://www.linkedin.com/company/aaa/

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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