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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 Auto Insurance vs Auto Club Group
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 $ per month while Auto Club Group comes in at around $338.06 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. For Auto Club Group, the cheapest state average is Illinois at $258.39 per month and the most expensive is Michigan at $396.08 per month.
Average Rate
Average Rate
Average Rate
| State | GAINSCO Auto Insurance | Auto Club Group |
|---|---|---|
| Illinois | - | $258.39 |
| Michigan | - | $396.08 |
GAINSCO Auto Insurance vs. Auto Club Group: Rates by Number of Vehicle
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 | $ | $329.65 |
| 2 Vehicles | $ | $379.50 |
GAINSCO Auto Insurance vs. Auto Club Group: Rates by Homeownership
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.
| Comparison | Gainsco | AAA |
|---|---|---|
| Year Founded | 1978 | 1902 |
| A.M. Best Rating | B+ | A- |
| BBB Rating | A+ | A+ |
| Financial Strength | Above Average | Excellent |
| NAIC Complaint Ratio | 2.34 | 0.53 |
| S&P Rating | A+ |
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.
| Insurance | Gainsco | AAA |
|---|---|---|
| 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.
| Gainsco | AAA |
|---|---|
| Advance Purchase Discount | Good Driver Discount |
| Agency Internal Transfer Discount | Good Student Discount |
| Auto-Pay Discount | Loyalty Discount |
| Homeowner Discount | Multi-policy Discount |
| Length of Ownership (Loyalty Discount) | Multi-vehicle Discount |
| Multi-car Discount | Verified 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 | 2.6 | 8 user reviews |
| Android | 2.9 | 8 user reviews |
| AAA Mobile App | ||
|---|---|---|
| iOS | 4.6 | 6.4K user reviews |
| Android | 4.3 | 4,061 user reviews |
Gainsco & AAA Contact Info
| 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/ | |
| AAA Contact Info | |
|---|---|
| Address | 1225 Freeport Pkwy, Coppell, TX 75019, US |
| Phone | 1-877-387-8378 |
| Website | https://www.aaa.com/ |
| https://www.facebook.com/AAAFanPage/ | |
| Youtube | https://www.youtube.com/user/AAA |
| https://twitter.com/AAA4lyfe | |
| https://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.
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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