Gainsco vs. Country Insurance

Which insurance carrier is right for you? Compare discounts, plans, and quotes from Gainsco and Country.

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Gainsco vs. Country: 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.

Country Financial is a group of US insurance and financial services companies available in 19 states in the U.S. Their history began in 1925, when a group of Agricultural Association members from Illinois formed a company, Country Mutual Insurance, selling fire and lightning insurance. In the following four years, new products were included in their portfolios, such as crop hail and farm insurance, auto, and life insurance. Today, Country Financial serves about one million households and businesses throughout the United States and offers a range of insurance and financial products, including auto, home, life, health, commercial, farm & ranch, and crop insurance, and retirement planning, education funding, annuities, and planning services.

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 Country Overview.

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

Below is a list of the average rates that drivers typically pay with GAINSCO Auto Insurance and Country. On average, GAINSCO Auto Insurance charges approximately $143.93 per month while Country comes in at around $156.12 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. For Country, the cheapest state average is Oregon at $106.24 per month and the most expensive is Minnesota at $212.47 per month.

GAINSCO Auto Insurance

Average Rate

$143.93
Country

Average Rate

$156.12
National

Average Rate

$120.83
State GAINSCO Auto Insurance Country
Alabama- $118.34
Arizona- $158.72
Georgia $124.56 $173.31
Illinois- $108.12
Minnesota- $212.47
Nevada- $186.30
Oregon- $106.24
South Carolina $229.67 -

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

Number of Vehicles GAINSCO Auto Insurance Country
1 Vehicle $125.78 $144.19
2 Vehicles $ $200.21
3 Vehicles $ $279.45

GAINSCO Auto Insurance vs. Country: 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 Country charges $147.36 per month for customers who own their home.

Own/Rent GAINSCO Auto Insurance Country
Own $122.40 $147.36
Rent $149.31 $159.71

What is Gainsco and Country Insurance Rating?

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

ComparisonGainscoCountry
Year Founded19781925
Market Share0.49%
A.M. Best RatingB+A+ (Superior)
BBB RatingA+
Financial StrengthAbove AverageExcellent
NAIC Complaint Index0.22
NAIC Complaint Ratio2.34

Gainsco or Country: Insurance Products Offered

What coverage is available through Gainsco and Country? Both insurance companies offer Auto insurance. Additional products from Country insurance also includes Commercial, Condo, Farm, Health, Home, Life, Motorcycle, Pet, 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 Country Insurance page.

InsuranceGainscoCountry
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance

Gainsco or Country: Ways To Save

Gainsco offers a wide range of discounts to its policyholders, including Agency Internal Transfer, Auto-Pay, and Homeowner discounts. Whereas, Country also offers a few discounts that Gainsco doesn’t, including Occupation, Multi-policy, and Legacy discounts. Start taking advantage of discounts offered by insurance providers like Country and Gainsco insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

GainscoCountry
Advance Purchase DiscountAdvance Quote Discount
Agency Internal Transfer DiscountAnti-theft Discount
Auto-Pay DiscountCollege Graduate Discount
Homeowner DiscountDefensive Driver Discount
Length of Ownership (Loyalty Discount)Discounts for Teens
Multi-car DiscountEngaged Couple Discount
Pay-in-Full DiscountGood Driver Discount
Prior Coverage DiscountGood Student
Prior GAINSCO Coverage DiscountLegacy Discount
Renewal DiscountMulti-car Discount
Multi-policy Discount
Occupation Discount

Pros & Cons of Gainsco & Country

Pros

Gainsco
  • Flexible insurance policies
  • Easily customizable policies
  • Affordable rates and transparent pricing.
Country
  • Variety of coverage options.
  • Flexible billing options.
  • Unique discounts, like being engaged, having certain occupations (full-time K–12 teachers, firefighters, police officers, EMTs or paramedics) and also for teen drives.

Cons

Gainsco
  • High customer-complaint ratio
  • The website doesn’t accept electronic payments.
Country
  • It doesn’t reward loyal customers.

Gainsco or Country 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 Country Financial Mobile app is available for android and iPhones and iPads. The app provides a dashboard where you can manage your bill, view the status of your claims, update the contact info, manage your notifications, obtain your policy documents and view your insurance card...

Gainsco Mobile App
iOS     2.68 user reviews
Android     2.98 user reviews
Country Mobile App
iOS     4.540 user reviews
Android     4.135 user reviews

Gainsco & Country 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/
Country Contact Info
Address1701 N Towanda Ave, Bloomington, IL 61701-2057
Phone1 (866) 268-6879
Websitehttps://www.countryfinancial.com
Facebookhttps://www.facebook.com/countryfinancial/
Youtubehttps://www.youtube.com/user/COUNTRYFinancial
Linkedinhttps://www.linkedin.com/company/country-financial-/

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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