Gainsco vs. Shelter Insurance

Which insurance company is right for you? Compare premiums, insights, and quotes from Gainsco and Shelter.

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Gainsco vs. Shelter: 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” 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.

Shelter Insurance company is a mutual insurance company that focuses on auto, property, business and life insurance. In, when the company was founded and called MFA Mutual Insurance Company. Its focus was to provide farmers access to reliable insurance protection at prices that they could afford.

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 Shelter Overview.

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

Below is a list of the average rates that drivers typically pay with GAINSCO Auto Insurance and Shelter. On average, GAINSCO Auto Insurance charges approximately $107.83 per month while Shelter comes in at around $191.45 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 Shelter, the cheapest state average is Missouri at $176.94 per month and the most expensive is Missouri at $176.94 per month.

GAINSCO Auto Insurance

Average Rate


Average Rate


Average Rate

State GAINSCO Auto Insurance Shelter
Missouri- $176.94

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

Number of Vehicles GAINSCO Auto Insurance Shelter
1 Vehicle $ $168.55

GAINSCO Auto Insurance vs. Shelter: Rates by Homeownership

Rates Are Not Currently Available

What is Gainsco and Shelter Insurance Rating?

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

Year Founded19781946
A.M. Best RatingB+A
BBB RatingA+A+
Financial StrengthAbove AverageExcellent
NAIC Complaint Ratio2.340.36 (2013)

Gainsco or Shelter: Insurance Products Offered

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

Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Gainsco or Shelter: Ways To Save

Gainsco offers a wide range of discounts to its policyholders, including Agency Internal Transfer, Auto-Pay, and Homeowner discounts. Whereas, Shelter also offers a few discounts that Gainsco doesn’t, including Window Identification System – Louisiana Residents, Safe Driver, and Pay in Full discounts. Start taking advantage of discounts offered by insurance providers like Shelter and Gainsco insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Advance Purchase DiscountAccident Prevention Course Discount
Agency Internal Transfer DiscountAnti-Theft Discount - Kentucky and Illinois Residents
Auto-Pay DiscountCompanion Life Discount
Homeowner DiscountCompanion Policy Discount
Length of Ownership (Loyalty Discount)Driver Training Course Discount
Multi-car DiscountGood Student Discount
Pay-in-Full DiscountMilitary Discount
Prior Coverage DiscountMulti-car Discount
Prior GAINSCO Coverage DiscountMulti-coverage Discount - Nevada Residents
Renewal DiscountPassive Restraint Discount
Pay in Full Discount
Safe Driver Discount
Window Identification System Discount – Louisiana Residents

Pros & Cons of Gainsco & Shelter


  • Flexible insurance policies
  • Easily customizable policies
  • Affordable rates and transparent pricing.
  • Shelter Insurance offers personalized service through a network of more than 1,400 agents.
  • The company has a few customer's complaints, which indicates high satisfaction.
  • You can start your claims online or by phone.


  • High customer-complaint ratio
  • The website doesn’t accept electronic payments.
  • The company covers only 15 states. If you don’t live in the Midwest, you’ll need to look for another carrier.

Gainsco or Shelter 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 Shelter Insurance Mobile app is available for iOS and Android. With the app, you can access your ID cards, report a claim and upload photos, view coverages and policy details, obtain roadside assistance, get in touch with your agent and pay your bill by credit or debit card.

Gainsco Mobile App
iOS     2.68 user reviews
Android     2.98 user reviews
Shelter Mobile App
iOS     2.335 user reviews
Android     2.3240 user reviews

Gainsco & Shelter Contact Info

Gainsco Contact Info
Address3333 Lee Parkway, Dallas, TX 75219
Shelter Contact Info
Address1817 West Broadway - Columbia, MO 65218

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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