Gainsco vs. Westfield Insurance

Which insurance company is right for you? Compare ratings, cost, and quotes from Gainsco and Westfield.

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Gainsco vs. Westfield: 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.

Headquartered in Westfield Center, Ohio, Westfield Insurance has been in business for nearly 170 years and is ranked amongst the 50 largest property and casualty insurers in the country. Over 900 independent insurance agencies represent Westfield insurance across the country. Westfield Insurance provides commercial insurance in 21 states and personal insurance in 10. They also offer surety services in all 50 states. In 2014, the company was named as a Top Workplace in Northeast Ohio. In 2015, it was named Top Workplace in central Ohio. Westfield Services provides service and training support for independent insurance agencies. Westfield Bank is a subsidiary of Westfield Insurance and offers services to businesses and individuals.

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 Westfield Overview.

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

Below is a list of the average rates that drivers typically pay with GAINSCO Auto Insurance and Westfield. On average, GAINSCO Auto Insurance charges approximately $153.60 per month while Westfield comes in at around $195.31 per month. For GAINSCO Auto Insurance, the cheapest state average is South Carolina at $220.27 per month and the most expensive is South Carolina at $220.27 per month. For Westfield, the cheapest state average is Indiana at $100.99 per month and the most expensive is Michigan at $333.25 per month.

GAINSCO Auto Insurance

Average Rate

$153.60
Westfield

Average Rate

$195.31
National

Average Rate

$117.77
State GAINSCO Auto Insurance Westfield
Indiana- $100.99
Kentucky- $139.30
Michigan- $333.25
Ohio- $109.61
South Carolina $220.27 -
Tennessee- $137.80
West Virginia- $140.06

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

Number of Vehicles GAINSCO Auto Insurance Westfield
1 Vehicle $135.17 $181.01
2 Vehicles $ $249.74

GAINSCO Auto Insurance vs. Westfield: 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 $129.89 per month and Westfield charges $202.69 per month for customers who own their home.

Own/Rent GAINSCO Auto Insurance Westfield
Own $129.89 $202.69
Rent $159.66 $190.73

What is Gainsco and Westfield Insurance Rating?

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

ComparisonGainscoWestfield
Year Founded19781864
A.M. Best RatingB+A
BBB RatingA+A+
Financial StrengthAbove AverageExcellent
NAIC Complaint Ratio2.349.62

Gainsco or Westfield: Insurance Products Offered

What coverage is available through Gainsco and Westfield? Both insurance companies offer Auto insurance. Additional products from Westfield insurance also includes Home, Motorcycle, 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 Westfield Insurance page.

InsuranceGainscoWestfield
Auto Insurance
Home Insurance
Motorcycle Insurance
RV Insurance

Gainsco or Westfield: Ways To Save

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

GainscoWestfield
Advance Purchase DiscountAccount Relationship Discount
Agency Internal Transfer DiscountCompanion Car Discount
Auto-Pay DiscountCompany Car Discount
Homeowner DiscountDefensive Driver Discount
Length of Ownership (Loyalty Discount)Family Discount
Multi-car DiscountGood Student Discount
Pay-in-Full DiscountLoss-free Discount
Prior Coverage DiscountLoyalty Discount
Prior GAINSCO Coverage DiscountMulti-Policy Discount
Renewal DiscountNext Generation Discount
Prior Carrier Discount

Pros & Cons of Gainsco & Westfield

Pros

Gainsco
  • Flexible insurance policies
  • Easily customizable policies
  • Affordable rates and transparent pricing.
Westfield
  • The company boasts more than $4.9 billion in consolidated assets
  • The company is one of the top 50 largest insurers in the country
  • Westfield Insurance has been in business for over 170 years.

Cons

Gainsco
  • High customer-complaint ratio
  • The website doesn’t accept electronic payments.
Westfield
  • A high number of complaints by consumers.
  • Car insurance is only available in ten states: Minnesota, Wisconsin, Ohio, Iowa, Illinois, Indiana, Pennsylvania, West Virginia, Kentucky, and Tennessee.

Gainsco or Westfield 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.

Gainsco Mobile App
iOS     2.68 user reviews
Android     2.98 user reviews
Westfield Mobile App
Westfield does not currently have a mobile app.

Gainsco & Westfield 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/
Westfield Contact Info
AddressOne Park Circle, Westfield Center, OH 44251
Phone1 (800) 243-0210
Websitehttps://www.westfieldinsurance.com/
Facebookhttps://www.facebook.com/Westfield1848/
Linkedinhttps://www.linkedin.com/company/westfield1848
Youtubehttps://www.youtube.com/watch?v=b2rW8nBValk

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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