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Safeauto vs. Gainsco Insurance
Which insurance company is right for you? Compare ratings, price, and quotes from Safeauto and Gainsco.
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- Safe Auto vs GAINSCO Auto Insurance
Safeauto vs. Gainsco: What You Need to Know
SafeAuto is an independently owned property and casualty car insurance carrier based in Columbus, Ohio. Since 1993, SafeAuto has been specializing in providing affordable, state-minimum auto insurance and full comprehensive and collision policies. SafeAuto provides a Certificate of Financial Responsibility (CFR) in the form of an SR22, SR22A or FR44 for customers who need to provide a CFR to a court or state government agency. The company also offers motorcycle, renters, homeowners, business, health, supplemental, dental, accident, life, mechanical repair insurance and more (see full list below). SafeAuto is a leader in direct-to-consumer, minimum-limit coverage across 17 states: Arizona, California, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia. The company has service call centers that are open at all hours, every day, including holidays. Customers can also access their insurance information easily using the SafeAuto Insurance Mobile App.
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.
Below is a list of average rates, rankings, products and discounts for the two companies. For full company overviews, you can visit Safe Auto Overview and GAINSCO Auto Insurance Overview.
Safe Auto vs. GAINSCO Auto Insurance: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Safe Auto and GAINSCO Auto Insurance. On average, Safe Auto charges approximately $301.76 per month while GAINSCO Auto Insurance comes in at around $ per month. For Safe Auto, the cheapest state average is Tennessee at $201.97 per month and the most expensive is Texas at $336.85 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.
Average Rate
Average Rate
Average Rate
| State | Safe Auto | GAINSCO Auto Insurance |
|---|---|---|
| Arizona | $234.68 | - |
| Illinois | $209.38 | - |
| Tennessee | $201.97 | - |
| Texas | $336.85 | - |
Safe Auto vs. GAINSCO Auto Insurance: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Safe Auto and GAINSCO Auto Insurance typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Safe Auto | GAINSCO Auto Insurance |
|---|---|---|
| 1 Vehicle | $259.32 | $ |
| 2 Vehicles | $420.60 | $ |
Safe Auto vs. GAINSCO Auto Insurance: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Safe Auto charges $315.44 per month and GAINSCO Auto Insurance charges $ per month for customers who own their home.
| Own/Rent | Safe Auto | GAINSCO Auto Insurance |
|---|---|---|
| Own | $315.44 | $ |
| Rent | $289.81 | $ |
What is Safeauto and Gainsco Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Safeauto and Gainsco ranked among the industry ratings.
| Comparison | Safeauto | Gainsco |
|---|---|---|
| Year Founded | 1993 | 1978 |
| Market Share | 1.8% | |
| A.M Best Rating | A- | B+ |
| BBB Rating | A+ | A+ |
| Financial Strength | Above Average | |
| NAIC Complaint Index | 1.74 | 2.34 |
Safeauto or Gainsco: Insurance Products Offered
What coverage is available through Safeauto and Gainsco? Both insurance companies offer auto insurance. Additional products from Safeauto insurance also includes Commercial, Health, Home, Life, Motorcycle, Renters, and SR22/FR44 Insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Safe Auto and GAINSCO Auto Insurance Insurance page.
| Insurance | Safeauto | Gainsco |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | |
| Life Insurance | ✔ | |
| Motorcycle Insurance | ✔ | |
| Renters Insurance | ✔ | |
| SR22/FR44 | ✔ |
Safeauto or Gainsco: Ways To Save
Safeauto offers a wide range of discounts to its policyholders, including Good Student, Homeowner, and Multi-vehicle discounts. Gainsco also offers a few discounts that Safeauto doesn’t including Renewal, Prior GAINSCO Coverage, and Prior Coverage discounts. Start taking advantage of discounts offered by insurance providers like Gainsco and Safeauto insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Safeauto | Gainsco |
|---|---|
| Driver Improvement Course Discounts | Advance Purchase Discount |
| Good Student Discount | Agency Internal Transfer Discount |
| Homeowner Discount | Auto-Pay Discount |
| Multi-vehicle Discount | Homeowner Discount |
| New Business Transfer | Length of Ownership (Loyalty Discount) |
| Multi-car Discount | |
| Pay-in-Full Discount | |
| Prior Coverage Discount | |
| Prior GAINSCO Coverage Discount | |
| Renewal Discount |
Pros & Cons of Safeauto & Gainsco
Pros
Safeauto
- Affordable state-minimum car insurance.
- R22, SR22A or FR44 as Certificate of Financial Responsibility available.
Gainsco
- Flexible insurance policies
- Easily customizable policies
- Affordable rates and transparent pricing.
Cons
Safeauto
- On average, premiums through SafeAuto cost more than some competitors.
Gainsco
- High customer-complaint ratio
- The website doesn’t accept electronic payments.
Safeauto or Gainsco Mobile Apps Options
The SafeAuto app is available for iOS and Android. This insurance concierge allows you to see your insurance information and pay premiums.
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.
| Safeauto Mobile App | ||
|---|---|---|
| iOS | 4.8 | 26.6K user reviews |
| Android | 1.8 | 45 user reviews |
| Gainsco Mobile App | ||
|---|---|---|
| iOS | 2.6 | 8 user reviews |
| Android | 2.9 | 8 user reviews |
Safeauto & Gainsco Contact Info
| Safeauto Contact Info | |
|---|---|
| Address | 4 Easton Oval, Columbus, Ohio 43219 |
| Phone | 1 (614) 456-2940 |
| Website | https://www.safeauto.com |
| https://www.facebook.com/SafeAuto/ | |
| https://twitter.com/safeauto | |
| Youtube | https://www.youtube.com/c/safeauto |
| https://www.linkedin.com/company/safeauto-insurance-company/ | |
| 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/ | |
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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