Sentry vs. Gainsco Insurance

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

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Sentry vs. Gainsco: What You Need to Know

Sentry insurance specializes in business insurance and its subsidiary, Dairyland, sells high-risk car insurance, which includes SR-22 and FR-44 filings.

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 Sentry Overview and GAINSCO Auto Insurance Overview.

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

Below is a list of the average rates that drivers typically pay with Sentry and GAINSCO Auto Insurance. On average, Sentry charges approximately $250.01 per month while GAINSCO Auto Insurance comes in at around $ per month. For Sentry, the cheapest state average is Washington at $241.32 per month and the most expensive is Washington at $241.32 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

GAINSCO Auto Insurance

Average Rate


Average Rate

State Sentry GAINSCO Auto Insurance
Washington $241.32 -

Sentry 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 Sentry and GAINSCO Auto Insurance typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Sentry GAINSCO Auto Insurance
1 Vehicle $240.50 $

Sentry 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 Sentry charges $280.13 per month and GAINSCO Auto Insurance charges $ per month for customers who own their home.

Own/Rent Sentry GAINSCO Auto Insurance
Own $280.13 $
Rent $241.85 $

What is Sentry and Gainsco Insurance Rating?

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

Year Founded19041978
A.M. Best RatingA+B+
BBB RatingA+A+
Financial StrengthExcellentAbove Average
NAIC Complaint Ratio2.34

Sentry or Gainsco: Insurance Products Offered

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

Auto Insurance
Commercial Insurance
Home Insurance
Life Insurance

Sentry or Gainsco: Ways To Save

Sentry offers a wide range of discounts to its policyholders, including Homeowners, Multi-vehicle, and Payment Frequencys discounts. In contrast, Gainsco also offers a few discounts that Sentry doesn’t, including Renewal, Prior GAINSCO Coverage, and Prior Coverage discounts. Start taking advantage of discounts offered by insurance providers like Gainsco and Sentry insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Driving Course DiscountsAdvance Purchase Discount
Homeowners DiscountAgency Internal Transfer Discount
Multi-vehicle DiscountAuto-Pay Discount
Payment Frequency DiscountsHomeowner Discount
Transfer DiscountLength of Ownership (Loyalty Discount)
Vehicle Safety Feature DiscountsMulti-car Discount
Pay-in-Full Discount
Prior Coverage Discount
Prior GAINSCO Coverage Discount
Renewal Discount

Pros & Cons of Sentry & Gainsco


  • Sentry offers a comprehensive suite of business insurance products.
  • Sentry offers high-risk insurance through Dairyland Insurance.
  • Flexible insurance policies
  • Easily customizable policies
  • Affordable rates and transparent pricing.


  • Sentry does not offer basic car insurance to the average driver, only high-risk drivers through Dairyland and auto insurance for business fleets and cars.
  • High customer-complaint ratio
  • The website doesn’t accept electronic payments.

Sentry or Gainsco Mobile Apps Options

The Sentry Mobile parking app is available for iOS and Android. The app interacts with your parking meter in real-time and lets you buy time on an MPS parking meter. You can also access a map of nearby meters and parking space availability.

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.

Sentry Mobile App
iOS     2.75 user reviews
Android     3.18 user reviews
Gainsco Mobile App
iOS     2.68 user reviews
Android     2.98 user reviews

Sentry & Gainsco Contact Info

Sentry Contact Info
Address1800 North Point Drive, Stevens Point, WI 54481
Phone1 (800) 473-6879
Gainsco Contact Info
Address3333 Lee Parkway, Dallas, TX 75219

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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