GAINSCO Insurance

GAINSCO is a Texas car insurer that State Farm has owned since 2020. It focuses on basic, minimum limits car insurance and sells it in Florida.

You can find it on our list of Florida auto insurance companies. Its Florida company code is 01914 and its NAIC number is 40150.

Taking new policiesChecked Oct 20 Auto

Is GAINSCO leaving Florida? No. On Oct 20, 2026 its map of the states where it sells included Florida, and no stop notice was found. As of Oct 20, 2026. Source: gainsco.com.

By , updated

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New policies

Taking new policies

As of Oct 20, 2026

Policies in force

Not available

No count on file

Latest rate change

Not available

No rate change on file

Financial strength

Not available

No rating on file

Complaints

Not available

NAIC

Can I get a policy?

We're still gathering this company's rules. Call and we'll check for you.

Talk to a licensed agent (727) 997-5999

Did your GAINSCO renewal go up?

You have two choices. One 5 minute call covers both.

  • Keep GAINSCO, switch your agent. You sign one form. Same company, same coverage, same price. Only your agent changes, to one who answers the phone.
  • Shop it. Your new agent checks 80+ companies at every renewal.
Talk to a licensed agent (727) 997-5999

Or send a message

Before you call, see the Florida home insurance renewal checklist.

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What's changed recently

  1. State Farm buys GAINSCO

    State Farm bought GAINSCO on Dec. 31, 2020. The deal also took in MGA, the company that issues GAINSCO policies.

  2. GAINSCO's insurer gets the right to sell in Florida

    OIR shows MGA, the company behind GAINSCO, got its Florida license on Nov. 18, 1988.

See every GAINSCO update

Rate history

No rate filings tracked yet.

Want your GAINSCO renewal shopped?

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

38 years in Florida

In Florida since 1988. Has paid claims through 22 hurricanes.

19901995200020052010201520202025 Andrew (1992 , Category 5 at Florida landfall) Andrew Cat 5 Erin (1995 , Category 2 at Florida landfall) Erin Cat 2 Opal (1995 , Category 3 at Florida landfall) Opal Cat 3 Earl (1998 , Category 1 at Florida landfall) Earl Cat 1 Georges (1998 , Category 2 at Florida landfall) Georges Cat 2 Irene (1999 , Category 1 at Florida landfall) Irene Cat 1 Charley (2004 , Category 4 at Florida landfall) Charley Cat 4 Frances (2004 , Category 2 at Florida landfall) Frances Cat 2 Ivan (2004 ) Ivan Jeanne (2004 , Category 3 at Florida landfall) Jeanne Cat 3 Dennis (2005 , Category 3 at Florida landfall) Dennis Cat 3 Wilma (2005 , Category 3 at Florida landfall) Wilma Cat 3 Matthew (2016 ) Matthew Irma (2017 , Category 4 at Florida landfall) Irma Cat 4 Michael (2018 , Category 5 at Florida landfall) Michael Cat 5 Ian (2022 , Category 4 at Florida landfall) Ian Cat 4 Nicole (2022 , Category 1 at Florida landfall) Nicole Cat 1 Idalia (2023 , Category 3 at Florida landfall) Idalia Cat 3 Debby (2024 , Category 1 at Florida landfall) Debby Cat 1 Helene (2024 , Category 4 at Florida landfall) Helene Cat 4 Milton (2024 , Category 3 at Florida landfall) Milton Cat 3 Isaías (2026 , Category 2 at Florida landfall) Isaías Cat 2

Compare GAINSCO side by side

GAINSCO side by side with State Farm and USAA
GAINSCO State Farm USAA
New policies Taking new policies Checked Oct 20, 2026 Taking new policies Checked Oct 19, 2026 Taking some new policies Checked Oct 19, 2026
Florida policies Not available 654,641 Florida OIR, Jul 31, 2026 338,547 Florida OIR, Jul 31, 2026
Latest rate change Not available +0.8% Home, from Jan 15, 2026 Not available
Complaint index Not available 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. 0.83 NAIC, 2025, nationwide, private passenger auto. 1.00 is average.
Financial rating Not available A- (Excellent) AM Best A++ (Superior) AM Best
In Florida since 1988 1934 1958

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Questions people ask about GAINSCO

What is the GAINSCO claims phone number?Call 866-GAINSCO, which is 866-424-6726.

GAINSCO's contact page says to call 24/7 to report a claim. The same number reaches customer service.

Source: GAINSCO contact page, read Oct 20, 2026

Who owns GAINSCO?State Farm.

State Farm Mutual Automobile Insurance Company bought GAINSCO, Inc. on Dec. 31, 2020. GAINSCO is based in Richardson, Texas.

Source: GAINSCO about page, read Oct 20, 2026

What company issues GAINSCO policies?MGA Insurance Company, Inc. is GAINSCO's insurer.

OIR lists it as active in Florida. It has held a Florida license for car insurance since Nov. 18, 1988.

Source: GAINSCO about page and Florida OIR company search, read Oct 20, 2026

Is GAINSCO leaving Florida?There is no sign of it.

On Oct 20, 2026, GAINSCO's map of the states where it sells included Florida.

Source: GAINSCO home page, read Oct 20, 2026

Still deciding? Let us shop your GAINSCO renewal.

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

GAINSCO reviews and complaints: what the public data shows

GAINSCO rating

We have no financial strength rating for GAINSCO.

Florida does not publish complaint or rating data for GAINSCO. What we do have: GAINSCO has been in Florida since 1988.

No star ratings and no user reviews, only public data.