Does GAINSCO File an SR-22?
GAINSCO calls itself a leader in SR-22 compliance and says it transmits the filing electronically the same day. It is also unusually clear about who is behind the brand: the policies are underwritten by MGA Insurance Company, Inc., a Texas-domiciled admitted insurer.
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What GAINSCO says, in their own words
GAINSCO's agent guidance is direct about the mechanics: “We handle everything for you - we can file for you instantly with same-day electronic transmission, and we offer flexible payment options.” It is equally direct about the corporate structure, which most brands in this market leave to a footer: “GAINSCO's insurance company subsidiary is MGA Insurance Company, Inc.” That distinction matters, because the company that files the certificate is the company that underwrites the policy, and the two are not always the same brand. Every statement here is quoted from GAINSCO and linked.
What is settled, and what is not
Strengths
They name the underwriter
GAINSCO publishes that its policies are underwritten by MGA Insurance Company, Inc., an admitted insurer domiciled in Texas. Several brands on this site do not make that as easy to find.
They describe the transmission
GAINSCO says it files “instantly with same-day electronic transmission”, which is a claim about mechanics rather than about your premium.
They name states that do not need one
GAINSCO's own guidance says New Mexico, Oklahoma, Pennsylvania and Maryland do not require SR-22 certificates. A carrier telling you that you may not need the product is worth reading.
Considerations
The state count does not agree with itself
GAINSCO's pages give a state list, a headline figure of “22 States”, and a separate announcement about entering Idaho. We have not reconciled them, and neither has GAINSCO on the page. Ask about your state rather than counting.
There is a fee, and they do not size it
GAINSCO says “There is a nominal fee associated with the filing. Any additional fees or surcharges will vary by state.” It publishes no figure, and we will not invent one.
Filing is not the same as accepting
Whether any carrier will write a given record, in a given state, is underwriting. No carrier publishes who it declines.
How to get a real answer
Three steps, none of which involve trusting a page like this one.
- 01
Check your state first
GAINSCO says four states do not require the certificate at all. If yours is one of them, the rest of this is moot.
- 02
Ask who writes the policy
The filing attaches to a policy underwritten by MGA Insurance Company, Inc. Ask what that means for your record and your state.
- 03
Compare at the same time
Carriers that specialize in high-risk filings say so plainly, and comparing while you have someone on the phone costs nothing.
What it costs, and who decides
We have no published figure to give you and would not invent one. The fee below is the STATE's charge, not the carrier's: it is small, fixed, and in the four states that do not use SR-22 at all there is no filing fee because there is no filing. The premium is the part that moves, and it is set against your record by whoever writes the policy.
GAINSCO, quoted
On the filing
“We handle everything for you - we can file for you instantly with same-day electronic transmission, and we offer flexible payment options.”
On who underwrites
“GAINSCO's insurance company subsidiary is MGA Insurance Company, Inc.”
On states that do not need one
“New Mexico, Oklahoma, Pennsylvania, and Maryland do not require SR-22 certificates.”
Does GAINSCO offer SR-22 insurance?
- Does GAINSCO file an SR-22?
- On its own site, yes. GAINSCO describes itself as a leader in SR-22 compliance and says “We handle everything for you - we can file for you instantly with same-day electronic transmission, and we offer flexible payment options.”
- Who actually underwrites the policy?
- GAINSCO publishes this plainly: “GAINSCO's insurance company subsidiary is MGA Insurance Company, Inc.” The SR-22 attaches to that policy. GAINSCO also publishes that MGA is a licensed, admitted insurer domiciled in Texas.
- Is GAINSCO a carrier or an agency?
- Both descriptions appear on its site: it names MGA Insurance Company as its underwriting subsidiary, and separately says it sells “through independent agents, State Farm agents, and direct-to-consumer” channels. The underwriter is the entity that files.
- Are there states where I would not need an SR-22 at all?
- GAINSCO names four: “New Mexico, Oklahoma, Pennsylvania, and Maryland do not require SR-22 certificates.” That matches what those states publish. It is unusual for a carrier to say so.
- Which states does GAINSCO sell in?
- GAINSCO publishes a state list, a headline figure of “22 States”, and a separate announcement about entering Idaho. Those do not reconcile on the page, so ask about your state rather than relying on a count.
- Does GAINSCO charge for the filing?
- It says there is one but does not size it: “There is a nominal fee associated with the filing. Any additional fees or surcharges will vary by state.” The state's own filing fee is typically $15 to $25.
- How is the SR-22 added to a policy?
- GAINSCO's agent guidance describes selecting SR-22 from a “State Filing” dropdown and entering the case number, and notes the quote screen differs in Alabama, Florida, Georgia, South Carolina and Texas.
- What happens if my policy lapses?
- GAINSCO says the insurer contacts the state immediately if the policy lapses or is cancelled for non-payment. That reporting duty is the point of the certificate.
- Can a new violation restart the term?
- GAINSCO's guidance says it can. The period is set by your state, not by the carrier.
- Does GAINSCO handle FR-44?
- Its guidance addresses the SR-22 and does not make the same commitment for the FR-44, which applies only in Florida and Virginia. Ask directly if you are in either.
- Does that mean GAINSCO will insure me?
- Whether any carrier will write a given record, in a given state, is underwriting. No carrier publishes who it declines, so the only reliable way to find out is to ask with your record in front of you.
- How much is the filing fee itself?
- $15 to $25 in most states. That is the state's charge for processing the certificate, not GAINSCO's price for the policy, and the four states that do not use SR-22 charge nothing because there is nothing to file. What you pay GAINSCO is a premium, set against your record.
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The question a page cannot answer
Whether GAINSCO or anyone else will write your record, and what they would charge, comes down to your state and your history. A licensed agent can compare carriers that file SR-22s in your state and tell you what one would cost. It takes about three minutes and the referral is free.
SR-22 Insurance Now is an independent referral service. We are not an insurance agency, we are not affiliated with GAINSCO, and GAINSCO has not reviewed this page. Quotations are from gainsco.com, read on 2026-08-25.