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Texas
Dragon Insurance Services is licensed in Texas. We provide independent guidance for auto, home, business, and specialty coverage. Our advisors focus on metro and suburban communities in the DFW metroplex and across Texas and can help you compare rates, coverage, and carrier options across 30+ carriers.
Minimum Requirements
Texas requires minimum auto liability of 30/60/25: $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. Texas is an at-fault state. Carriers must offer PIP and uninsured motorist coverage, both of which drivers may reject in writing.
Regional Risk Factors
Carrier Availability
Carrier appetite in Texas varies significantly by hail zone, roof age, construction type, and proximity to coastal areas. DFW clients often see wide rate variation across carriers due to storm risk.
Coverage Available in Texas
Compare carriers and find your best rate.
Dragon Insurance is an independent agency in Camp Hill, PA we shop 30+ carriers to find the right coverage at the right price.
Common Questions About Insurance in Texas
Texas requires minimum liability of 30/60/25: $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. Texas is an at-fault state. Texas carriers must also offer Personal Injury Protection (PIP) and Uninsured Motorist (UM) coverage, but drivers may reject both in writing. With approximately 14 percent of Texas drivers uninsured, we recommend keeping UM coverage.
Texas has some of the highest home insurance rates in the country due to frequent hailstorms, windstorms, and hurricane exposure in coastal areas. The DFW metro sits in one of the highest-hail-risk zones in the US. Roof age and construction type have a significant impact on pricing. We compare carriers to find competitive options for your specific ZIP code.
No. Standard homeowners insurance does not cover floods. Texas flooding events, from Gulf Coast hurricanes to inland flash floods in the DFW area, make separate flood insurance worth considering for many homeowners. We compare NFIP and private flood coverage options.
Yes. We are licensed in Texas and work with clients in Arlington and across the DFW metroplex including Fort Worth, Irving, Grand Prairie, Mansfield, Euless, and Bedford. We compare 30 plus carriers for auto, home, and business insurance. See our Arlington, TX location page for more details.