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States We Serve
Dragon Insurance is licensed in Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky. The required limits, the fault rules, and the coverages you cannot skip are different in all seven. Here they are side by side, then pick your state for the full guide.
Licensed States
We are continually expanding our footprint. If you do not see your state listed, contact us and we will confirm availability.
Every figure below is a legal minimum set by that state, not a price. Minimums are a legal floor, not a coverage recommendation: anything above your limit after an at-fault crash comes out of your own pocket.
| State | Minimum liability | Fault system | Also required | Worth knowing |
|---|---|---|---|---|
| Pennsylvania | 15/30/5 | At-fault | $5,000 First Party Benefits | You must elect Limited or Full Tort, which changes your right to sue. |
| Texas | 30/60/25 | At-fault, 51% bar | PIP and UM offered, may reject in writing | A 2025 bill to raise the minimum to 50/100/40 died in committee. |
| Virginia | 50/100/25 | At-fault, contributory negligence | Uninsured motorist at your liability limits | Raised from 30/60/20 by House Bill 1077, effective January 1, 2025. |
| Maryland | 30/60/15 | At-fault, contributory negligence | $2,500 PIP and UM at your liability limits | PIP is mandatory unless you reject it in writing. |
| Ohio | 25/50/25 | At-fault | None beyond liability | Insurers are not even required to offer UM, so you must ask for it. |
| Tennessee | 25/50/25 | At-fault, 50% bar | None beyond liability | Property damage rose from $15,000 to $25,000 on January 1, 2023. |
| Kentucky | 25/50/25 | Choice no-fault | $10,000 PIP | You may reject no-fault in writing to preserve full tort rights. |
Limits are written as bodily injury per person / bodily injury per accident / property damage. Requirements change, so verify with your state insurance department or call Dragon Insurance at 717-229-5115 before relying on any figure here.
Which states is Dragon Insurance licensed in?
Dragon Insurance is licensed in Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky. Our office is in Camp Hill, Pennsylvania, and we serve every other state by phone and online. We compare 30+ carriers in all seven.
Which state has the highest minimum car insurance requirement?
Among the states Dragon serves, Virginia has the highest minimum at 50/100/25, raised from 30/60/20 by House Bill 1077 effective January 1, 2025. Pennsylvania has the lowest at 15/30/5. A low minimum is not the same as adequate coverage, since anything above your limit comes out of your own pocket.
What is the difference between an at-fault and a no-fault state?
In an at-fault state the driver who causes the crash is responsible for the other party's injuries and damage. Kentucky is the exception among Dragon's states: it uses choice no-fault, where your own $10,000 PIP pays first regardless of blame, and you may reject no-fault in writing. Virginia and Maryland add contributory negligence, one of the strictest rules in the country.
Do I need uninsured motorist coverage in every state?
No, and the rules differ sharply. Virginia and Maryland require uninsured motorist coverage at the same limits as your liability coverage. Texas requires carriers to offer it, but you may reject it in writing. Ohio does not require insurers to offer it at all, so you have to request it. We recommend carrying it everywhere.
Compare Coverage Across Our States
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