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Texas
Dragon Insurance is an independent agency licensed in Texas, serving Arlington, the greater DFW metroplex, and communities across the state. We compare 30+ carriers including Progressive, GEICO, and Liberty Mutual to find the lowest rate for your driving record, vehicle, and ZIP code, including in North Texas ZIP codes where hail and wind risk drive up comprehensive pricing. Most Texas drivers get a quote in under 1 hour, entirely by phone or online.
Independent agency. Licensed in Texas. 30+ carriers compared. 60+ five-star reviews.
Most Texas drivers, whether in Arlington, Fort Worth, Dallas, or a smaller North Texas town, buy car insurance from whoever they used last year, or whoever their parents used, without ever finding out whether a better rate exists for their exact profile.
Dragon Insurance is an independent agency, which means we work for you, not for any single carrier. When you call us, we quote your driver profile across 30+ carriers in one conversation and show you which one wins for your situation. Captive agents who represent a single company can only quote that one rate. We compare all of them.
We are licensed statewide in Texas and serve Arlington, Fort Worth, Irving, Grand Prairie, Mansfield, and the rest of the DFW metroplex entirely by phone and online, with no office visit required. This matters even more in North Texas, where hail and wind exposure make comprehensive coverage pricing vary widely from one carrier to the next for the same ZIP code.
Want to see how carrier comparison works before you call? Read our guide to comparing auto insurance quotes.
30+ carriers in one call
Progressive, GEICO, Liberty Mutual, The General, and more. We compare all of them for your specific profile.
Texas's 30/60/25 minimum, explained
We know Texas's at-fault system and the state's 30/60/25 minimum. We also stay current on legislative changes, including HB 4178's failed attempt to raise minimums, so you always get accurate information.
DFW hail and wind risk, factored in
North Texas carries some of the country's highest hail exposure. We compare carriers whose comprehensive pricing actually reflects your ZIP code's real risk.
60+ five-star reviews
Real clients across Arlington, Fort Worth, and communities throughout the DFW metroplex who called back after their first renewal.
Texas's minimum liability requirement is 30/60/25 today, per the Texas Department of Insurance. A 2025 bill that would have raised these limits died in committee and never took effect. Here is what the law requires today and what most experienced Texas drivers actually buy.
| Coverage | TX Minimum | Recommended |
|---|---|---|
| Bodily Injury Liability | $30,000 / $60,000 | $100,000 / $300,000 |
| Property Damage Liability | $25,000 | $100,000 |
| Personal Injury Protection (PIP) | Must be offered; can be rejected in writing | Keep it, do not waive |
| Uninsured / Underinsured Motorist | Must be offered; can be rejected in writing | Keep it at full limits |
| Comprehensive (hail/wind) | Not required | Strongly recommended in DFW and North Texas |
| Proof of Insurance | Verified electronically by TxDMV; continuous coverage required | Maintain continuous coverage |
House Bill 4178 would have raised Texas's minimum to 50/100/40 effective January 1, 2026, but died in committee on June 2, 2025, and never became law. Texas's minimum remains 30/60/25. State minimums are the legal floor, not a coverage recommendation. Call us to discuss the right limits for your situation.
Dragon Insurance is licensed statewide in Texas and serves families and businesses across the DFW metroplex and beyond.
Arlington
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Fort Worth
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Irving
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Grand Prairie
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Mansfield
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Euless
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Bedford
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Dallas
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Plano
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Garland
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Featured Location
Looking for Arlington-specific coverage details?
Visit our Arlington, TX auto insurance page for local carrier availability, DFW-area rate guidance, and answers to the questions Arlington drivers ask us most.
View Arlington, TX Auto InsuranceExplore all Texas coverage on our Texas insurance page or start with our Arlington, TX auto insurance page.
Questions Texas drivers ask us most often, including whether the state's minimum coverage requirements are changing.
Texas requires minimum liability coverage of 30/60/25: $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage, per the Texas Department of Insurance. Texas carriers must also offer Personal Injury Protection (PIP) and Uninsured/Underinsured Motorist (UM/UIM) coverage with every policy, though drivers may reject either in writing. Texas is an at-fault state.
No, not currently. House Bill 4178 in the 89th Texas Legislature would have raised the state minimum to 50/100/40, effective January 1, 2026, but the bill died in committee on June 2, 2025, and never passed. Texas's minimum liability requirement remains 30/60/25 today. Some websites still describe the 50/100/40 figures as if they took effect; they did not. We track Texas Department of Insurance requirements directly and will update this page if the legislature revisits the issue.
Texas carriers are required to offer Personal Injury Protection (PIP) and Uninsured/Underinsured Motorist (UM/UIM) coverage on every auto policy, but drivers may decline either in writing. PIP pays medical expenses and lost wages regardless of fault, and UM/UIM protects you if the at-fault driver carries no insurance or not enough. With an estimated 14 percent of Texas drivers uninsured, we generally recommend keeping both rather than rejecting them.
According to Bankrate's 2026 Texas rate analysis, Texas drivers pay an average of $196 per month for full coverage and $63 per month for minimum coverage, both above the national average, driven in part by hail, wind, and theft risk across the state. Your exact rate depends on your ZIP code, driving record, vehicle, and the coverage limits you choose above the 30/60/25 minimum. As an independent broker, we compare 30+ carriers including Progressive, GEICO, and Liberty Mutual to find your most competitive rate.
The Dallas-Fort Worth metroplex sits in one of the highest hail-risk corridors in the country, and North Texas also sees tornado activity, flash flooding, and a high volume of vehicle theft in some ZIP codes. Carrier appetite and pricing for comprehensive coverage vary significantly across DFW ZIP codes as a result. This is exactly where comparing multiple carriers matters most, since one company's hail-loss pricing model can differ sharply from another's for the same vehicle and ZIP code.
Texas is an at-fault, tort state. The driver who causes an accident is responsible for the other party's property damage and injuries through their liability coverage. Because Texas does not require drivers to carry PIP or UM/UIM (only requires carriers to offer it), a meaningful share of Texas drivers are underinsured or uninsured, which is why we recommend keeping UM/UIM coverage rather than waiving it.
Often yes. An independent agent compares multiple carriers for your specific driver profile rather than quoting only one company. Dragon Insurance compares 30+ carriers in one call, including Progressive, GEICO, Liberty Mutual, and National General. In a state where hail zone, roof age, and ZIP code swing pricing as much as they do in Texas, comparing carriers is the most reliable way to keep your premium competitive.
Yes. Non-standard carriers like The General specialize in coverage for Texas drivers with a DUI history, multiple violations, or a prior coverage lapse. We also handle SR-22 filings for Texas license reinstatement after a suspension. Rates will be higher than a clean-record policy, but coverage is available, and comparing carriers still makes a meaningful difference.
Yes. Dragon Insurance is licensed in Texas and serves Arlington and the greater DFW metroplex, including Fort Worth, Irving, Grand Prairie, Mansfield, Euless, and Bedford. We compare 30+ carriers for auto, home, renters, and business insurance entirely by phone and online. See our Arlington, TX auto insurance page for local details.
Texas
Dragon Insurance compares 30+ carriers for drivers across Arlington, the DFW metroplex, and the rest of Texas, including ZIP codes with elevated hail and wind risk. Most quotes are ready in under 1 hour, entirely by phone or online.
60+ five-star reviews · 2,500+ clients served · Independent agency, licensed in Texas
Blog
More guidance for Texas drivers.
April 24, 2026
How to Compare Auto Insurance Quotes (Step-by-Step)
What to review before you switch carriers, including liability limits, deductibles, and discounts that actually lower your rate.
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June 6, 2026
The General Auto Insurance Review (2026): Cost, Ratings, Reviews & Better Alternatives
The General specializes in high-risk and SR-22 auto insurance. See real 2026 costs, the A+ financial strength vs. below-average claims service, who it fits, and the on-panel carriers that often beat it.
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June 14, 2026
Independent vs Captive Insurance Agent: Which Should You Use?
An independent agent represents many carriers and compares them for you. A captive agent sells one company. Here is the difference, when each makes sense, and why more choice usually wins.
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