Coverage · Personal Auto

Auto insurance for Plano and the DFW area.

If you drive in Plano or anywhere across the DFW area, you need auto insurance, and you have more choices than a single company's quote. DFW Insurance Group is an independent agency. We compare car insurance across 15 carriers, match the coverage to how you actually drive, and explain the differences so the decision is yours to make with full information.

30/60/25

Texas liability minimum

Set under Texas Transportation Code.

Carriers shopped per quote

Same day

Quote turnaround typical

Comprehensive

Required for hail coverage

Liability-only does not cover hail.

A family three-row SUV photographed in a clean studio setting.

What auto insurance is required in Texas?

Texas requires every driver to carry minimum liability coverage of 30/60/25. That means $30,000 for injuries per person, $60,000 for total injuries per accident, and $25,000 for property damage, set under the Texas Transportation Code and explained by the Texas Department of Insurance. Liability coverage pays for harm you cause to other people and their property. It does not pay for your own vehicle or your own injuries. Driving without it carries fines that start around $175 and can lead to a suspended license.

Is the Texas minimum enough?

For many drivers, no. The 30/60/25 minimum only covers other people’s costs, and only up to those limits. A serious accident, or one involving a newer vehicle, can run past $25,000 in property damage and well past $30,000 in medical bills quickly, and you are personally responsible for anything above your limits. The Texas Department of Insurance itself recommends considering more than the minimum. We help you weigh higher liability limits, decide whether to add collision and comprehensive coverage for your own vehicle, and look at uninsured motorist coverage, which matters in a state with a meaningful share of uninsured drivers.

Does auto insurance cover hail damage?

Hail damage to your vehicle is covered by comprehensive coverage, not by liability and not by collision. North Texas sees hail often enough that this is worth a real conversation, especially if you park outside. If your policy is liability-only, hail damage to your car is not covered. We will tell you plainly whether comprehensive coverage makes sense for your situation and what it adds to your premium.

Liability pays for the harm you cause to other people and their property in an at-fault accident. The 30/60/25 minimum means $30,000 per injured person, $60,000 total per accident, and $25,000 for property damage. It does not pay for your own car or your own injuries.

In North Texas

Texas sets this minimum under the Transportation Code, and the Texas Department of Insurance openly recommends carrying more. On the Dallas North Tollway or US-75 at rush hour, a single collision with a newer vehicle can blow past the $25,000 property cap before injuries are even counted.

A new full-size truck can total well past $25,000, and anything above your limit is your personal responsibility.

Collision pays to repair or replace your own vehicle after an accident, regardless of fault, minus your deductible. Lenders require it on financed or leased vehicles; on an older paid-off car it becomes a judgment call.

In North Texas

If you commute the DFW metroplex daily, your exposure to a fender-bender is simply higher than someone who rarely drives. We weigh the car's value against the annual cost so the math is yours to see.

Deductible $500 to $1,000 typical. Skip it on a $3,000 car; keep it on anything financed.

Comprehensive covers damage to your car from events other than a collision: hail, theft, vandalism, fire, flood, falling objects, and animal strikes. Liability-only and collision do not touch any of it.

In North Texas

North Texas sits in hail alley. Plano, Frisco, and McKinney see damaging hail most springs, and if you park outside, comprehensive is the only coverage that pays to fix a hail-pocked roof and windshield. This is the single most overlooked line on a DFW auto quote.

A severe hail event can cause $5,000+ in panel and glass damage, and comprehensive minus deductible covers it.

UM/UIM pays for your injuries and (in many policies) your vehicle when the at-fault driver has no insurance or not enough to cover the damage they caused. In Texas, carriers must offer it and you must reject it in writing to go without.

In North Texas

A meaningful share of Texas drivers are uninsured. On a North Texas highway, being hit by one of them is a real scenario, and without UM/UIM you are left absorbing costs someone else caused.

Roughly 1 in 8 Texas drivers is uninsured, and UM/UIM is your backstop when they hit you.

Personal Injury Protection (PIP) and Medical Payments cover medical bills, and PIP also lost wages, for you and your passengers after an accident, no matter who was at fault. Texas requires carriers to offer at least $2,500 of PIP, which you can decline in writing.

In North Texas

Because it pays regardless of fault and without waiting on a liability decision, PIP is one of the most efficient few dollars on a Texas quote for households with kids or carpools.

PIP starts at $2,500 in Texas and is commonly written at $5,000 to $10,000.

The deductible is what you pay out of pocket on a collision or comprehensive claim before coverage kicks in. A higher deductible lowers your premium; a lower one costs more but softens the hit at claim time.

In North Texas

In hail country, the comprehensive deductible matters more than most people expect, because it is the one you are most likely to actually use. We model a couple of deductible levels side by side on every DFW quote.

Moving a comp deductible from $500 to $1,000 can shave a noticeable slice off the annual premium.

Multi-policy (home + auto), multi-vehicle, safe-driver, defensive-driving, paid-in-full, and telematics discounts can stack differently at every carrier. The same driver can land very different prices depending on which carrier's discount structure fits them.

In North Texas

Because we are independent and shop 15 carriers on every quote, we find the carrier whose discount stack actually fits your North Texas household, rather than selling whatever one company happens to offer.

Bundling home and auto commonly saves 8 to 22% across both policies.

Educational summary, not coverage advice or a quote. Figures are illustrative. DFW Insurance Group is a fictional demo agency built by Rivyn AI.

Working with us

How DFW Insurance Group helps.

We shop 15 carriers

More options, side by side, every time. You see what is actually on the market.

Reviewed at renewal

If a better fit appears or your rate rises, we re-shop and can move you without you switching agencies.

Local claims advocacy

When a claim happens, our Plano office is your first call, not a phone tree.

Ready to compare your options?

Request a quote and an agent in Plano will follow up, usually the same business day.

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