Texas Ranger MGA

What Texas Ranger MGA does

Texas Ranger MGA is a privately held Managing General Agency that operates as a subsidiary within the Warrior Insurance Network (WIN), distributing standard personal auto insurance exclusively through a network of independent insurance agencies and producers. Founded as part of WIN's effort to expand into the Texas market (with WIN's broader network originating in 1980), the company offers a single core product, the USIC Texas Ranger Personal Auto Insurance Program, underwritten by United Security Insurance Company and Home State County Mutual Insurance Company. The company is headquartered in Chicago, IL, and distributes across the Southeast, Southwest, Midwest, Mid-Atlantic, and Mountain West regions of the United States.

The company's technology infrastructure is built on GuideWire InsuranceNow for quoting, endorsement, and payment processing on standard Texas Ranger policies (prefix PA), and PTS (Policy Technology Services) for Texas Renegade policies (prefix TR), enabling 24/7 producer access through the WIN producer portal. Its differentiating technical feature is physical damage coverage based on actual vehicle value rather than traditional ISO symbol rating, allowing for more precise pricing. The product offers 6-month policy terms with coverage including Bodily Injury, Property Damage, Collision, Comprehensive, Uninsured/Underinsured Motorist, PIP, Med-pay, Towing, Rental, and Special Equipment, with discounts up to 40% and multiple payment plan options.

Texas Ranger MGA generates revenue through commissions on auto insurance premiums distributed through its producer network. Pricing is quote-based and not publicly disclosed. The go-to-market is entirely B2B-to-B2C, targeting independent insurance agencies that sell to individual consumers seeking standard auto coverage with flexible payment terms. The company employs 101-250 people and has no disclosed funding, M&A activity, or revenue figures. AI usage is limited to content creation assistance with human review, and is explicitly excluded from any decision-making affecting customers or operations.

Name

Texas Ranger MGA

Legal name

Texas Ranger Managing General Agency

Website

https://texasrangermga.com

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

101–250 employees

Short description

Texas Ranger MGA is a privately held Managing General Agency within Warrior Insurance Network that distributes standard personal auto insurance through independent insurance agencies across multiple US states, using GuideWire and PTS platforms for policy processing.

Ownership category

akta.pro rank

Headquarters

HQ city

Chicago

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Auto Insurance Premiums: Texas Ranger MGA generates revenue through standard auto insurance policy premiums. The company offers 6-month policies with multiple payment plan options including Pay-In-Full, 6-Pay Equity 17, 6-Pay with 20% down, 5-Pay, and 5-Pay with EFT. Discounts apply up to 40% maximum including Multi-Car, Homeowner, Good Driving Record, Good Student, Paid-In-Full, and Renewal Buy-In discounts.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Texas Ranger MGA is a Managing General Agency that distributes standard personal auto insurance products—underwritten by United Security Insurance Company and Home State County Mutual Insurance Company—exclusively through a network of independent insurance agencies and producers. Its core offering is the Texas Ranger Personal Auto Insurance Program, a 6-month standard auto policy with Bodily Injury, Property Damage, Collision, Comprehensive, Uninsured/Underinsured Motorist, PIP, Med-pay, Towing, Rental, and Special Equipment coverage, multiple payment plans (Pay-In-Full, 6-Pay, 5-Pay with EFT), and discounts up to 40%. Producers quote and service policies through GuideWire InsuranceNow (PA prefix) and PTS (TR prefix for Texas Renegade) via the Warrior Insurance Network producer portal 24/7.

Product overview

Texas Ranger MGA is a Managing General Agency that operates as part of the Warrior Insurance Network (WIN). The company offers a single core product: the USIC Texas Ranger Personal Auto Insurance Program, a standard auto insurance offering with 6-month policies. The program includes a comprehensive range of coverage types (Bodily Injury, Property Damage, Collision, Comprehensive, Uninsured/Underinsured Motorist, PIP, Med-pay, Towing, Rental, and Special Equipment) and offers multiple discounts (Multi-Car, Homeowner, Good Driving Record, Good Student, Paid-In-Full, Renewal Buy-In, and Vehicle Make/Model) with payment plan options including Pay-In-Full, 6-Pay, and 5-Pay variants. The company uses GuideWire InsuranceNow for Texas Ranger policies (policy prefix PA) and PTS for Texas Renegade policies (policy prefix TR) to enable producers to quote, endorse, and post payments.

Differentiator

Problem solved

Functional benefit

Products and services

• Texas Ranger Personal Auto Insurance Program A standard personal auto insurance program underwritten by United Security Insurance Company, providing 6-month standard auto policies with coverage for Bodily Injury, Property Damage, Collision, Comprehensive, Uninsured/Underinsured Motorist, PIP, Med-pay, Towing, Rental, and Special Equipment. Sold exclusively through independent insurance agencies and producers who access raters and place business 24/7 through GuideWire InsuranceNow under the PA policy prefix. Targets consumers in Texas and adjacent states and producers seeking flexible, competitive standard auto products.
• Texas Renegade Auto Insurance Policies (TR prefix) A standard auto insurance product line for Texas-based policies distinguished by the TR policy prefix and serviced through the PTS (Policy Technology Services) platform for endorsement and payment processing by producers. Accessed by producers via the Warrior Insurance Network producer portal 24/7.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Five partnerships are on record, tiered core.

• Warrior Insurance Network (WIN)coreStrategic or Co-development PartnerTexas Ranger MGA is a proud member of Warrior Insurance Network (WIN), which encompasses multiple insurance companies and agencies. Since 1980, WIN's member companies have been involved in underwriting and sales of auto insurance, life, health ancillary insurance products, and full-line P&C insurance products through a network of various insurance carriers. Texas Ranger was created to expand WIN's presence in the Texas market.
• United Security Insurance Company (USIC)coreStrategic or Co-development PartnerTexas Ranger MGA offers United Security Insurance Company's Texas Ranger Personal Auto Insurance Program. USIC is the underwriting carrier providing the insurance products distributed through Texas Ranger's network of independent agents.
• Home State County Mutual Insurance CompanycoreStrategic or Co-development PartnerHome State County Mutual Insurance Company is listed as one of the underwriting carriers for Texas Ranger MGA, alongside United Security Insurance Company. Located in Waco, Texas.
• GuideWire (InsuranceNow)coreTechnology or IntegrationGuideWire InsuranceNow is used by Texas Ranger producers to quote, endorse, or post payments for Texas Ranger policies with policy prefix PA. This is the core technology platform for policy management.
• PTS (Policy Technology Services)coreTechnology or IntegrationPTS (Policy Technology Services) platform is used by Texas Ranger producers to endorse or post payments for Texas Renegade policies with policy prefix TR. This is a core technology platform for policy processing.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Burns & Wilcox: Burns & Wilcox is a large national MGA distributing personal and commercial lines through a wholesale/retail agency network. Direct parallel to Texas Ranger MGA as a managing general agency that delegates underwriting authority and earns commission/fees for placing carrier paper with independent producers.
• RPS (Risk Placement Services): RPS is a national wholesale brokerage and MGA placing personal and specialty lines with retail agents. Comparable to Texas Ranger MGA in business model (delegated underwriting / program administration) and emphasis on producer enablement, though with broader specialty exposure beyond personal auto.
• K2 Insurance Services: K2 is an MGA platform operating multiple program brands distributing through independent agencies. Closely comparable as a multi-brand MGA model with carrier partnerships and producer-direct technology, similar to Texas Ranger's role within WIN.
• Amwins Group: Amwins is the largest US specialty wholesale distributor and MGA, placing personal and commercial lines with retail producers. Comparable to Texas Ranger MGA as a wholesale/MGA channel partner, but far broader in product and geographic scope.
• Acceptance Insurance: Acceptance is a national non-standard personal auto carrier-MGA distributing through owned/affiliated retail stores across the South. Comparable to Texas Ranger in Texas personal auto focus and producer-distributed model, though at the non-standard segment.

Broad incumbents

• Markel Corporation: Markel is a specialty insurer with significant MGA and program business, including personal auto-adjacent lines. Comparable at the parent-organization level to WIN's structure around Texas Ranger MGA, but with much greater diversification and capital base.
• USAA: USAA is one of the largest Texas personal auto writers with a direct/membership-based distribution model. Comparable at the product-line level (personal auto in Texas), but not at the distribution model (direct-to-member vs. independent agency).
• Nationwide Mutual Insurance: Nationwide writes significant Texas personal auto through both captive and independent channels. Comparable as a broad incumbent P&C carrier whose independent agency channel overlaps with Texas Ranger MGA's producer base.

Regional players

• Texas Farm Bureau Insurance: Texas Farm Bureau Insurance is a regional P&C insurer with deep Texas personal auto penetration and an exclusive-agent distribution model. Comparable as another Texas-focused personal auto provider, but uses captive rather than independent agents.
• Germania Insurance: Germania Insurance is a Texas-domiciled mutual P&C carrier writing personal auto and home primarily in Texas. Closely comparable to Texas Ranger MGA in Texas personal auto focus, though Germania is the carrier rather than the MGA.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/TexasRangerMGA
• LinkedInlinkedin.com/company/texas-ranger-mga

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Texas Ranger MGA