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Rates quoted on July 15, 2026 for a 53-year-old female driver with a clean record in Austin, TX (ZIP 78747). Your rate will vary based on credit, prior coverage, and the carrier’s underwriting. InsuranceRateGuard.com earns revenue through advertising and referral relationships, always disclosed.
2020 Honda Accord Insurance: What Three Austin Carriers Actually Quoted
A 2020 Honda Accord insurance quote can swing by more than a thousand dollars depending on which carrier you ask. We ran the same driver profile through GEICO, Progressive, and Liberty Mutual this week, and the six-month premiums came back at $1,034, $1,172, and $2,392.50. That’s a $1,358.50 gap between the cheapest and most expensive quote for the exact same car and the exact same coverage.
This profile is a 53-year-old woman in Austin, Texas, driving an Accord Sport with a clean record. No accidents. No tickets. No DUIs.
That’s about as low-risk as a profile gets, and the quotes still varied wildly. If you’re shopping for coverage on this car in Texas, this comparison shows what’s actually driving that spread and what to check before you buy.
The Driver Profile
Every quote below used the same driver:
- 53-year-old single female
- Austin, TX (ZIP 78747), 14 years at her current address
- Licensed 16 years, valid Texas license
- Employed as a plumber
- Zero accidents, zero violations, no DUIs in the last 5 years
- Drives 20,000 miles a year, commuting 44 miles one way
- Prior carrier: Shelter Insurance, 5 years, no lapse in coverage
The Coverage Package
We asked every carrier for the same coverage limits, so the price differences reflect the carrier, not the policy:
- Bodily injury liability: $100,000/$300,000
- Property damage liability: $100,000
- Collision deductible: $500
- Comprehensive deductible: $500
- Uninsured/underinsured motorist coverage: yes
The vehicle is a 2020 Honda Accord Sport sedan, owned outright with no lienholder.
| CARRIER | 6-MONTH PREMIUM | MONTHLY | VS. LOWEST |
|---|---|---|---|
| GEICO | $1,034.00 | $172.33 | baseline |
| Progressive | $1,172.00 | $195.33 | +$138.00 |
| Liberty Mutual | $2,392.50 | $398.75 | +$1,358.50 |
Source: InsuranceRateGuard.com quote data, July 2026. Quotes pulled directly from each carrier’s website using the profile above.
State Farm was also part of this test but the quote could not be completed due to a site error on State Farm’s end, not a decision by the carrier. We’ll update this post once a State Farm quote comes through. If you’re comparing options yourself, check our car insurance by state guide for how Texas rules affect what you pay.
GEICO: The Lowest Quote, with Two Caveats
GEICO came in cheapest on this profile at $1,034 for six months. The coverage matched the target almost exactly, with one exception: GEICO’s mileage selector wouldn’t let us pick the driver’s actual 20,000 miles a year. It floored the estimate at 21,000 to 21,999 miles once the commute details were entered, so the quote reflects slightly more mileage than the driver actually puts on the car.
GEICO also couldn’t verify a credit-based insurance score for this synthetic profile and generated the quote using a no-credit-hit estimate instead. A real applicant with an established credit history would likely see a different number, higher or lower, once GEICO pulls an actual score. Our credit score vs. credit-based insurance score guide breaks down why that number matters so much to your final rate.
Progressive: A Close Second
Progressive quoted $1,172 for six months on the same coverage package, just $138 more than GEICO. The uninsured motorist property damage portion carries a $250 deductible that isn’t adjustable in Texas. That’s a state-level structural rule, not a Progressive policy choice, and it showed up on GEICO’s quote too.
Progressive didn’t show any sign of a credit check issue during this run, so its number likely reflects a standard credit pull rather than a fallback estimate. On price alone, Progressive is close enough to GEICO that either one is worth a second look for a driver with this kind of clean record. Neither carrier applied a telematics discount to this profile, which makes the two numbers a fairer apples-to-apples comparison than the Liberty Mutual quote below.
Liberty Mutual: More Than Double, with a Telematics Catch
Liberty Mutual’s quote of $2,392.50 is more than double GEICO’s. The coverage limits matched the target exactly: 100/300 bodily injury, $100,000 property damage, and $500 deductibles on collision and comprehensive. So the price gap here isn’t about lighter coverage.
One factor worth flagging: Liberty Mutual’s online quote automatically applies its RightTrack telematics discount, and the flow gave us no way to decline it. GEICO and Progressive, by contrast, did not apply a telematics discount on this run. That means Liberty Mutual’s price already includes a discount the other two carriers’ prices don’t, and the gap could theoretically be even wider without it. On this profile, Liberty Mutual is not the pick if price is the priority.
Why Austin Drivers See a Range Like This
Texas doesn’t cap what insurers can charge, and each carrier weighs risk factors differently. A 44-mile one-way commute pushes annual mileage into a higher risk band with some carriers, which is likely part of why GEICO’s own mileage tool floored the estimate above the driver’s real number. Insurers also treat occupation, years licensed, and prior carrier history differently in their pricing models, so two carriers can look at the identical driver and land on very different numbers.
Credit-based insurance scores add another layer. Texas allows insurers to use credit history in rate-setting, and when a carrier can’t verify a score, as happened with GEICO here, it falls back to an estimate that may not match what a real applicant would pay. According to the Texas Department of Insurance, drivers are entitled to ask their insurer how credit affected their premium and can request a re-rate once their credit history is verified.
Uninsured motorist coverage still earns its keep in Texas. The Insurance Research Council put Texas’s uninsured-driver rate at 14.5% in 2023, roughly one in seven drivers and just below the 15.4% national average. That’s why every carrier in this comparison quoted UM/UIM coverage as a near-mandatory add-on rather than a true optional extra. If you’re weighing how much to carry, our deductibles guide covers how deductible choices interact with your total premium.
Vehicle type plays a role too. A 2020 Accord Sport is a mainstream sedan with strong safety ratings and moderate repair costs, which usually keeps rates lower than a comparable SUV or truck. Our rates by vehicle type breakdown shows how body style and trim shift pricing across carriers.
Prior coverage history matters as well. This driver had five continuous years with Shelter Insurance and no lapse in coverage, which most carriers reward with a lower base rate before any other factors get applied. A driver switching from a lapse in coverage, even a short one, would likely see a quote well above any of the three numbers in the table above. Insurers read a continuous coverage history as a sign of lower risk, and it’s one of the few factors a driver has direct control over heading into a renewal.
Texas also sets a state minimum of 30/60/25 in liability coverage, well below the 100/300 limits quoted in this comparison. Carriers price higher limits differently because the added protection changes how much each insurer expects to pay out in a serious claim. A driver comparing quotes should check that every carrier is pricing the same limits, since a lowball number built on state-minimum coverage will look artificially cheap next to a 100/300 quote like the ones above.
How to Save on Insurance
A $1,358 gap between the cheapest and priciest quote on the same driver and the same coverage is a strong argument for shopping every renewal instead of auto-renewing. Here’s what actually moves the needle:
- Get quotes from at least three carriers before you renew. This comparison shows how much a single carrier choice can cost or save you.
- Ask each carrier whether it applied a telematics or usage-based discount, and whether you can decline it. Liberty Mutual’s quote here baked one in automatically.
- Ask if your quote used a verified credit-based insurance score or a fallback estimate. GEICO’s number above was an estimate, and a verified score could change your real price.
- Keep your coverage limits identical across every quote you compare. A cheaper price on lower limits isn’t actually a better deal.
- Re-shop every 12 months, even if you’re happy with your current carrier. Rates change, and loyalty rarely earns a discount on its own.
- Ask about bundling home or renters coverage with auto. Several carriers, including Liberty Mutual, offer a discount for holding more than one policy with them.
None of these steps take more than a few minutes, and together they’re the difference between paying $1,034 and paying $2,392.50 for the exact same coverage. Start with the free comparison, since that’s where most of the savings on this profile showed up.
Sources Used
- InsuranceRateGuard.com direct carrier quotes: GEICO, Progressive, and Liberty Mutual, pulled July 15, 2026 for the driver profile above.
- Texas Department of Insurance, Credit scoring and insurance
- Insurance Research Council
For related reading, see our guide to car insurance by state and our breakdown of car insurance rates by vehicle type.