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Rates quoted on July 3, 2026 for a 31-year-old female driver with a clean record in Fort Worth, TX (ZIP 76107). 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.
We pulled live 2025 Honda Accord insurance quotes for one Fort Worth driver and put three national carriers on the same car, the same driver, and the same target coverage. Progressive came in lowest at $935 for six months. State Farm landed highest at $2,544. Same car, same driver, same coverage, and a spread of about $1,609 over six months between the cheapest and the most expensive.
Every 2025 Honda Accord insurance quote below used the same liability limits and the same deductibles, so this is about as close to a clean side-by-side as a real shopping run gets. The numbers are not estimates from a rating table. They came straight from each carrier’s own quote tool using the exact inputs listed here. A few caveats sit underneath these prices, mostly around credit and telematics, and we spell out each one so the comparison stays fair.
The Driver Profile in Fort Worth
This profile is a 31-year-old single woman who owns her home in Fort Worth. She works full time, holds some college, and has carried a Texas license for 15 years with a clean record. There are no accidents, no violations, and no DUI in the lookback window. Here are the inputs all three carriers rated:
- Age and status: 31, single, homeowner
- Location: Fort Worth, TX, ZIP 76107, five years at the current address
- Driving record: clean, zero accidents and zero violations in three years
- Years licensed: 15
- Prior carrier: Farmers, 10 years insured at 50/100, no lapse
- Vehicle: 2025 Honda Accord, financed
- Annual mileage: about 7,500, primary use marked as commute, roughly 23 miles each way
Most of these inputs work in the driver’s favor. She has 15 years behind the wheel and a clean record, which every carrier reads as low risk. She also owns her home and holds 10 straight years of prior coverage with no lapse, so no carrier treats her as a new buyer.
Her 7,500 miles a year sit well below the roughly 13,500-mile national average tracked by the Federal Highway Administration, and lower mileage usually means a lower rate. The one input that pushes the other way is her prior liability limit of 50/100, which sits below the 100/300 target and can nudge a rate up when a driver moves to higher coverage.
The Coverage Package
We held coverage steady across all three carriers so the comparison stays fair. The target package for each 2025 Honda Accord insurance quote in this run was:
- Bodily injury liability: 100/300 ($100,000 per person, $300,000 per accident)
- Property damage liability: $100,000
- Uninsured and underinsured motorist: included at 100/300
- Collision deductible: $500
- Comprehensive deductible: $500
Texas requires every driver to carry at least 30/60/25 in liability, per the Texas Department of Insurance. This profile buys well above that floor at 100/300 with $100,000 in property damage. The state minimum can leave a driver exposed after one serious crash, so quoting each carrier against the same higher target is the only way to keep the prices comparable. If you want to see how the $500 collision and comprehensive figures change your bill, our guide to auto insurance deductibles walks through the tradeoff.
Quote Results for This Profile
| CARRIER | 6-MONTH PREMIUM | MONTHLY | VS. LOWEST |
|---|---|---|---|
| Progressive | $935 | $155.83 | baseline |
| GEICO | $1,031 | $171.83 | +$96 |
| State Farm | $2,544 | $423.92 | +$1,609 |
Source: InsuranceRateGuard.com quote data, July 2026. Quotes pulled directly from each carrier’s website using the profile above. All three are no-credit-check estimates (see below); actual bound rates may differ.
The three carriers spread about $1,609 apart over six months on matched coverage. Progressive worked out to roughly $155.83 a month, GEICO to about $171.83, and State Farm to about $423.92. On this profile, the lowest option costs close to $268 a month less than the highest, or about $3,218 a year.
That range comes from nothing more than asking three companies the same question on the same car. A fourth carrier, Travelers, was also attempted on this profile and did not return a usable online quote during this run, so the table covers the three that did.
Progressive Came in Cheapest on This Profile
Progressive quoted $935 for six months, or about $155.83 a month, the lowest number in this run. It built a custom package that matched the full target coverage, including 100/300 bodily injury, $100,000 property damage, matching uninsured-motorist limits, and $500 comprehensive and collision deductibles. The $935 figure is the six-month total paid in installments. Paying the full term up front dropped it to $892, a $43 saving for one payment.
Two notes keep this number honest. This profile declined Progressive’s Snapshot telematics program, so the rate reflects a standard price rather than a usage-based discount. Progressive also could not verify credit on this profile, so the quote is a no-credit-check estimate that could move once a full report is pulled. A driver comfortable with monitored driving might trim the number further through Snapshot.
GEICO Landed Second on This Profile
GEICO quoted $1,031 for six months, or about $171.83 a month, roughly $96 above Progressive. That works out to about $16 a month between first and second place. GEICO’s Enhanced tier already carried the target 100/300 bodily injury, $100,000 property damage, and $500 deductibles, so it matched the coverage package without edits.
The caveats mirror Progressive’s. This profile declined GEICO’s DriveEasy telematics program to keep the comparison clean, so the rate assumes no tracked driving. GEICO also could not find an insurance score for the driver and produced a no-credit-check estimate, the same basis that applies to every number in the table. On both credit and telematics, GEICO and Progressive sit on nearly identical footing here.
State Farm Came in Highest on This Profile
State Farm matched the same coverage, 100/300 bodily injury, $100,000 property damage, matching uninsured-motorist limits, and $500 deductibles, yet quoted $2,544 for six months. That is roughly two and a half times the GEICO and Progressive numbers, or about $423.92 a month. State Farm’s Drive Safe & Save telematics discount was declined, the same as the other two.
The gap traces back to one factor: how State Farm handled the missing credit information. This profile declined to provide a Social Security number, so State Farm rated it without a credit-based insurance score, and its no-score rate ran far higher than the no-score rates GEICO and Progressive returned. The takeaway is not that State Farm is always expensive. It is that a thin or missing credit file can cost far more at one carrier than another, which is exactly why the same driver should price more than one company.
What Drives 2025 Honda Accord Insurance in Fort Worth
Several forces shape 2025 Honda Accord insurance prices in Fort Worth, and most of this driver’s profile reads as low risk. A clean 15-year record, 10 years of continuous prior coverage with no lapse, homeownership, and below-average annual mileage all pull the rate down. The factors pushing the other way are the metro itself, the coverage jump from a prior 50/100 policy up to 100/300, and the missing credit score.
Fort Worth sits in a busy metro with heavy commuter traffic and a high share of uninsured drivers. The Insurance Research Council has estimated Texas among the states with more uninsured motorists, which is why the uninsured and underinsured coverage on this profile matters and why carriers price it into a Fort Worth ZIP. Dense urban ZIP codes also carry more claims per driver than rural parts of the state, so two drivers with identical records can pay very different rates a county apart.
The Accord itself is a moderate-cost car to insure. Its parts and repair costs are reasonable, its safety scores are strong, and it is not a frequent theft target, all of which hold the comprehensive and collision pieces down. The bigger swing on this profile was not the car.
Texas allows carriers to use a credit-based insurance score in pricing, and this comparison shows how much weight that single factor can carry: the same clean driver, same car, same coverage, priced from $935 to $2,544 depending mostly on how each company treated the missing score. Our explainer on the credit-based insurance score breaks down why that number moves a rate so much, and because each state runs its own market, the same car can price very differently elsewhere, as our car insurance by state guide shows.
How to Save on Insurance
The $1,609 spread on this single profile is the clearest argument for shopping around. Here are five concrete ways to keep your 2025 Honda Accord insurance bill down.
- Quote at least three carriers on identical coverage before every renewal. The same driver and car produced a $1,609 six-month gap here, and the only way to find it is to compare.
- Match limits and deductibles when you compare. A cheaper quote at lower coverage is not actually cheaper, so line up 100/300 liability and the same deductibles on each quote before you judge the price.
- Know your credit-based insurance score before you shop. Because Texas lets carriers use it, a thin or missing score can swing your rate by thousands, as the State Farm number here shows.
- Ask for the homeowner and multi-policy discount. This driver owns a home, and bundling home and auto often beats the standalone auto rate even before any loyalty credit.
- Choose the deductible you can actually cover. A $500 collision and comprehensive deductible balances a lower premium against an out-of-pocket cost you can absorb, and our deductibles guide walks through the math.
The takeaway is simple. Price the same car and the same target coverage at three carriers before every renewal, and the gap you find is money you keep.