Broadly higher position · Santa Monica, Los Angeles County · California ZIP 90405
Santa Monica ZIP 90405 ranks near the higher end across plans.
Progressive ranks highest (97.2); Tesla Insurance ranks lowest (83.7). The middle bodily-injury percentile is 91.8. Reviewed plans are 13.4 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
91.8
Middle percentile across available plans.
BI plan spread
13.4
Progressive to Tesla Insurance.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, Tesla Insurance lowest.
Progressive
CA Select PPA
97.2
Within-plan percentile
Farmers
Farmers Auto
93.7
Within-plan percentile
Travelers
Quantum Auto 2.0
93.0
Within-plan percentile
State Farm
Private Passenger Auto
90.6
Within-plan percentile
Safeco
Private Passenger Auto
84.3
Within-plan percentile
Tesla Insurance
Tesla PPA
83.7
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 91.8 | 13.4 pts | 83.7 | 84.3 | 93.0 | 93.7 | 97.2 | 90.6 |
| Property damage | 93.9 | 7.5 pts | 92.7 | 95.1 | 95.7 | 96.4 | 88.9 | 90.6 |
| Medical payments | 65.6 | 39.3 pts | 58.2 | 64.7 | 83.3 | 66.5 | 73.1 | 44.1 |
| Uninsured motorist BI | 69.0 | 42.9 pts | 69.0 | 54.3 | — | 75.4 | 97.2 | 60.3 |
| Uninsured motorist PD | 85.8 | 16.7 pts | 88.0 | 83.5 | — | 75.4 | 92.1 | — |
| Comprehensive | 17.8 | 50.4 pts | 7.7 | 10.6 | 29.4 | 58.1 | 12.4 | 23.3 |
| Collision | 89.7 | 17.4 pts | 74.8 | 92.2 | 91.0 | 88.4 | 92.1 | 82.1 |
Widest coverage spread
Comprehensive
Farmers and Tesla Insurance are 50.4 percentile points apart.
Closest agreement
Property damage
Available plans are 7.5 percentile points apart.
What this does—and does not—mean.
Percentiles are calculated separately inside each rate plan and coverage. That makes relative positions comparable without pretending that unlike raw factors are the same thing.
A higher percentile does not identify the most expensive insurer. Base rates, driver history, vehicle, mileage, limits, deductibles and discounts still affect the final price.
The comparison uses approved filings from Tesla, Safeco, Travelers, Farmers, Progressive and State Farm. Filing tables can change, and some plans do not provide every coverage for every ZIP.
Nearby compared ZIPs
Los Angeles
90095
Farmers ranks highest (98.5); Safeco ranks lowest (54.7).
Read breakdownLos Angeles
90045
Farmers ranks highest (94.3); Tesla Insurance ranks lowest (51.8).
Read breakdownPlaya del Rey, Los Angeles County
90094
Travelers ranks highest (93.7); Progressive ranks lowest (58.7).
Read breakdown