Plans disagree · Descanso, San Diego County · California ZIP 91916
Progressive and Safeco place Descanso ZIP 91916 very differently.
Progressive ranks highest (85.7); Safeco ranks lowest (15.6). The middle bodily-injury percentile is 31.6. Reviewed plans are 70.2 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
31.6
Middle percentile across available plans.
BI plan spread
70.2
Progressive to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, Safeco lowest.
Progressive
CA Select PPA
85.7
Within-plan percentile
Travelers
Quantum Auto 2.0
58.1
Within-plan percentile
State Farm
Private Passenger Auto
34.2
Within-plan percentile
Farmers
Farmers Auto
29.0
Within-plan percentile
Tesla Insurance
Tesla PPA
22.2
Within-plan percentile
Safeco
Private Passenger Auto
15.6
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 31.6 | 70.2 pts | 22.2 | 15.6 | 58.1 | 29.0 | 85.7 | 34.2 |
| Property damage | 13.6 | 52.2 pts | 4.1 | 10.2 | 56.2 | 6.0 | 16.9 | 34.2 |
| Medical payments | 23.7 | 66.9 pts | 9.8 | 21.3 | 26.1 | 75.8 | 34.8 | 9.0 |
| Uninsured motorist BI | 19.7 | 75.0 pts | 20.8 | 19.2 | — | 19.7 | 85.6 | 10.6 |
| Uninsured motorist PD | 25.6 | 26.4 pts | 33.6 | 31.4 | — | 19.7 | 7.3 | — |
| Comprehensive | 33.5 | 34.9 pts | 50.8 | 39.1 | 28.1 | 31.8 | 35.3 | 15.9 |
| Collision | 38.0 | 40.8 pts | 18.5 | 48.1 | 42.0 | 43.2 | 7.3 | 33.9 |
Widest coverage spread
Uninsured motorist BI
Progressive and State Farm are 75.0 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 26.4 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.
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