Plans disagree · Imperial Beach, San Diego County · California ZIP 91932
State Farm and Progressive place Imperial Beach ZIP 91932 very differently.
State Farm ranks highest (75.8); Progressive ranks lowest (6.5). The middle bodily-injury percentile is 56.2. Reviewed plans are 69.3 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
56.2
Middle percentile across available plans.
BI plan spread
69.3
State Farm to Progressive.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Progressive lowest.
State Farm
Private Passenger Auto
75.8
Within-plan percentile
Tesla Insurance
Tesla PPA
62.4
Within-plan percentile
Travelers
Quantum Auto 2.0
58.1
Within-plan percentile
Farmers
Farmers Auto
54.3
Within-plan percentile
Safeco
Private Passenger Auto
42.8
Within-plan percentile
Progressive
CA Select PPA
6.5
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 56.2 | 69.3 pts | 62.4 | 42.8 | 58.1 | 54.3 | 6.5 | 75.8 |
| Property damage | 50.9 | 27.1 pts | 49.1 | 49.1 | 48.7 | 73.8 | 52.6 | 75.8 |
| Medical payments | 17.7 | 79.2 pts | 18.8 | 14.5 | 37.7 | 85.0 | 5.8 | 16.5 |
| Uninsured motorist BI | 6.2 | 10.6 pts | 5.4 | 6.2 | — | 12.2 | 6.5 | 1.6 |
| Uninsured motorist PD | 61.1 | 50.2 pts | 60.4 | 62.3 | — | 12.2 | 61.8 | — |
| Comprehensive | 88.2 | 64.3 pts | 32.9 | 88.2 | 97.1 | 88.2 | 97.2 | 88.3 |
| Collision | 36.8 | 55.6 pts | 53.6 | 6.2 | 26.6 | 31.9 | 61.8 | 41.7 |
Widest coverage spread
Medical payments
Farmers and Progressive are 79.2 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 10.6 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.