Compared ZIP · Mount Laguna, San Diego County · California ZIP 91948
In Mount Laguna ZIP 91948, Farmers ranks highest and State Farm ranks lowest.
Farmers ranks highest (49.9); State Farm ranks lowest (11.7). The middle bodily-injury percentile is 25.0. Reviewed plans are 38.1 points apart. Collision splits more (55.6 points), with Progressive highest and Farmers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
25.0
Middle percentile across available plans.
BI plan spread
38.1
Farmers to State Farm.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, State Farm lowest.
Farmers
Farmers Auto
49.9
Within-plan percentile
Travelers
Quantum Auto 2.0
37.1
Within-plan percentile
Progressive
CA Select PPA
27.3
Within-plan percentile
Safeco
Private Passenger Auto
22.7
Within-plan percentile
Tesla Insurance
Tesla PPA
20.9
Within-plan percentile
State Farm
Private Passenger Auto
11.7
Within-plan percentile
Progressive ranks highest (74.8); Farmers ranks lowest (19.3). Collision spread is 55.6 points, wider than bodily injury.
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 25.0 | 38.1 pts | 20.9 | 22.7 | 37.1 | 49.9 | 27.3 | 11.7 |
| Property damage | 19.7 | 43.7 pts | 55.5 | 20.3 | 48.7 | 12.2 | 19.2 | 11.7 |
| Medical payments | 25.0 | 74.0 pts | 46.9 | 14.1 | 26.1 | 88.0 | 14.0 | 23.8 |
| Uninsured motorist BI | 43.2 | 37.5 pts | 31.1 | 43.2 | — | 43.9 | 27.2 | 64.7 |
| Uninsured motorist PD | 52.0 | 34.6 pts | 60.1 | 40.2 | — | 43.9 | 74.8 | — |
| Comprehensive | 38.5 | 46.9 pts | 15.6 | 59.4 | 41.9 | 62.5 | 29.4 | 35.1 |
| Collision | 42.2 | 55.6 pts | 34.4 | 67.7 | 50.0 | 19.3 | 74.8 | 20.4 |
Widest coverage spread
Medical payments
Farmers and Progressive are 74.0 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 34.6 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.
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