Plans disagree · Spring Valley, San Diego County · California ZIP 91977
State Farm and Farmers place Spring Valley ZIP 91977 very differently.
State Farm ranks highest (71.7); Farmers ranks lowest (11.9). The middle bodily-injury percentile is 28.7. Reviewed plans are 59.8 points apart. Collision splits more (80.3 points), with Tesla Insurance highest and Farmers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
28.7
Middle percentile across available plans.
BI plan spread
59.8
State Farm to Farmers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Farmers lowest.
State Farm
Private Passenger Auto
71.7
Within-plan percentile
Travelers
Quantum Auto 2.0
58.1
Within-plan percentile
Safeco
Private Passenger Auto
28.7
Within-plan percentile
Tesla Insurance
Tesla PPA
28.6
Within-plan percentile
Progressive
CA Select PPA
24.3
Within-plan percentile
Farmers
Farmers Auto
11.9
Within-plan percentile
Tesla Insurance ranks highest (87.5); Farmers ranks lowest (7.2). Collision spread is 80.3 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 | 28.7 | 59.8 pts | 28.6 | 28.7 | 58.1 | 11.9 | 24.3 | 71.7 |
| Property damage | 52.6 | 54.8 pts | 49.1 | 70.8 | 56.2 | 16.9 | 35.7 | 71.7 |
| Medical payments | 38.3 | 45.7 pts | 38.8 | 36.4 | 37.7 | 32.1 | 76.2 | 77.8 |
| Uninsured motorist BI | 41.8 | 49.0 pts | 73.9 | 34.8 | — | 67.9 | 24.9 | 41.8 |
| Uninsured motorist PD | 72.1 | 22.7 pts | 76.2 | 77.9 | — | 67.9 | 55.2 | — |
| Comprehensive | 53.0 | 34.2 pts | 71.2 | 41.5 | 53.5 | 52.4 | 74.2 | 40.0 |
| Collision | 36.4 | 80.3 pts | 87.5 | 8.2 | 42.0 | 7.2 | 55.2 | 30.9 |
Widest coverage spread
Collision
Tesla Insurance and Farmers are 80.3 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 22.7 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.