Plans disagree · Spring Valley, San Diego County · California ZIP 91978
Tesla Insurance and Progressive place Spring Valley ZIP 91978 very differently.
Tesla Insurance ranks highest (77.4); Progressive ranks lowest (31.4). The middle bodily-injury percentile is 56.6. Reviewed plans are 46.0 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
56.6
Middle percentile across available plans.
BI plan spread
46.0
Tesla Insurance to Progressive.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, Progressive lowest.
Tesla Insurance
Tesla PPA
77.4
Within-plan percentile
Safeco
Private Passenger Auto
73.3
Within-plan percentile
State Farm
Private Passenger Auto
67.3
Within-plan percentile
Travelers
Quantum Auto 2.0
45.8
Within-plan percentile
Farmers
Farmers Auto
33.1
Within-plan percentile
Progressive
CA Select PPA
31.4
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 56.6 | 46.0 pts | 77.4 | 73.3 | 45.8 | 33.1 | 31.4 | 67.3 |
| Property damage | 54.2 | 40.2 pts | 45.9 | 52.3 | 56.2 | 78.6 | 38.4 | 67.3 |
| Medical payments | 41.5 | 81.4 pts | 45.2 | 35.7 | 37.7 | 83.2 | 1.8 | 50.0 |
| Uninsured motorist BI | 23.3 | 16.4 pts | 23.3 | 21.4 | — | 19.7 | 31.6 | 36.1 |
| Uninsured motorist PD | 31.7 | 16.3 pts | 27.9 | 35.4 | — | 19.7 | 36.0 | — |
| Comprehensive | 48.1 | 32.6 pts | 23.5 | 39.1 | 53.5 | 56.1 | 47.6 | 48.6 |
| Collision | 35.5 | 35.6 pts | 12.2 | 9.3 | 35.0 | 42.4 | 36.0 | 44.9 |
Widest coverage spread
Medical payments
Farmers and Progressive are 81.4 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 16.3 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.