Plans disagree · Carlsbad, San Diego County · California ZIP 92010
Progressive and Tesla Insurance place Carlsbad ZIP 92010 very differently.
Progressive ranks highest (78.4); Tesla Insurance ranks lowest (26.9). The middle bodily-injury percentile is 47.4. Reviewed plans are 51.5 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
47.4
Middle percentile across available plans.
BI plan spread
51.5
Progressive to Tesla Insurance.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, Tesla Insurance lowest.
Progressive
CA Select PPA
78.4
Within-plan percentile
State Farm
Private Passenger Auto
71.2
Within-plan percentile
Travelers
Quantum Auto 2.0
50.4
Within-plan percentile
Farmers
Farmers Auto
44.4
Within-plan percentile
Safeco
Private Passenger Auto
37.6
Within-plan percentile
Tesla Insurance
Tesla PPA
26.9
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 47.4 | 51.5 pts | 26.9 | 37.6 | 50.4 | 44.4 | 78.4 | 71.2 |
| Property damage | 59.3 | 47.2 pts | 24.1 | 55.0 | 62.6 | 69.2 | 56.0 | 71.2 |
| Medical payments | 29.9 | 38.0 pts | 4.9 | 31.7 | 42.9 | 28.1 | 37.4 | 5.3 |
| Uninsured motorist BI | 56.0 | 32.3 pts | 56.0 | 50.1 | — | 77.2 | 77.2 | 44.9 |
| Uninsured motorist PD | 29.5 | 53.2 pts | 33.1 | 24.0 | — | 77.2 | 25.8 | — |
| Comprehensive | 3.2 | 11.7 pts | 12.3 | 11.1 | 2.4 | 0.6 | 4.0 | 0.8 |
| Collision | 24.4 | 36.7 pts | 17.7 | 22.9 | 1.2 | 30.1 | 25.8 | 37.9 |
Widest coverage spread
Uninsured motorist PD
Farmers and Safeco are 53.2 percentile points apart.
Closest agreement
Comprehensive
Available plans are 11.7 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.
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