Plans disagree · El Cajon, San Diego County · California ZIP 92021
Safeco and Farmers place El Cajon ZIP 92021 very differently.
Safeco ranks highest (79.3); Farmers ranks lowest (27.7). The middle bodily-injury percentile is 66.5. Reviewed plans are 51.6 points apart. Collision splits more (63.4 points), with Safeco highest and Farmers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
66.5
Middle percentile across available plans.
BI plan spread
51.6
Safeco to Farmers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Safeco highest, Farmers lowest.
Safeco
Private Passenger Auto
79.3
Within-plan percentile
Progressive
CA Select PPA
75.4
Within-plan percentile
State Farm
Private Passenger Auto
67.3
Within-plan percentile
Travelers
Quantum Auto 2.0
65.8
Within-plan percentile
Tesla Insurance
Tesla PPA
48.5
Within-plan percentile
Farmers
Farmers Auto
27.7
Within-plan percentile
Safeco ranks highest (79.0); Farmers ranks lowest (15.6). Collision spread is 63.4 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 | 66.5 | 51.6 pts | 48.5 | 79.3 | 65.8 | 27.7 | 75.4 | 67.3 |
| Property damage | 65.0 | 45.6 pts | 49.4 | 80.9 | 62.6 | 41.0 | 86.5 | 67.3 |
| Medical payments | 26.6 | 53.3 pts | 7.8 | 34.7 | 18.4 | 61.2 | 16.2 | 42.9 |
| Uninsured motorist BI | 57.2 | 34.0 pts | 57.2 | 70.2 | — | 41.3 | 75.3 | 52.3 |
| Uninsured motorist PD | 44.3 | 41.8 pts | 62.4 | 47.3 | — | 41.3 | 20.5 | — |
| Comprehensive | 41.7 | 30.1 pts | 27.1 | 41.5 | 41.9 | 39.1 | 57.2 | 48.6 |
| Collision | 26.7 | 63.4 pts | 30.7 | 79.0 | 42.0 | 15.6 | 20.5 | 22.8 |
Widest coverage spread
Collision
Safeco and Farmers are 63.4 percentile points apart.
Closest agreement
Comprehensive
Available plans are 30.1 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.