Plans disagree · Fallbrook, San Diego County · California ZIP 92028
Farmers and Progressive place Fallbrook ZIP 92028 very differently.
Farmers ranks highest (69.3); Progressive ranks lowest (26.4). The middle bodily-injury percentile is 53.9. Reviewed plans are 42.9 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
53.9
Middle percentile across available plans.
BI plan spread
42.9
Farmers to Progressive.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, Progressive lowest.
Farmers
Farmers Auto
69.3
Within-plan percentile
Travelers
Quantum Auto 2.0
65.8
Within-plan percentile
State Farm
Private Passenger Auto
55.4
Within-plan percentile
Safeco
Private Passenger Auto
52.4
Within-plan percentile
Tesla Insurance
Tesla PPA
27.3
Within-plan percentile
Progressive
CA Select PPA
26.4
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 53.9 | 42.9 pts | 27.3 | 52.4 | 65.8 | 69.3 | 26.4 | 55.4 |
| Property damage | 52.5 | 64.3 pts | 49.6 | 39.3 | 56.2 | 19.9 | 84.2 | 55.4 |
| Medical payments | 26.0 | 74.1 pts | 3.2 | 22.9 | 54.4 | 14.6 | 29.1 | 77.4 |
| Uninsured motorist BI | 48.0 | 50.4 pts | 76.7 | 76.6 | — | 28.7 | 26.3 | 48.0 |
| Uninsured motorist PD | 38.8 | 32.5 pts | 61.2 | 38.0 | — | 28.7 | 39.7 | — |
| Comprehensive | 14.4 | 24.6 pts | 14.6 | 3.7 | 11.2 | 28.3 | 14.3 | 22.6 |
| Collision | 26.5 | 21.5 pts | 26.5 | 37.8 | 26.6 | 18.1 | 39.7 | 22.1 |
Widest coverage spread
Medical payments
State Farm and Tesla Insurance are 74.1 percentile points apart.
Closest agreement
Collision
Available plans are 21.5 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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