Plans disagree · Julian, San Diego County · California ZIP 92036
Travelers and State Farm place Julian ZIP 92036 very differently.
Travelers ranks highest (58.1); State Farm ranks lowest (4.0). The middle bodily-injury percentile is 43.4. Reviewed plans are 54.1 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
43.4
Middle percentile across available plans.
BI plan spread
54.1
Travelers to State Farm.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, State Farm lowest.
Travelers
Quantum Auto 2.0
58.1
Within-plan percentile
Farmers
Farmers Auto
50.9
Within-plan percentile
Progressive
CA Select PPA
49.9
Within-plan percentile
Tesla Insurance
Tesla PPA
36.9
Within-plan percentile
Safeco
Private Passenger Auto
14.1
Within-plan percentile
State Farm
Private Passenger Auto
4.0
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 43.4 | 54.1 pts | 36.9 | 14.1 | 58.1 | 50.9 | 49.9 | 4.0 |
| Property damage | 12.7 | 45.2 pts | 19.2 | 6.2 | 48.7 | 46.8 | 3.5 | 4.0 |
| Medical payments | 14.0 | 23.2 pts | 13.4 | 11.8 | 18.4 | 14.6 | 27.1 | 3.9 |
| Uninsured motorist BI | 81.2 | 39.3 pts | 89.2 | 55.8 | — | 81.2 | 49.9 | 83.7 |
| Uninsured motorist PD | 41.2 | 52.3 pts | 37.8 | 28.9 | — | 81.2 | 44.6 | — |
| Comprehensive | 61.1 | 72.3 pts | 7.9 | 80.2 | 35.6 | 55.0 | 67.1 | 70.0 |
| Collision | 56.5 | 51.9 pts | 89.8 | 67.7 | 50.0 | 63.0 | 44.6 | 37.9 |
Widest coverage spread
Comprehensive
Safeco and Tesla Insurance are 72.3 percentile points apart.
Closest agreement
Medical payments
Available plans are 23.2 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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