Plans disagree · Oceanside, San Diego County · California ZIP 92054
Tesla Insurance and Progressive place Oceanside ZIP 92054 very differently.
Tesla Insurance ranks highest (74.9); Progressive ranks lowest (30.6). The middle bodily-injury percentile is 56.0. Reviewed plans are 44.3 points apart. Collision splits more (54.3 points), with State Farm highest and Farmers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
56.0
Middle percentile across available plans.
BI plan spread
44.3
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
74.9
Within-plan percentile
Safeco
Private Passenger Auto
71.8
Within-plan percentile
Farmers
Farmers Auto
60.4
Within-plan percentile
State Farm
Private Passenger Auto
51.7
Within-plan percentile
Travelers
Quantum Auto 2.0
50.4
Within-plan percentile
Progressive
CA Select PPA
30.6
Within-plan percentile
State Farm ranks highest (67.7); Farmers ranks lowest (13.4). Collision spread is 54.3 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 | 56.0 | 44.3 pts | 74.9 | 71.8 | 50.4 | 60.4 | 30.6 | 51.7 |
| Property damage | 54.0 | 51.7 pts | 88.9 | 50.8 | 56.2 | 37.2 | 58.5 | 51.7 |
| Medical payments | 62.4 | 69.4 pts | 10.1 | 20.6 | 50.1 | 79.5 | 77.2 | 74.8 |
| Uninsured motorist BI | 58.8 | 42.8 pts | 58.8 | 46.8 | — | 73.3 | 30.4 | 72.2 |
| Uninsured motorist PD | 46.4 | 41.1 pts | 56.8 | 32.1 | — | 73.3 | 36.0 | — |
| Comprehensive | 11.5 | 18.3 pts | 13.2 | 26.8 | 11.2 | 11.8 | 8.5 | 11.3 |
| Collision | 27.6 | 54.3 pts | 53.6 | 14.2 | 19.1 | 13.4 | 36.0 | 67.7 |
Widest coverage spread
Medical payments
Farmers and Tesla Insurance are 69.4 percentile points apart.
Closest agreement
Comprehensive
Available plans are 18.3 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.
Nearby compared ZIPs
Oceanside, San Diego County
92057
Tesla Insurance ranks highest (91.3); Farmers ranks lowest (9.4).
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Progressive ranks highest (82.4); Farmers ranks lowest (7.0).
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92014
Progressive ranks highest (85.7); Safeco ranks lowest (15.2).
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