Broadly higher position · San Clemente, Orange County · California ZIP 92055
San Clemente ZIP 92055 ranks near the higher end across plans.
Progressive ranks highest (97.7); Travelers ranks lowest (75.3). The middle bodily-injury percentile is 95.0. Reviewed plans are 22.4 points apart. Collision splits more (35.9 points), with Progressive highest and Travelers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
95.0
Middle percentile across available plans.
BI plan spread
22.4
Progressive to Travelers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, Travelers lowest.
Progressive
CA Select PPA
97.7
Within-plan percentile
Safeco
Private Passenger Auto
95.4
Within-plan percentile
Tesla Insurance
Tesla PPA
95.3
Within-plan percentile
State Farm
Private Passenger Auto
94.8
Within-plan percentile
Farmers
Farmers Auto
87.5
Within-plan percentile
Travelers
Quantum Auto 2.0
75.3
Within-plan percentile
Progressive ranks highest (99.9); Travelers ranks lowest (64.1). Collision spread is 35.9 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 | 95.0 | 22.4 pts | 95.3 | 95.4 | 75.3 | 87.5 | 97.7 | 94.8 |
| Property damage | 95.2 | 19.1 pts | 97.8 | 95.7 | 79.8 | 94.2 | 98.9 | 94.8 |
| Medical payments | 30.7 | 40.5 pts | 33.3 | 21.3 | 58.7 | 28.1 | 50.8 | 18.2 |
| Uninsured motorist BI | 34.9 | 79.6 pts | 34.9 | 24.1 | — | 69.2 | 97.7 | 18.0 |
| Uninsured motorist PD | 53.7 | 71.6 pts | 38.2 | 28.3 | — | 69.2 | 99.9 | — |
| Comprehensive | 71.2 | 69.7 pts | 28.5 | 88.2 | 18.5 | 72.4 | 74.2 | 70.0 |
| Collision | 93.9 | 35.9 pts | 66.1 | 97.4 | 64.1 | 92.7 | 99.9 | 95.1 |
Widest coverage spread
Uninsured motorist BI
Progressive and State Farm are 79.6 percentile points apart.
Closest agreement
Property damage
Available plans are 19.1 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.
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