Compared ZIP · Oceanside, San Diego County · California ZIP 92056
In Oceanside ZIP 92056, Travelers ranks highest and Farmers ranks lowest.
Travelers ranks highest (58.1); Farmers ranks lowest (34.3). The middle bodily-injury percentile is 48.6. Reviewed plans are 23.8 points apart. Collision splits more (92.3 points), with Tesla Insurance highest and Safeco lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
48.6
Middle percentile across available plans.
BI plan spread
23.8
Travelers to Farmers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Farmers lowest.
Travelers
Quantum Auto 2.0
58.1
Within-plan percentile
Progressive
CA Select PPA
50.9
Within-plan percentile
State Farm
Private Passenger Auto
49.6
Within-plan percentile
Safeco
Private Passenger Auto
47.5
Within-plan percentile
Tesla Insurance
Tesla PPA
43.6
Within-plan percentile
Farmers
Farmers Auto
34.3
Within-plan percentile
Tesla Insurance ranks highest (99.6); Safeco ranks lowest (7.4). Collision spread is 92.3 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 | 48.6 | 23.8 pts | 43.6 | 47.5 | 58.1 | 34.3 | 50.9 | 49.6 |
| Property damage | 59.4 | 22.3 pts | 53.2 | 71.9 | 56.2 | 66.1 | 62.5 | 49.6 |
| Medical payments | 46.6 | 75.7 pts | 43.0 | 28.3 | 50.1 | 77.9 | 2.2 | 57.1 |
| Uninsured motorist BI | 50.9 | 33.5 pts | 55.2 | 49.1 | — | 80.4 | 50.9 | 46.9 |
| Uninsured motorist PD | 52.8 | 34.7 pts | 57.1 | 48.6 | — | 80.4 | 45.6 | — |
| Comprehensive | 5.3 | 68.2 pts | 68.9 | 6.7 | 7.6 | 2.4 | 4.0 | 0.8 |
| Collision | 20.2 | 92.3 pts | 99.6 | 7.4 | 19.1 | 19.3 | 45.6 | 21.2 |
Widest coverage spread
Collision
Tesla Insurance and Safeco are 92.3 percentile points apart.
Closest agreement
Property damage
Available plans are 22.3 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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92026
Progressive ranks highest (82.4); Farmers ranks lowest (7.0).
Read breakdownDel Mar, San Diego County
92014
Progressive ranks highest (85.7); Safeco ranks lowest (15.2).
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