Plans disagree · Oceanside, San Diego County · California ZIP 92058
State Farm and Safeco place Oceanside ZIP 92058 very differently.
State Farm ranks highest (75.5); Safeco ranks lowest (8.6). The middle bodily-injury percentile is 41.7. Reviewed plans are 66.9 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
41.7
Middle percentile across available plans.
BI plan spread
66.9
State Farm to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Safeco lowest.
State Farm
Private Passenger Auto
75.5
Within-plan percentile
Tesla Insurance
Tesla PPA
62.4
Within-plan percentile
Travelers
Quantum Auto 2.0
50.4
Within-plan percentile
Farmers
Farmers Auto
33.1
Within-plan percentile
Progressive
CA Select PPA
32.9
Within-plan percentile
Safeco
Private Passenger Auto
8.6
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 41.7 | 66.9 pts | 62.4 | 8.6 | 50.4 | 33.1 | 32.9 | 75.5 |
| Property damage | 59.9 | 27.4 pts | 52.9 | 53.3 | 56.2 | 63.5 | 80.3 | 75.5 |
| Medical payments | 50.2 | 55.5 pts | 66.7 | 50.2 | 50.1 | 17.2 | 36.0 | 72.7 |
| Uninsured motorist BI | 61.7 | 47.9 pts | 61.7 | 77.1 | — | 80.4 | 32.5 | 56.0 |
| Uninsured motorist PD | 63.3 | 47.9 pts | 60.4 | 66.2 | — | 80.4 | 32.5 | — |
| Comprehensive | 8.4 | 24.1 pts | 17.1 | 25.2 | 10.3 | 3.1 | 1.1 | 6.6 |
| Collision | 31.7 | 61.3 pts | 64.0 | 30.7 | 11.1 | 31.0 | 32.5 | 72.4 |
Widest coverage spread
Bodily injury
State Farm and Safeco are 66.9 percentile points apart.
Closest agreement
Comprehensive
Available plans are 24.1 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.
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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