Plans disagree · Pauma Valley, San Diego County · California ZIP 92061
Progressive and Safeco place Pauma Valley ZIP 92061 very differently.
Progressive ranks highest (87.1); Safeco ranks lowest (46.3). The middle bodily-injury percentile is 70.2. Reviewed plans are 40.8 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
70.2
Middle percentile across available plans.
BI plan spread
40.8
Progressive to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, Safeco lowest.
Progressive
CA Select PPA
87.1
Within-plan percentile
Farmers
Farmers Auto
75.2
Within-plan percentile
State Farm
Private Passenger Auto
74.5
Within-plan percentile
Tesla Insurance
Tesla PPA
65.8
Within-plan percentile
Travelers
Quantum Auto 2.0
58.1
Within-plan percentile
Safeco
Private Passenger Auto
46.3
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 70.2 | 40.8 pts | 65.8 | 46.3 | 58.1 | 75.2 | 87.1 | 74.5 |
| Property damage | 42.4 | 45.2 pts | 34.5 | 29.3 | 48.7 | 60.7 | 36.0 | 74.5 |
| Medical payments | 43.4 | 61.2 pts | 6.0 | 27.3 | 58.4 | 67.2 | 54.9 | 31.9 |
| Uninsured motorist BI | 74.6 | 39.8 pts | 55.2 | 47.1 | — | 74.6 | 86.9 | 75.3 |
| Uninsured motorist PD | 78.0 | 19.2 pts | 93.8 | 76.9 | — | 74.6 | 79.2 | — |
| Comprehensive | 31.7 | 36.4 pts | 33.3 | 30.1 | 16.0 | 52.4 | 20.3 | 48.6 |
| Collision | 61.6 | 25.0 pts | 61.4 | 54.1 | 57.1 | 61.8 | 79.2 | 76.3 |
Widest coverage spread
Medical payments
Farmers and Tesla Insurance are 61.2 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 19.2 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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