Compared ZIP · Valley Center, San Diego County · California ZIP 92082
In Valley Center ZIP 92082, Tesla Insurance ranks highest and Travelers ranks lowest.
Tesla Insurance ranks highest (73.3); Travelers ranks lowest (50.4). The middle bodily-injury percentile is 59.0. Reviewed plans are 22.9 points apart. Collision splits more (38.4 points), with Farmers highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
59.0
Middle percentile across available plans.
BI plan spread
22.9
Tesla Insurance to Travelers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, Travelers lowest.
Tesla Insurance
Tesla PPA
73.3
Within-plan percentile
Farmers
Farmers Auto
70.8
Within-plan percentile
Progressive
CA Select PPA
61.8
Within-plan percentile
State Farm
Private Passenger Auto
56.3
Within-plan percentile
Safeco
Private Passenger Auto
52.4
Within-plan percentile
Travelers
Quantum Auto 2.0
50.4
Within-plan percentile
Farmers ranks highest (56.1); Tesla Insurance ranks lowest (17.7). Collision spread is 38.4 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 | 59.0 | 22.9 pts | 73.3 | 52.4 | 50.4 | 70.8 | 61.8 | 56.3 |
| Property damage | 57.4 | 35.2 pts | 58.4 | 39.3 | 48.7 | 74.6 | 74.2 | 56.3 |
| Medical payments | 42.1 | 57.1 pts | 54.7 | 29.5 | 58.4 | 5.9 | 1.8 | 59.0 |
| Uninsured motorist BI | 81.0 | 25.5 pts | 87.1 | 81.0 | — | 77.2 | 62.5 | 88.0 |
| Uninsured motorist PD | 53.0 | 34.7 pts | 42.5 | 54.0 | — | 77.2 | 52.1 | — |
| Comprehensive | 16.4 | 24.4 pts | 6.3 | 22.3 | 14.5 | 18.3 | 29.4 | 5.0 |
| Collision | 40.6 | 38.4 pts | 17.7 | 39.3 | 42.0 | 56.1 | 52.1 | 32.5 |
Widest coverage spread
Medical payments
State Farm and Progressive are 57.1 percentile points apart.
Closest agreement
Bodily injury
Available plans are 22.9 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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