Plans disagree · Warner Springs, San Diego County · California ZIP 92086
Tesla Insurance and Safeco place Warner Springs ZIP 92086 very differently.
Tesla Insurance ranks highest (87.5); Safeco ranks lowest (23.0). The middle bodily-injury percentile is 35.2. Reviewed plans are 64.5 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
35.2
Middle percentile across available plans.
BI plan spread
64.5
Tesla Insurance to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, Safeco lowest.
Tesla Insurance
Tesla PPA
87.5
Within-plan percentile
Progressive
CA Select PPA
54.9
Within-plan percentile
Farmers
Farmers Auto
42.2
Within-plan percentile
State Farm
Private Passenger Auto
28.2
Within-plan percentile
Travelers
Quantum Auto 2.0
26.1
Within-plan percentile
Safeco
Private Passenger Auto
23.0
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 35.2 | 64.5 pts | 87.5 | 23.0 | 26.1 | 42.2 | 54.9 | 28.2 |
| Property damage | 33.2 | 61.7 pts | 89.9 | 30.5 | 35.9 | 47.9 | 28.5 | 28.2 |
| Medical payments | 24.3 | 28.7 pts | 16.6 | 20.6 | 30.2 | 28.1 | 45.3 | 18.2 |
| Uninsured motorist BI | 56.9 | 37.4 pts | 78.5 | 56.9 | — | 89.3 | 54.8 | 51.8 |
| Uninsured motorist PD | 63.0 | 66.5 pts | 58.1 | 67.9 | — | 89.3 | 22.7 | — |
| Comprehensive | 31.7 | 35.6 pts | 7.1 | 24.9 | 35.6 | 31.8 | 31.6 | 42.7 |
| Collision | 30.3 | 67.1 pts | 89.8 | 25.7 | 26.6 | 52.4 | 22.7 | 33.9 |
Widest coverage spread
Collision
Tesla Insurance and Progressive are 67.1 percentile points apart.
Closest agreement
Medical payments
Available plans are 28.7 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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