Compared ZIP · San Diego · California ZIP 92105
In San Diego ZIP 92105, State Farm ranks highest and Farmers ranks lowest.
State Farm ranks highest (87.5); Farmers ranks lowest (57.6). The middle bodily-injury percentile is 68.3. Reviewed plans are 29.9 points apart. Collision splits more (71.7 points), with State Farm highest and Progressive lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
68.3
Middle percentile across available plans.
BI plan spread
29.9
State Farm to Farmers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Farmers lowest.
State Farm
Private Passenger Auto
87.5
Within-plan percentile
Safeco
Private Passenger Auto
81.4
Within-plan percentile
Progressive
CA Select PPA
70.8
Within-plan percentile
Travelers
Quantum Auto 2.0
65.8
Within-plan percentile
Tesla Insurance
Tesla PPA
60.3
Within-plan percentile
Farmers
Farmers Auto
57.6
Within-plan percentile
State Farm ranks highest (86.8); Progressive ranks lowest (15.1). Collision spread is 71.7 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 | 68.3 | 29.9 pts | 60.3 | 81.4 | 65.8 | 57.6 | 70.8 | 87.5 |
| Property damage | 65.7 | 57.5 pts | 68.7 | 85.7 | 62.6 | 30.1 | 48.8 | 87.5 |
| Medical payments | 94.3 | 97.2 pts | 0.9 | 93.4 | 65.8 | 95.2 | 98.1 | 96.5 |
| Uninsured motorist BI | 88.7 | 20.8 pts | 88.7 | 90.2 | — | 84.5 | 71.5 | 92.3 |
| Uninsured motorist PD | 84.5 | 78.4 pts | 93.5 | 84.6 | — | 84.5 | 15.1 | — |
| Comprehensive | 66.6 | 56.9 pts | 23.9 | 58.7 | 66.0 | 80.7 | 67.1 | 78.6 |
| Collision | 50.7 | 71.7 pts | 53.2 | 67.1 | 26.6 | 48.2 | 15.1 | 86.8 |
Widest coverage spread
Medical payments
Progressive and Tesla Insurance are 97.2 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 20.8 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.