Plans disagree · San Diego · California ZIP 92108
Farmers and Safeco place San Diego ZIP 92108 very differently.
Farmers ranks highest (75.6); Safeco ranks lowest (28.0). The middle bodily-injury percentile is 48.4. Reviewed plans are 47.6 points apart. Collision splits more (69.4 points), with Safeco highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
48.4
Middle percentile across available plans.
BI plan spread
47.6
Farmers to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, Safeco lowest.
Farmers
Farmers Auto
75.6
Within-plan percentile
State Farm
Private Passenger Auto
64.4
Within-plan percentile
Travelers
Quantum Auto 2.0
58.1
Within-plan percentile
Tesla Insurance
Tesla PPA
38.7
Within-plan percentile
Progressive
CA Select PPA
30.6
Within-plan percentile
Safeco
Private Passenger Auto
28.0
Within-plan percentile
Safeco ranks highest (82.0); Tesla Insurance ranks lowest (12.6). Collision spread is 69.4 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 | 48.4 | 47.6 pts | 38.7 | 28.0 | 58.1 | 75.6 | 30.6 | 64.4 |
| Property damage | 56.5 | 43.7 pts | 56.8 | 75.8 | 56.2 | 32.1 | 52.6 | 64.4 |
| Medical payments | 33.4 | 73.2 pts | 93.2 | 34.7 | 26.1 | 32.1 | 37.4 | 20.1 |
| Uninsured motorist BI | 46.8 | 80.0 pts | 91.5 | 46.8 | — | 89.3 | 30.4 | 11.5 |
| Uninsured motorist PD | 54.0 | 74.4 pts | 56.8 | 14.9 | — | 89.3 | 51.2 | — |
| Comprehensive | 72.6 | 67.5 pts | 11.5 | 70.4 | 35.6 | 74.8 | 78.9 | 79.0 |
| Collision | 48.5 | 69.4 pts | 12.6 | 82.0 | 26.6 | 71.0 | 51.2 | 45.8 |
Widest coverage spread
Uninsured motorist BI
Tesla Insurance and State Farm are 80.0 percentile points apart.
Closest agreement
Property damage
Available plans are 43.7 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.