Plans disagree · San Diego · California ZIP 92115
State Farm and Progressive place San Diego ZIP 92115 very differently.
State Farm ranks highest (81.3); Progressive ranks lowest (34.8). The middle bodily-injury percentile is 62.1. Reviewed plans are 46.5 points apart. Collision splits more (61.1 points), with State Farm highest and Farmers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
62.1
Middle percentile across available plans.
BI plan spread
46.5
State Farm to Progressive.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Progressive lowest.
State Farm
Private Passenger Auto
81.3
Within-plan percentile
Safeco
Private Passenger Auto
68.2
Within-plan percentile
Travelers
Quantum Auto 2.0
65.8
Within-plan percentile
Tesla Insurance
Tesla PPA
58.4
Within-plan percentile
Farmers
Farmers Auto
41.5
Within-plan percentile
Progressive
CA Select PPA
34.8
Within-plan percentile
State Farm ranks highest (71.3); Farmers ranks lowest (10.2). Collision spread is 61.1 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 | 62.1 | 46.5 pts | 58.4 | 68.2 | 65.8 | 41.5 | 34.8 | 81.3 |
| Property damage | 63.6 | 41.4 pts | 71.0 | 76.4 | 56.2 | 41.7 | 39.8 | 81.3 |
| Medical payments | 69.4 | 68.3 pts | 15.3 | 74.5 | 65.8 | 62.4 | 73.1 | 83.6 |
| Uninsured motorist BI | 86.2 | 61.6 pts | 96.4 | 77.6 | — | 93.3 | 34.8 | 86.2 |
| Uninsured motorist PD | 70.8 | 68.6 pts | 70.7 | 70.9 | — | 93.3 | 24.6 | — |
| Comprehensive | 30.4 | 33.0 pts | 19.4 | 43.5 | 35.6 | 52.4 | 25.3 | 22.6 |
| Collision | 35.0 | 61.1 pts | 45.5 | 43.4 | 26.6 | 10.2 | 24.6 | 71.3 |
Widest coverage spread
Uninsured motorist PD
Farmers and Progressive are 68.6 percentile points apart.
Closest agreement
Comprehensive
Available plans are 33.0 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.