Plans disagree · San Diego · California ZIP 92120
State Farm and Tesla Insurance place San Diego ZIP 92120 very differently.
State Farm ranks highest (50.8); Tesla Insurance ranks lowest (6.6). The middle bodily-injury percentile is 36.2. Reviewed plans are 44.2 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
36.2
Middle percentile across available plans.
BI plan spread
44.2
State Farm to Tesla Insurance.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Tesla Insurance lowest.
State Farm
Private Passenger Auto
50.8
Within-plan percentile
Progressive
CA Select PPA
46.7
Within-plan percentile
Travelers
Quantum Auto 2.0
45.8
Within-plan percentile
Farmers
Farmers Auto
26.7
Within-plan percentile
Safeco
Private Passenger Auto
16.0
Within-plan percentile
Tesla Insurance
Tesla PPA
6.6
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 36.2 | 44.2 pts | 6.6 | 16.0 | 45.8 | 26.7 | 46.7 | 50.8 |
| Property damage | 51.5 | 61.2 pts | 24.1 | 52.3 | 56.2 | 13.0 | 74.2 | 50.8 |
| Medical payments | 10.0 | 22.0 pts | 14.1 | 6.0 | 18.4 | 1.8 | 3.2 | 23.8 |
| Uninsured motorist BI | 57.4 | 63.8 pts | 72.2 | 57.4 | — | 8.3 | 46.5 | 63.6 |
| Uninsured motorist PD | 15.8 | 61.7 pts | 70.0 | 21.2 | — | 8.3 | 10.3 | — |
| Comprehensive | 11.1 | 18.6 pts | 10.3 | 20.0 | 14.5 | 11.8 | 8.5 | 1.4 |
| Collision | 12.8 | 33.7 pts | 6.4 | 36.1 | 15.2 | 2.4 | 10.3 | 18.2 |
Widest coverage spread
Uninsured motorist BI
Tesla Insurance and Farmers are 63.8 percentile points apart.
Closest agreement
Comprehensive
Available plans are 18.6 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.