Plans disagree · San Diego · California ZIP 92154
State Farm and Safeco place San Diego ZIP 92154 very differently.
State Farm ranks highest (48.2); Safeco ranks lowest (4.9). The middle bodily-injury percentile is 11.2. Reviewed plans are 43.3 points apart. Collision splits more (79.6 points), with Tesla Insurance highest and Farmers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
11.2
Middle percentile across available plans.
BI plan spread
43.3
State Farm to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Safeco lowest.
State Farm
Private Passenger Auto
48.2
Within-plan percentile
Travelers
Quantum Auto 2.0
30.0
Within-plan percentile
Tesla Insurance
Tesla PPA
11.9
Within-plan percentile
Progressive
CA Select PPA
10.6
Within-plan percentile
Farmers
Farmers Auto
10.1
Within-plan percentile
Safeco
Private Passenger Auto
4.9
Within-plan percentile
Tesla Insurance ranks highest (80.2); Farmers ranks lowest (0.6). Collision spread is 79.6 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 | 11.2 | 43.3 pts | 11.9 | 4.9 | 30.0 | 10.1 | 10.6 | 48.2 |
| Property damage | 23.0 | 41.4 pts | 12.2 | 33.8 | 35.9 | 6.8 | 11.9 | 48.2 |
| Medical payments | 42.3 | 25.3 pts | 50.5 | 35.7 | 37.7 | 46.8 | 57.2 | 31.9 |
| Uninsured motorist BI | 12.6 | 51.4 pts | 16.8 | 56.2 | — | 4.8 | 10.5 | 12.6 |
| Uninsured motorist PD | 24.3 | 51.8 pts | 56.6 | 33.6 | — | 4.8 | 14.9 | — |
| Comprehensive | 93.9 | 28.7 pts | 69.5 | 85.6 | 97.7 | 94.5 | 98.2 | 93.3 |
| Collision | 20.8 | 79.6 pts | 80.2 | 7.4 | 26.6 | 0.6 | 14.9 | 55.2 |
Widest coverage spread
Collision
Tesla Insurance and Farmers are 79.6 percentile points apart.
Closest agreement
Medical payments
Available plans are 25.3 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.
Nearby compared ZIPs
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