Plans disagree · Beaumont, Riverside County · California ZIP 92223
State Farm and Travelers place Beaumont ZIP 92223 very differently.
State Farm ranks highest (68.3); Travelers ranks lowest (26.1). The middle bodily-injury percentile is 47.4. Reviewed plans are 42.2 points apart. Collision splits more (59.5 points), with Tesla Insurance highest and Progressive lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
47.4
Middle percentile across available plans.
BI plan spread
42.2
State Farm to Travelers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Travelers lowest.
State Farm
Private Passenger Auto
68.3
Within-plan percentile
Progressive
CA Select PPA
61.8
Within-plan percentile
Farmers
Farmers Auto
52.8
Within-plan percentile
Safeco
Private Passenger Auto
41.9
Within-plan percentile
Tesla Insurance
Tesla PPA
30.8
Within-plan percentile
Travelers
Quantum Auto 2.0
26.1
Within-plan percentile
Tesla Insurance ranks highest (91.0); Progressive ranks lowest (31.5). Collision spread is 59.5 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 | 47.4 | 42.2 pts | 30.8 | 41.9 | 26.1 | 52.8 | 61.8 | 68.3 |
| Property damage | 40.7 | 61.5 pts | 37.8 | 44.2 | 27.7 | 6.8 | 43.6 | 68.3 |
| Medical payments | 15.6 | 50.4 pts | 2.9 | 9.6 | 30.2 | 52.7 | 2.2 | 21.6 |
| Uninsured motorist BI | 56.4 | 32.7 pts | 56.4 | 52.8 | — | 82.3 | 62.5 | 49.5 |
| Uninsured motorist PD | 48.0 | 50.8 pts | 47.3 | 48.8 | — | 82.3 | 31.5 | — |
| Comprehensive | 52.5 | 17.2 pts | 53.4 | 64.0 | 53.5 | 50.5 | 51.5 | 46.8 |
| Collision | 43.2 | 59.5 pts | 91.0 | 44.5 | 42.0 | 40.1 | 31.5 | 45.8 |
Widest coverage spread
Property damage
State Farm and Farmers are 61.5 percentile points apart.
Closest agreement
Comprehensive
Available plans are 17.2 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.
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