Plans disagree · Desert Hot Sprin, Riverside County · California ZIP 92240
Progressive and Farmers place Desert Hot Sprin ZIP 92240 very differently.
Progressive ranks highest (85.3); Farmers ranks lowest (44.4). The middle bodily-injury percentile is 71.6. Reviewed plans are 40.9 points apart. Collision splits more (53.5 points), with Farmers highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
71.6
Middle percentile across available plans.
BI plan spread
40.9
Progressive to Farmers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, Farmers lowest.
Progressive
CA Select PPA
85.3
Within-plan percentile
Safeco
Private Passenger Auto
84.6
Within-plan percentile
Tesla Insurance
Tesla PPA
77.4
Within-plan percentile
Travelers
Quantum Auto 2.0
65.8
Within-plan percentile
State Farm
Private Passenger Auto
59.5
Within-plan percentile
Farmers
Farmers Auto
44.4
Within-plan percentile
Farmers ranks highest (79.1); Tesla Insurance ranks lowest (25.6). Collision spread is 53.5 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 | 71.6 | 40.9 pts | 77.4 | 84.6 | 65.8 | 44.4 | 85.3 | 59.5 |
| Property damage | 36.3 | 46.2 pts | 13.3 | 40.5 | 42.1 | 26.6 | 32.2 | 59.5 |
| Medical payments | 66.1 | 38.2 pts | 47.5 | 75.8 | 62.3 | 78.7 | 40.5 | 70.0 |
| Uninsured motorist BI | 81.6 | 14.1 pts | 77.2 | 81.6 | — | 76.3 | 85.0 | 90.4 |
| Uninsured motorist PD | 76.4 | 33.6 pts | 76.5 | 87.2 | — | 76.3 | 53.5 | — |
| Comprehensive | 98.8 | 57.2 pts | 42.5 | 98.8 | 98.9 | 99.7 | 99.3 | 95.9 |
| Collision | 59.7 | 53.5 pts | 25.6 | 65.9 | 35.0 | 79.1 | 53.5 | 75.6 |
Widest coverage spread
Comprehensive
Farmers and Tesla Insurance are 57.2 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 14.1 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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