Plans disagree · El Centro, Imperial County · California ZIP 92243
Travelers and Farmers place El Centro ZIP 92243 very differently.
Travelers ranks highest (45.8); Farmers ranks lowest (0.0). The middle bodily-injury percentile is 27.1. Reviewed plans are 45.8 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
27.1
Middle percentile across available plans.
BI plan spread
45.8
Travelers to Farmers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Farmers lowest.
Travelers
Quantum Auto 2.0
45.8
Within-plan percentile
Progressive
CA Select PPA
34.1
Within-plan percentile
State Farm
Private Passenger Auto
27.8
Within-plan percentile
Safeco
Private Passenger Auto
26.4
Within-plan percentile
Tesla Insurance
Tesla PPA
18.3
Within-plan percentile
Farmers
Farmers Auto
0.0
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 27.1 | 45.8 pts | 18.3 | 26.4 | 45.8 | 0.0 | 34.1 | 27.8 |
| Property damage | 14.4 | 23.3 pts | 10.7 | 15.6 | 13.0 | 13.2 | 34.0 | 27.8 |
| Medical payments | 31.2 | 52.3 pts | 38.2 | 24.2 | 49.6 | 64.8 | 12.5 | 12.7 |
| Uninsured motorist BI | 14.6 | 30.9 pts | 14.6 | 4.8 | — | 3.1 | 34.1 | 29.9 |
| Uninsured motorist PD | 31.6 | 37.9 pts | 30.2 | 33.0 | — | 3.1 | 41.0 | — |
| Comprehensive | 93.7 | 42.2 pts | 56.7 | 72.8 | 98.9 | 91.7 | 95.7 | 96.3 |
| Collision | 41.1 | 50.7 pts | 52.8 | 41.3 | 2.1 | 51.4 | 41.0 | 35.4 |
Widest coverage spread
Medical payments
Farmers and Progressive are 52.3 percentile points apart.
Closest agreement
Property damage
Available plans are 23.3 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.
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