Broadly lower position · Heber, Imperial County · California ZIP 92249
Heber ZIP 92249 ranks near the lower end across plans.
Tesla Insurance ranks highest (31.5); State Farm ranks lowest (13.3). The middle bodily-injury percentile is 23.6. Reviewed plans are 18.2 points apart. Collision splits more (66.1 points), with Farmers highest and Travelers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
23.6
Middle percentile across available plans.
BI plan spread
18.2
Tesla Insurance to State Farm.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, State Farm lowest.
Tesla Insurance
Tesla PPA
31.5
Within-plan percentile
Farmers
Farmers Auto
30.1
Within-plan percentile
Progressive
CA Select PPA
29.0
Within-plan percentile
Safeco
Private Passenger Auto
18.2
Within-plan percentile
Travelers
Quantum Auto 2.0
17.1
Within-plan percentile
State Farm
Private Passenger Auto
13.3
Within-plan percentile
Farmers ranks highest (67.7); Travelers ranks lowest (1.6). Collision spread is 66.1 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 | 23.6 | 18.2 pts | 31.5 | 18.2 | 17.1 | 30.1 | 29.0 | 13.3 |
| Property damage | 10.8 | 60.1 pts | 22.5 | 2.3 | 8.2 | 62.4 | 2.8 | 13.3 |
| Medical payments | 36.2 | 41.9 pts | 16.0 | 29.5 | 42.9 | 57.9 | 17.2 | 53.8 |
| Uninsured motorist BI | 38.6 | 14.5 pts | 43.9 | 30.4 | — | 38.6 | 29.4 | 43.2 |
| Uninsured motorist PD | 52.7 | 58.4 pts | 66.9 | 71.7 | — | 38.6 | 13.3 | — |
| Comprehensive | 97.9 | 27.7 pts | 71.7 | 96.3 | 99.4 | 99.3 | 96.9 | 99.0 |
| Collision | 21.7 | 66.1 pts | 28.7 | 18.1 | 1.6 | 67.7 | 13.3 | 25.3 |
Widest coverage spread
Collision
Farmers and Travelers are 66.1 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 14.5 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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