Plans disagree · Joshua Tree, San Bernardino County · California ZIP 92252
Tesla Insurance and Farmers place Joshua Tree ZIP 92252 very differently.
Tesla Insurance ranks highest (61.6); Farmers ranks lowest (20.5). The middle bodily-injury percentile is 34.1. Reviewed plans are 41.1 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
34.1
Middle percentile across available plans.
BI plan spread
41.1
Tesla Insurance to Farmers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, Farmers lowest.
Tesla Insurance
Tesla PPA
61.6
Within-plan percentile
State Farm
Private Passenger Auto
42.5
Within-plan percentile
Safeco
Private Passenger Auto
39.2
Within-plan percentile
Progressive
CA Select PPA
29.0
Within-plan percentile
Travelers
Quantum Auto 2.0
26.1
Within-plan percentile
Farmers
Farmers Auto
20.5
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 34.1 | 41.1 pts | 61.6 | 39.2 | 26.1 | 20.5 | 29.0 | 42.5 |
| Property damage | 20.9 | 36.4 pts | 15.9 | 25.4 | 23.2 | 6.0 | 18.7 | 42.5 |
| Medical payments | 12.4 | 10.8 pts | 14.1 | 11.8 | 12.8 | 21.1 | 11.9 | 10.3 |
| Uninsured motorist BI | 38.0 | 32.7 pts | 38.0 | 33.8 | — | 62.1 | 29.4 | 43.2 |
| Uninsured motorist PD | 33.9 | 61.0 pts | 31.8 | 36.0 | — | 62.1 | 1.1 | — |
| Comprehensive | 79.1 | 24.6 pts | 62.8 | 80.2 | 87.4 | 77.9 | 84.4 | 71.8 |
| Collision | 16.1 | 40.9 pts | 16.5 | 16.0 | 42.0 | 5.2 | 1.1 | 16.1 |
Widest coverage spread
Uninsured motorist PD
Farmers and Progressive are 61.0 percentile points apart.
Closest agreement
Medical payments
Available plans are 10.8 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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