Compared ZIP · Morongo Valley, San Bernardino County · California ZIP 92256
In Morongo Valley ZIP 92256, Progressive ranks highest and Safeco ranks lowest.
Progressive ranks highest (84.5); Safeco ranks lowest (45.3). The middle bodily-injury percentile is 62.5. Reviewed plans are 39.2 points apart. Collision splits more (51.9 points), with Tesla Insurance highest and Progressive lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
62.5
Middle percentile across available plans.
BI plan spread
39.2
Progressive to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, Safeco lowest.
Progressive
CA Select PPA
84.5
Within-plan percentile
Travelers
Quantum Auto 2.0
65.8
Within-plan percentile
State Farm
Private Passenger Auto
65.3
Within-plan percentile
Tesla Insurance
Tesla PPA
59.6
Within-plan percentile
Farmers
Farmers Auto
58.3
Within-plan percentile
Safeco
Private Passenger Auto
45.3
Within-plan percentile
Tesla Insurance ranks highest (61.4); Progressive ranks lowest (9.5). Collision spread is 51.9 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 | 62.5 | 39.2 pts | 59.6 | 45.3 | 65.8 | 58.3 | 84.5 | 65.3 |
| Property damage | 26.7 | 59.3 pts | 10.7 | 36.5 | 35.9 | 6.0 | 17.4 | 65.3 |
| Medical payments | 51.1 | 40.8 pts | 45.8 | 21.9 | 58.7 | 56.4 | 59.1 | 18.2 |
| Uninsured motorist BI | 43.2 | 58.3 pts | 34.9 | 25.5 | — | 58.2 | 83.8 | 43.2 |
| Uninsured motorist PD | 49.4 | 48.7 pts | 45.4 | 53.5 | — | 58.2 | 9.5 | — |
| Comprehensive | 95.2 | 18.1 pts | 99.9 | 95.9 | 94.4 | 86.3 | 97.9 | 81.8 |
| Collision | 29.7 | 51.9 pts | 61.4 | 24.8 | 57.1 | 34.6 | 9.5 | 22.1 |
Widest coverage spread
Property damage
State Farm and Farmers are 59.3 percentile points apart.
Closest agreement
Comprehensive
Available plans are 18.1 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.
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