Plans disagree · Palo Verde, Imperial County · California ZIP 92266
Tesla Insurance and State Farm place Palo Verde ZIP 92266 very differently.
Tesla Insurance ranks highest (61.6); State Farm ranks lowest (4.7). The middle bodily-injury percentile is 14.7. Reviewed plans are 56.8 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
14.7
Middle percentile across available plans.
BI plan spread
56.8
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
61.6
Within-plan percentile
Progressive
CA Select PPA
29.0
Within-plan percentile
Farmers
Farmers Auto
17.3
Within-plan percentile
Travelers
Quantum Auto 2.0
12.2
Within-plan percentile
Safeco
Private Passenger Auto
9.7
Within-plan percentile
State Farm
Private Passenger Auto
4.7
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 14.7 | 56.8 pts | 61.6 | 9.7 | 12.2 | 17.3 | 29.0 | 4.7 |
| Property damage | 3.4 | 12.1 pts | 13.3 | 2.3 | 4.5 | 1.3 | 1.5 | 4.7 |
| Medical payments | 24.4 | 44.1 pts | 17.1 | 15.3 | 30.2 | 59.4 | 25.0 | 23.8 |
| Uninsured motorist BI | 29.4 | 75.5 pts | 91.1 | 25.9 | — | 15.5 | 29.4 | 31.2 |
| Uninsured motorist PD | 40.4 | 42.6 pts | 58.1 | 39.1 | — | 15.5 | 41.6 | — |
| Comprehensive | 68.4 | 59.6 pts | 66.8 | 28.1 | 87.7 | 85.8 | 69.9 | 63.8 |
| Collision | 40.0 | 32.8 pts | 59.4 | 53.0 | 26.6 | 38.3 | 41.6 | 27.6 |
Widest coverage spread
Uninsured motorist BI
Tesla Insurance and Farmers are 75.5 percentile points apart.
Closest agreement
Property damage
Available plans are 12.1 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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