Broadly lower position · Westmorland, Imperial County · California ZIP 92281
Westmorland ZIP 92281 ranks near the lower end across plans.
State Farm ranks highest (20.4); Progressive ranks lowest (7.0). The middle bodily-injury percentile is 11.7. Reviewed plans are 13.3 points apart. Collision splits more (88.5 points), with Tesla Insurance highest and Travelers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
11.7
Middle percentile across available plans.
BI plan spread
13.3
State Farm to Progressive.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Progressive lowest.
State Farm
Private Passenger Auto
20.4
Within-plan percentile
Travelers
Quantum Auto 2.0
15.0
Within-plan percentile
Safeco
Private Passenger Auto
12.7
Within-plan percentile
Farmers
Farmers Auto
10.7
Within-plan percentile
Tesla Insurance
Tesla PPA
9.0
Within-plan percentile
Progressive
CA Select PPA
7.0
Within-plan percentile
Tesla Insurance ranks highest (99.6); Travelers ranks lowest (11.1). Collision spread is 88.5 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 | 11.7 | 13.3 pts | 9.0 | 12.7 | 15.0 | 10.7 | 7.0 | 20.4 |
| Property damage | 15.2 | 19.6 pts | 1.4 | 21.0 | 11.2 | 19.2 | 5.5 | 20.4 |
| Medical payments | 52.8 | 39.9 pts | 56.1 | 63.5 | 54.4 | 51.2 | 23.6 | 48.0 |
| Uninsured motorist BI | 18.0 | 30.4 pts | 37.4 | 34.8 | — | 15.5 | 7.0 | 18.0 |
| Uninsured motorist PD | 19.5 | 22.1 pts | 33.1 | 11.1 | — | 15.5 | 23.5 | — |
| Comprehensive | 89.5 | 20.6 pts | 95.5 | 78.5 | 99.2 | 87.2 | 91.7 | 82.9 |
| Collision | 28.7 | 88.5 pts | 99.6 | 55.8 | 11.1 | 23.6 | 23.5 | 33.9 |
Widest coverage spread
Collision
Tesla Insurance and Travelers are 88.5 percentile points apart.
Closest agreement
Bodily injury
Available plans are 13.3 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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