Plans disagree · Helendale, San Bernardino County · California ZIP 92342
Tesla Insurance and Travelers place Helendale ZIP 92342 very differently.
Tesla Insurance ranks highest (83.1); Travelers ranks lowest (30.0). The middle bodily-injury percentile is 55.4. Reviewed plans are 53.1 points apart. Collision splits more (76.6 points), with Travelers highest and Progressive lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
55.4
Middle percentile across available plans.
BI plan spread
53.1
Tesla Insurance to Travelers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, Travelers lowest.
Tesla Insurance
Tesla PPA
83.1
Within-plan percentile
Progressive
CA Select PPA
78.4
Within-plan percentile
Safeco
Private Passenger Auto
74.4
Within-plan percentile
State Farm
Private Passenger Auto
36.4
Within-plan percentile
Farmers
Farmers Auto
31.9
Within-plan percentile
Travelers
Quantum Auto 2.0
30.0
Within-plan percentile
Travelers ranks highest (79.5); Progressive ranks lowest (2.9). Collision spread is 76.6 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 | 55.4 | 53.1 pts | 83.1 | 74.4 | 30.0 | 31.9 | 78.4 | 36.4 |
| Property damage | 25.2 | 55.9 pts | 13.3 | 12.6 | 35.9 | 68.5 | 14.4 | 36.4 |
| Medical payments | 45.0 | 65.5 pts | 59.3 | 30.8 | 73.4 | 79.5 | 18.8 | 14.0 |
| Uninsured motorist BI | 74.1 | 18.3 pts | 85.2 | 68.6 | — | 74.1 | 77.2 | 66.9 |
| Uninsured motorist PD | 54.2 | 71.2 pts | 55.5 | 52.9 | — | 74.1 | 2.9 | — |
| Comprehensive | 38.9 | 59.0 pts | 17.6 | 66.6 | 72.0 | 13.0 | 18.7 | 59.1 |
| Collision | 26.9 | 76.6 pts | 72.7 | 34.6 | 79.5 | 19.3 | 2.9 | 14.1 |
Widest coverage spread
Collision
Travelers and Progressive are 76.6 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 18.3 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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