Plans disagree · Lucerne Valley, San Bernardino County · California ZIP 92356
Progressive and State Farm place Lucerne Valley ZIP 92356 very differently.
Progressive ranks highest (94.6); State Farm ranks lowest (49.0). The middle bodily-injury percentile is 69.9. Reviewed plans are 45.6 points apart. Collision splits more (75.1 points), with Travelers highest and State Farm lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
69.9
Middle percentile across available plans.
BI plan spread
45.6
Progressive to State Farm.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, State Farm lowest.
Progressive
CA Select PPA
94.6
Within-plan percentile
Tesla Insurance
Tesla PPA
86.4
Within-plan percentile
Safeco
Private Passenger Auto
81.7
Within-plan percentile
Travelers
Quantum Auto 2.0
58.1
Within-plan percentile
Farmers
Farmers Auto
49.9
Within-plan percentile
State Farm
Private Passenger Auto
49.0
Within-plan percentile
Travelers ranks highest (82.8); State Farm ranks lowest (7.7). Collision spread is 75.1 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 | 69.9 | 45.6 pts | 86.4 | 81.7 | 58.1 | 49.9 | 94.6 | 49.0 |
| Property damage | 35.2 | 48.6 pts | 34.5 | 23.0 | 35.9 | 71.6 | 29.2 | 49.0 |
| Medical payments | 46.9 | 46.4 pts | 43.6 | 50.2 | 54.4 | 66.5 | 32.6 | 20.1 |
| Uninsured motorist BI | 50.6 | 74.8 pts | 68.7 | 50.6 | — | 19.7 | 94.6 | 39.8 |
| Uninsured motorist PD | 26.2 | 18.3 pts | 30.2 | 38.0 | — | 19.7 | 22.2 | — |
| Comprehensive | 69.1 | 71.2 pts | 6.9 | 78.0 | 53.5 | 74.8 | 67.1 | 71.2 |
| Collision | 34.8 | 75.1 pts | 50.0 | 24.2 | 82.8 | 45.5 | 22.2 | 7.7 |
Widest coverage spread
Collision
Travelers and State Farm are 75.1 percentile points apart.
Closest agreement
Uninsured motorist PD
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.
Nearby compared ZIPs
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Read breakdownMentone, San Bernardino County
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Tesla Insurance ranks highest (72.0); Farmers ranks lowest (12.4).
Read breakdown