Plans disagree · Monarch Bay, Orange County · California ZIP 92629
Safeco and Progressive place Monarch Bay ZIP 92629 very differently.
Safeco ranks highest (84.6); Progressive ranks lowest (25.8). The middle bodily-injury percentile is 67.2. Reviewed plans are 58.8 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
67.2
Middle percentile across available plans.
BI plan spread
58.8
Safeco to Progressive.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Safeco highest, Progressive lowest.
Safeco
Private Passenger Auto
84.6
Within-plan percentile
Farmers
Farmers Auto
81.3
Within-plan percentile
Travelers
Quantum Auto 2.0
70.9
Within-plan percentile
Tesla Insurance
Tesla PPA
63.5
Within-plan percentile
State Farm
Private Passenger Auto
56.3
Within-plan percentile
Progressive
CA Select PPA
25.8
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 67.2 | 58.8 pts | 63.5 | 84.6 | 70.9 | 81.3 | 25.8 | 56.3 |
| Property damage | 66.6 | 33.9 pts | 58.1 | 78.0 | 75.1 | 90.2 | 58.1 | 56.3 |
| Medical payments | 29.7 | 29.2 pts | 33.7 | 10.0 | 37.7 | 30.9 | 8.5 | 28.4 |
| Uninsured motorist BI | 53.4 | 42.7 pts | 68.5 | 53.4 | — | 44.9 | 25.8 | 67.8 |
| Uninsured motorist PD | 40.5 | 27.8 pts | 17.9 | 45.7 | — | 44.9 | 36.0 | — |
| Comprehensive | 3.3 | 18.1 pts | 3.4 | 8.1 | 0.2 | 18.3 | 1.4 | 3.1 |
| Collision | 27.7 | 55.7 pts | 15.1 | 66.9 | 11.1 | 62.5 | 36.0 | 19.4 |
Widest coverage spread
Bodily injury
Safeco and Progressive are 58.8 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.
Nearby compared ZIPs
Mission Viejo, Orange County
92691
Farmers ranks highest (88.5); Tesla Insurance ranks lowest (14.0).
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Progressive ranks highest (75.4); Tesla Insurance ranks lowest (3.8).
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Travelers ranks highest (78.9); Safeco ranks lowest (11.7).
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