Compared ZIP · Laguna Niguel, Orange County · California ZIP 92651
In Laguna Niguel ZIP 92651, Farmers ranks highest and Tesla Insurance ranks lowest.
Farmers ranks highest (83.4); Tesla Insurance ranks lowest (56.9). The middle bodily-injury percentile is 68.3. Reviewed plans are 26.5 points apart. Collision splits more (73.4 points), with Safeco highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
68.3
Middle percentile across available plans.
BI plan spread
26.5
Farmers to Tesla Insurance.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, Tesla Insurance lowest.
Farmers
Farmers Auto
83.4
Within-plan percentile
Progressive
CA Select PPA
80.0
Within-plan percentile
State Farm
Private Passenger Auto
70.8
Within-plan percentile
Travelers
Quantum Auto 2.0
65.8
Within-plan percentile
Safeco
Private Passenger Auto
57.7
Within-plan percentile
Tesla Insurance
Tesla PPA
56.9
Within-plan percentile
Safeco ranks highest (89.9); Tesla Insurance ranks lowest (16.5). Collision spread is 73.4 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 | 68.3 | 26.5 pts | 56.9 | 57.7 | 65.8 | 83.4 | 80.0 | 70.8 |
| Property damage | 79.9 | 19.4 pts | 73.6 | 87.6 | 84.1 | 90.2 | 75.7 | 70.8 |
| Medical payments | 22.6 | 84.7 pts | 93.7 | 24.2 | 46.8 | 21.1 | 11.1 | 9.0 |
| Uninsured motorist BI | 79.9 | 31.0 pts | 86.8 | 55.8 | — | 66.3 | 79.9 | 83.7 |
| Uninsured motorist PD | 60.7 | 33.9 pts | 55.1 | 53.5 | — | 66.3 | 87.4 | — |
| Comprehensive | 19.8 | 43.7 pts | 13.7 | 14.5 | 1.7 | 45.4 | 26.1 | 25.1 |
| Collision | 67.7 | 73.4 pts | 16.5 | 89.9 | 35.0 | 72.5 | 87.4 | 62.8 |
Widest coverage spread
Medical payments
Tesla Insurance and State Farm are 84.7 percentile points apart.
Closest agreement
Property damage
Available plans are 19.4 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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92662
Progressive ranks highest (75.4); Tesla Insurance ranks lowest (3.8).
Read breakdownCorona del Mar, Orange County
92625
Travelers ranks highest (78.9); Safeco ranks lowest (11.7).
Read breakdown