Plans disagree · Laguna Hills, Orange County · California ZIP 92653
Safeco and Progressive place Laguna Hills ZIP 92653 very differently.
Safeco ranks highest (73.1); Progressive ranks lowest (25.3). The middle bodily-injury percentile is 62.7. Reviewed plans are 47.9 points apart. Collision splits more (58.5 points), with Tesla Insurance highest and Travelers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
62.7
Middle percentile across available plans.
BI plan spread
47.9
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
73.1
Within-plan percentile
Farmers
Farmers Auto
72.9
Within-plan percentile
Travelers
Quantum Auto 2.0
65.8
Within-plan percentile
State Farm
Private Passenger Auto
59.5
Within-plan percentile
Tesla Insurance
Tesla PPA
49.8
Within-plan percentile
Progressive
CA Select PPA
25.3
Within-plan percentile
Tesla Insurance ranks highest (77.7); Travelers ranks lowest (19.1). Collision spread is 58.5 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 | 62.7 | 47.9 pts | 49.8 | 73.1 | 65.8 | 72.9 | 25.3 | 59.5 |
| Property damage | 61.0 | 18.0 pts | 52.8 | 66.5 | 69.7 | 51.7 | 62.5 | 59.5 |
| Medical payments | 33.7 | 76.2 pts | 94.1 | 19.4 | 54.4 | 17.9 | 29.1 | 38.3 |
| Uninsured motorist BI | 65.9 | 59.3 pts | 83.1 | 60.2 | — | 65.9 | 24.5 | 83.7 |
| Uninsured motorist PD | 34.7 | 52.6 pts | 17.4 | 13.3 | — | 65.9 | 52.1 | — |
| Comprehensive | 2.4 | 22.1 pts | 22.1 | 1.9 | 0.0 | 8.8 | 2.2 | 2.5 |
| Collision | 43.1 | 58.5 pts | 77.7 | 46.8 | 19.1 | 37.3 | 52.1 | 39.4 |
Widest coverage spread
Medical payments
Tesla Insurance and Farmers are 76.2 percentile points apart.
Closest agreement
Property damage
Available plans are 18.0 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).
Read breakdownNewport Beach, Orange County
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