Plans disagree · Cowan Heights, Orange County · California ZIP 92705
Travelers and Progressive place Cowan Heights ZIP 92705 very differently.
Travelers ranks highest (82.4); Progressive ranks lowest (39.6). The middle bodily-injury percentile is 55.4. Reviewed plans are 42.8 points apart. Collision splits more (63.8 points), with Safeco highest and Travelers 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
42.8
Travelers to Progressive.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Progressive lowest.
Travelers
Quantum Auto 2.0
82.4
Within-plan percentile
State Farm
Private Passenger Auto
72.3
Within-plan percentile
Farmers
Farmers Auto
59.3
Within-plan percentile
Tesla Insurance
Tesla PPA
51.5
Within-plan percentile
Safeco
Private Passenger Auto
46.5
Within-plan percentile
Progressive
CA Select PPA
39.6
Within-plan percentile
Safeco ranks highest (74.9); Travelers ranks lowest (11.1). Collision spread is 63.8 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 | 42.8 pts | 51.5 | 46.5 | 82.4 | 59.3 | 39.6 | 72.3 |
| Property damage | 69.6 | 32.8 pts | 69.4 | 52.7 | 69.7 | 80.9 | 48.1 | 72.3 |
| Medical payments | 40.7 | 61.1 pts | 70.2 | 9.2 | 62.3 | 39.0 | 42.5 | 36.7 |
| Uninsured motorist BI | 54.4 | 22.3 pts | 43.9 | 54.4 | — | 62.1 | 39.9 | 54.6 |
| Uninsured motorist PD | 73.2 | 41.3 pts | 93.4 | 84.2 | — | 62.1 | 52.1 | — |
| Comprehensive | 11.2 | 21.5 pts | 14.1 | 8.4 | 1.7 | 23.2 | 7.5 | 20.0 |
| Collision | 45.0 | 63.8 pts | 34.1 | 74.9 | 11.1 | 69.9 | 52.1 | 37.9 |
Widest coverage spread
Collision
Safeco and Travelers are 63.8 percentile points apart.
Closest agreement
Comprehensive
Available plans are 21.5 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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