Plans disagree · Zcta 92861, Orange County · California ZIP 92861
Farmers and Tesla Insurance place Zcta 92861 ZIP 92861 very differently.
Farmers ranks highest (86.8); Tesla Insurance ranks lowest (33.3). The middle bodily-injury percentile is 68.2. Reviewed plans are 53.4 points apart. Collision splits more (81.5 points), with Safeco highest and Travelers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
68.2
Middle percentile across available plans.
BI plan spread
53.4
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
86.8
Within-plan percentile
Travelers
Quantum Auto 2.0
77.3
Within-plan percentile
Progressive
CA Select PPA
74.7
Within-plan percentile
State Farm
Private Passenger Auto
61.8
Within-plan percentile
Safeco
Private Passenger Auto
48.7
Within-plan percentile
Tesla Insurance
Tesla PPA
33.3
Within-plan percentile
Safeco ranks highest (86.5); Travelers ranks lowest (5.0). Collision spread is 81.5 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 | 68.2 | 53.4 pts | 33.3 | 48.7 | 77.3 | 86.8 | 74.7 | 61.8 |
| Property damage | 76.4 | 37.1 pts | 89.8 | 52.7 | 69.7 | 89.2 | 83.2 | 61.8 |
| Medical payments | 24.4 | 76.7 pts | 81.7 | 5.0 | 68.2 | 11.8 | 25.0 | 23.8 |
| Uninsured motorist BI | 38.9 | 71.6 pts | 38.9 | 25.5 | — | 3.0 | 74.6 | 64.1 |
| Uninsured motorist PD | 13.6 | 71.4 pts | 13.8 | 13.3 | — | 3.0 | 74.3 | — |
| Comprehensive | 12.6 | 31.1 pts | 29.9 | 6.4 | 2.9 | 34.1 | 5.1 | 18.8 |
| Collision | 71.1 | 81.5 pts | 47.9 | 86.5 | 5.0 | 69.2 | 74.3 | 73.1 |
Widest coverage spread
Collision
Safeco and Travelers are 81.5 percentile points apart.
Closest agreement
Comprehensive
Available plans are 31.1 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
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