Plans disagree · Zcta 92869, Orange County · California ZIP 92869
Travelers and Tesla Insurance place Zcta 92869 ZIP 92869 very differently.
Travelers ranks highest (78.9); Tesla Insurance ranks lowest (38.3). The middle bodily-injury percentile is 58.6. Reviewed plans are 40.6 points apart. Collision splits more (76.5 points), with Safeco highest and Travelers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
58.6
Middle percentile across available plans.
BI plan spread
40.6
Travelers to Tesla Insurance.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Tesla Insurance lowest.
Travelers
Quantum Auto 2.0
78.9
Within-plan percentile
State Farm
Private Passenger Auto
74.9
Within-plan percentile
Farmers
Farmers Auto
59.3
Within-plan percentile
Safeco
Private Passenger Auto
58.0
Within-plan percentile
Progressive
CA Select PPA
53.2
Within-plan percentile
Tesla Insurance
Tesla PPA
38.3
Within-plan percentile
Safeco ranks highest (78.3); Travelers ranks lowest (1.8). Collision spread is 76.5 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 | 58.6 | 40.6 pts | 38.3 | 58.0 | 78.9 | 59.3 | 53.2 | 74.9 |
| Property damage | 76.5 | 25.2 pts | 53.5 | 77.8 | 75.1 | 78.6 | 78.0 | 74.9 |
| Medical payments | 50.8 | 43.5 pts | 51.5 | 54.4 | 62.3 | 32.1 | 18.8 | 50.0 |
| Uninsured motorist BI | 61.7 | 32.9 pts | 61.7 | 86.2 | — | 76.3 | 53.3 | 56.0 |
| Uninsured motorist PD | 62.7 | 26.7 pts | 72.4 | 52.9 | — | 76.3 | 49.6 | — |
| Comprehensive | 4.5 | 13.9 pts | 6.4 | 5.7 | 1.1 | 15.1 | 3.4 | 3.1 |
| Collision | 48.2 | 76.5 pts | 29.9 | 78.3 | 1.8 | 51.4 | 49.6 | 46.8 |
Widest coverage spread
Collision
Safeco and Travelers are 76.5 percentile points apart.
Closest agreement
Comprehensive
Available plans are 13.9 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.
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