Compared ZIP · Zcta 92870, Orange County · California ZIP 92870
In Zcta 92870 ZIP 92870, Travelers ranks highest and Safeco ranks lowest.
Travelers ranks highest (82.4); Safeco ranks lowest (42.8). The middle bodily-injury percentile is 72.3. Reviewed plans are 39.6 points apart. Collision splits more (59.1 points), with Progressive highest and Travelers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
72.3
Middle percentile across available plans.
BI plan spread
39.6
Travelers to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Safeco lowest.
Travelers
Quantum Auto 2.0
82.4
Within-plan percentile
Farmers
Farmers Auto
78.6
Within-plan percentile
State Farm
Private Passenger Auto
77.9
Within-plan percentile
Progressive
CA Select PPA
66.7
Within-plan percentile
Tesla Insurance
Tesla PPA
48.7
Within-plan percentile
Safeco
Private Passenger Auto
42.8
Within-plan percentile
Progressive ranks highest (74.3); Travelers ranks lowest (15.2). Collision spread is 59.1 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 | 72.3 | 39.6 pts | 48.7 | 42.8 | 82.4 | 78.6 | 66.7 | 77.9 |
| Property damage | 80.3 | 15.6 pts | 84.5 | 71.9 | 69.7 | 82.7 | 85.3 | 77.9 |
| Medical payments | 51.8 | 59.9 pts | 52.9 | 50.7 | 80.0 | 57.2 | 20.1 | 42.9 |
| Uninsured motorist BI | 46.9 | 57.3 pts | 10.6 | 44.3 | — | 67.9 | 67.5 | 46.9 |
| Uninsured motorist PD | 50.6 | 44.5 pts | 29.8 | 33.3 | — | 67.9 | 74.3 | — |
| Comprehensive | 7.3 | 15.2 pts | 3.2 | 2.6 | 4.9 | 17.7 | 13.1 | 9.7 |
| Collision | 61.3 | 59.1 pts | 61.9 | 60.7 | 15.2 | 66.2 | 74.3 | 51.1 |
Widest coverage spread
Medical payments
Travelers and Progressive are 59.9 percentile points apart.
Closest agreement
Comprehensive
Available plans are 15.2 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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