Plans disagree · San Luis Obispo · California ZIP 93409
Tesla Insurance and Farmers place San Luis Obispo ZIP 93409 very differently.
Tesla Insurance ranks highest (83.1); Farmers ranks lowest (41.1). The middle bodily-injury percentile is 41.5. Reviewed plans are 42.0 points apart. Collision splits more (55.2 points), with Tesla Insurance highest and Farmers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
41.5
Middle percentile across available plans.
BI plan spread
42.0
Tesla Insurance to Farmers.
Plans available
3
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, Farmers lowest.
Tesla Insurance
Tesla PPA
83.1
Within-plan percentile
Travelers
Quantum Auto 2.0
41.5
Within-plan percentile
Farmers
Farmers Auto
41.1
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Progressive
CA Select PPA
—
Within-plan percentile
State Farm
Private Passenger Auto
—
Within-plan percentile
Tesla Insurance ranks highest (57.2); Farmers ranks lowest (2.0). Collision spread is 55.2 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 | 41.5 | 42.0 pts | 83.1 | — | 41.5 | 41.1 | — | — |
| Property damage | 23.2 | 56.0 pts | 69.3 | — | 23.2 | 13.2 | — | — |
| Medical payments | 0.9 | 4.9 pts | 0.9 | — | 0.2 | 5.2 | — | — |
| Uninsured motorist BI | 32.8 | 23.1 pts | 44.3 | — | — | 21.3 | — | — |
| Uninsured motorist PD | 14.4 | 13.8 pts | 7.5 | — | — | 21.3 | — | — |
| Comprehensive | 16.0 | 43.9 pts | 56.2 | — | 16.0 | 12.3 | — | — |
| Collision | 3.7 | 55.2 pts | 57.2 | — | 3.7 | 2.0 | — | — |
Widest coverage spread
Property damage
Tesla Insurance and Farmers are 56.0 percentile points apart.
Closest agreement
Medical payments
Available plans are 4.9 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.
Nearby compared ZIPs
Grover Beach, San Luis Obispo County
93433
Tesla Insurance ranks highest (88.3); Farmers ranks lowest (8.2).
Read breakdownGuadalupe, Santa Barbara County
93434
Progressive ranks highest (79.3); State Farm ranks lowest (3.7).
Read breakdownCayucos, San Luis Obispo County
93430
Progressive ranks highest (79.3); Travelers ranks lowest (6.1).
Read breakdown