Compared ZIP · Harmony, San Luis Obispo County · California ZIP 93435
In Harmony ZIP 93435, Farmers ranks highest and Travelers ranks lowest.
Farmers ranks highest (41.1); Travelers ranks lowest (4.5). The middle bodily-injury percentile is 22.1. Reviewed plans are 36.6 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
22.1
Middle percentile across available plans.
BI plan spread
36.6
Farmers to Travelers.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, Travelers lowest.
Farmers
Farmers Auto
41.1
Within-plan percentile
Progressive
CA Select PPA
23.6
Within-plan percentile
State Farm
Private Passenger Auto
22.1
Within-plan percentile
Tesla Insurance
Tesla PPA
11.6
Within-plan percentile
Travelers
Quantum Auto 2.0
4.5
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 22.1 | 36.6 pts | 11.6 | — | 4.5 | 41.1 | 23.6 | 22.1 |
| Property damage | 22.1 | 81.7 pts | 26.0 | — | 11.2 | 17.6 | 92.9 | 22.1 |
| Medical payments | 8.5 | 47.2 pts | 12.8 | — | 1.5 | 8.5 | 48.7 | 3.4 |
| Uninsured motorist BI | 39.1 | 48.1 pts | 55.0 | — | — | 15.5 | 23.3 | 63.6 |
| Uninsured motorist PD | 37.4 | 30.1 pts | 37.4 | — | — | 15.5 | 45.6 | — |
| Comprehensive | 27.5 | 40.2 pts | 52.0 | — | 35.6 | 11.8 | 27.5 | 14.8 |
| Collision | 11.1 | 43.0 pts | 43.5 | — | 11.1 | 9.3 | 45.6 | 2.6 |
Widest coverage spread
Property damage
Progressive and Travelers are 81.7 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 30.1 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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