Plans disagree · San Luis Obispo · California ZIP 93438
Progressive and Farmers place San Luis Obispo ZIP 93438 very differently.
Progressive ranks highest (66.7); Farmers ranks lowest (26.0). The middle bodily-injury percentile is 46.4. Reviewed plans are 40.8 points apart. Collision splits more (64.5 points), with Progressive highest and Farmers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
46.4
Middle percentile across available plans.
BI plan spread
40.8
Progressive to Farmers.
Plans available
2
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, Farmers lowest.
Progressive
CA Select PPA
66.7
Within-plan percentile
Farmers
Farmers Auto
26.0
Within-plan percentile
Tesla Insurance
Tesla PPA
—
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Travelers
Quantum Auto 2.0
—
Within-plan percentile
State Farm
Private Passenger Auto
—
Within-plan percentile
Progressive ranks highest (69.4); Farmers ranks lowest (4.9). Collision spread is 64.5 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 | 46.4 | 40.8 pts | — | — | — | 26.0 | 66.7 | — |
| Property damage | 56.5 | 27.7 pts | — | — | — | 42.7 | 70.4 | — |
| Medical payments | 38.6 | 50.6 pts | — | — | — | 13.2 | 63.9 | — |
| Uninsured motorist BI | 44.4 | 46.2 pts | — | — | — | 21.3 | 67.5 | — |
| Uninsured motorist PD | 45.3 | 48.1 pts | — | — | — | 21.3 | 69.4 | — |
| Comprehensive | 29.0 | 56.4 pts | — | — | — | 0.8 | 57.2 | — |
| Collision | 37.1 | 64.5 pts | — | — | — | 4.9 | 69.4 | — |
Widest coverage spread
Collision
Progressive and Farmers are 64.5 percentile points apart.
Closest agreement
Property damage
Available plans are 27.7 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
San Luis Obispo
93401
Tesla Insurance ranks highest (83.1); Progressive ranks lowest (12.4).
Read breakdownLos Osos, San Luis Obispo County
93402
Progressive ranks highest (71.4); State Farm ranks lowest (0.2).
Read breakdownSan Luis Obispo
93405
Progressive ranks highest (48.1); Tesla Insurance ranks lowest (10.0).
Read breakdown