Compared ZIP · Oceano, San Luis Obispo County · California ZIP 93445
In Oceano ZIP 93445, Safeco ranks highest and Progressive ranks lowest.
Safeco ranks highest (36.5); Progressive ranks lowest (8.2). The middle bodily-injury percentile is 26.0. Reviewed plans are 28.4 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
26.0
Middle percentile across available plans.
BI plan spread
28.4
Safeco to Progressive.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Safeco highest, Progressive lowest.
Safeco
Private Passenger Auto
36.5
Within-plan percentile
State Farm
Private Passenger Auto
32.6
Within-plan percentile
Tesla Insurance
Tesla PPA
31.5
Within-plan percentile
Farmers
Farmers Auto
20.5
Within-plan percentile
Travelers
Quantum Auto 2.0
16.1
Within-plan percentile
Progressive
CA Select PPA
8.2
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 26.0 | 28.4 pts | 31.5 | 36.5 | 16.1 | 20.5 | 8.2 | 32.6 |
| Property damage | 21.0 | 61.7 pts | 6.8 | 18.4 | 21.4 | 68.5 | 20.6 | 32.6 |
| Medical payments | 2.1 | 12.3 pts | 11.9 | 12.3 | 1.5 | 0.1 | 2.8 | 0.1 |
| Uninsured motorist BI | 12.7 | 21.3 pts | 29.4 | 18.2 | — | 12.7 | 8.2 | 9.3 |
| Uninsured motorist PD | 13.6 | 18.8 pts | 20.3 | 14.4 | — | 12.7 | 1.5 | — |
| Comprehensive | 14.4 | 21.2 pts | 13.9 | 25.9 | 5.7 | 12.3 | 26.9 | 14.8 |
| Collision | 2.5 | 15.7 pts | 3.4 | 1.2 | 3.7 | 1.7 | 1.5 | 16.9 |
Widest coverage spread
Property damage
Farmers and Tesla Insurance are 61.7 percentile points apart.
Closest agreement
Medical payments
Available plans are 12.3 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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93433
Tesla Insurance ranks highest (88.3); Farmers ranks lowest (8.2).
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Progressive ranks highest (79.3); State Farm ranks lowest (3.7).
Read breakdownSanta Ynez, Santa Barbara County
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Progressive ranks highest (91.2); Travelers ranks lowest (16.1).
Read breakdown