Plans disagree · Shell Beach, San Luis Obispo County · California ZIP 93449
Progressive and Travelers place Shell Beach ZIP 93449 very differently.
Progressive ranks highest (71.4); Travelers ranks lowest (13.6). The middle bodily-injury percentile is 37.6. Reviewed plans are 57.8 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
37.6
Middle percentile across available plans.
BI plan spread
57.8
Progressive to Travelers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, Travelers lowest.
Progressive
CA Select PPA
71.4
Within-plan percentile
Farmers
Farmers Auto
46.5
Within-plan percentile
Tesla Insurance
Tesla PPA
46.1
Within-plan percentile
State Farm
Private Passenger Auto
29.0
Within-plan percentile
Safeco
Private Passenger Auto
21.1
Within-plan percentile
Travelers
Quantum Auto 2.0
13.6
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 37.6 | 57.8 pts | 46.1 | 21.1 | 13.6 | 46.5 | 71.4 | 29.0 |
| Property damage | 19.1 | 22.0 pts | 17.6 | 28.1 | 15.3 | 7.0 | 20.6 | 29.0 |
| Medical payments | 28.4 | 33.0 pts | 4.1 | 23.6 | 3.8 | 33.3 | 36.6 | 36.7 |
| Uninsured motorist BI | 13.8 | 53.9 pts | 13.8 | 10.1 | — | 9.6 | 63.6 | 19.2 |
| Uninsured motorist PD | 6.2 | 8.9 pts | 2.7 | 2.0 | — | 9.6 | 10.9 | — |
| Comprehensive | 8.0 | 17.8 pts | 12.1 | 20.6 | 9.1 | 2.8 | 6.8 | 5.2 |
| Collision | 7.9 | 22.8 pts | 0.5 | 16.9 | 0.5 | 4.9 | 10.9 | 23.2 |
Widest coverage spread
Bodily injury
Progressive and Travelers are 57.8 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 8.9 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
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Progressive ranks highest (91.2); Travelers ranks lowest (16.1).
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