Plans disagree · Zcta 93458, Santa Barbara County · California ZIP 93458
State Farm and Travelers place Zcta 93458 ZIP 93458 very differently.
State Farm ranks highest (53.0); Travelers ranks lowest (9.8). The middle bodily-injury percentile is 17.9. Reviewed plans are 43.2 points apart. Collision splits more (74.0 points), with State Farm highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
17.9
Middle percentile across available plans.
BI plan spread
43.2
State Farm to Travelers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Travelers lowest.
State Farm
Private Passenger Auto
53.0
Within-plan percentile
Farmers
Farmers Auto
45.7
Within-plan percentile
Progressive
CA Select PPA
18.0
Within-plan percentile
Safeco
Private Passenger Auto
17.8
Within-plan percentile
Tesla Insurance
Tesla PPA
10.8
Within-plan percentile
Travelers
Quantum Auto 2.0
9.8
Within-plan percentile
State Farm ranks highest (80.4); Tesla Insurance ranks lowest (6.4). Collision spread is 74.0 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 | 17.9 | 43.2 pts | 10.8 | 17.8 | 9.8 | 45.7 | 18.0 | 53.0 |
| Property damage | 39.6 | 31.6 pts | 42.0 | 28.1 | 21.4 | 39.4 | 39.8 | 53.0 |
| Medical payments | 26.8 | 74.2 pts | 17.1 | 71.4 | 12.8 | 87.0 | 20.1 | 33.5 |
| Uninsured motorist BI | 25.7 | 35.0 pts | 25.7 | 39.0 | — | 18.9 | 18.0 | 53.0 |
| Uninsured motorist PD | 62.9 | 74.9 pts | 92.7 | 93.9 | — | 18.9 | 33.2 | — |
| Comprehensive | 42.4 | 56.3 pts | 27.5 | 26.4 | 21.6 | 77.9 | 57.2 | 71.2 |
| Collision | 35.4 | 74.0 pts | 6.4 | 16.3 | 37.7 | 60.3 | 33.2 | 80.4 |
Widest coverage spread
Uninsured motorist PD
Safeco and Farmers are 74.9 percentile points apart.
Closest agreement
Property damage
Available plans are 31.6 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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