Plans disagree · Shandon, San Luis Obispo County · California ZIP 93461
State Farm and Safeco place Shandon ZIP 93461 very differently.
State Farm ranks highest (54.9); Safeco ranks lowest (12.2). The middle bodily-injury percentile is 23.3. Reviewed plans are 42.6 points apart. Collision splits more (56.5 points), with State Farm highest and Travelers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
23.3
Middle percentile across available plans.
BI plan spread
42.6
State Farm to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Safeco lowest.
State Farm
Private Passenger Auto
54.9
Within-plan percentile
Progressive
CA Select PPA
49.9
Within-plan percentile
Farmers
Farmers Auto
25.2
Within-plan percentile
Travelers
Quantum Auto 2.0
21.4
Within-plan percentile
Tesla Insurance
Tesla PPA
12.6
Within-plan percentile
Safeco
Private Passenger Auto
12.2
Within-plan percentile
State Farm ranks highest (65.4); Travelers ranks lowest (8.9). Collision spread is 56.5 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 | 23.3 | 42.6 pts | 12.6 | 12.2 | 21.4 | 25.2 | 49.9 | 54.9 |
| Property damage | 28.4 | 35.4 pts | 34.5 | 19.4 | 21.4 | 25.9 | 30.9 | 54.9 |
| Medical payments | 11.3 | 71.8 pts | 16.0 | 5.0 | 6.1 | 6.5 | 76.8 | 49.2 |
| Uninsured motorist BI | 53.8 | 36.6 pts | 85.9 | 53.8 | — | 49.4 | 49.9 | 80.7 |
| Uninsured motorist PD | 47.0 | 24.5 pts | 66.6 | 44.5 | — | 49.4 | 42.1 | — |
| Comprehensive | 48.8 | 49.8 pts | 51.2 | 76.3 | 35.6 | 26.6 | 57.2 | 46.4 |
| Collision | 50.7 | 56.5 pts | 37.7 | 59.3 | 8.9 | 62.5 | 42.1 | 65.4 |
Widest coverage spread
Medical payments
Progressive and Safeco are 71.8 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 24.5 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 (79.3); State Farm ranks lowest (3.7).
Read breakdownCayucos, San Luis Obispo County
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Progressive ranks highest (79.3); Travelers ranks lowest (6.1).
Read breakdown