Broadly lower position · Carmel, Monterey County · California ZIP 93921
Carmel ZIP 93921 ranks near the lower end across plans.
Tesla Insurance ranks highest (29.5); Safeco ranks lowest (9.1). The middle bodily-injury percentile is 16.9. Reviewed plans are 20.4 points apart. Collision splits more (78.7 points), with Tesla Insurance highest and Progressive lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
16.9
Middle percentile across available plans.
BI plan spread
20.4
Tesla Insurance to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, Safeco lowest.
Tesla Insurance
Tesla PPA
29.5
Within-plan percentile
Travelers
Quantum Auto 2.0
22.3
Within-plan percentile
Progressive
CA Select PPA
20.7
Within-plan percentile
Farmers
Farmers Auto
13.1
Within-plan percentile
State Farm
Private Passenger Auto
9.6
Within-plan percentile
Safeco
Private Passenger Auto
9.1
Within-plan percentile
Tesla Insurance ranks highest (79.0); Progressive ranks lowest (0.3). Collision spread is 78.7 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 | 16.9 | 20.4 pts | 29.5 | 9.1 | 22.3 | 13.1 | 20.7 | 9.6 |
| Property damage | 18.0 | 22.1 pts | 5.6 | 26.2 | 27.7 | 20.9 | 15.1 | 9.6 |
| Medical payments | 28.8 | 53.9 pts | 20.4 | 24.2 | 37.7 | 74.3 | 33.5 | 23.8 |
| Uninsured motorist BI | 65.0 | 66.6 pts | 65.0 | 29.6 | — | 87.2 | 20.5 | 74.5 |
| Uninsured motorist PD | 2.1 | 86.9 pts | 2.3 | 2.0 | — | 87.2 | 0.3 | — |
| Comprehensive | 19.4 | 55.0 pts | 66.0 | 18.1 | 11.2 | 20.6 | 11.0 | 20.7 |
| Collision | 6.3 | 78.7 pts | 79.0 | 1.5 | 11.1 | 0.8 | 0.3 | 13.9 |
Widest coverage spread
Uninsured motorist PD
Farmers and Progressive are 86.9 percentile points apart.
Closest agreement
Bodily injury
Available plans are 20.4 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
Brookdale, Santa Cruz County
95007
Tesla Insurance ranks highest (91.5); State Farm ranks lowest (9.0).
Read breakdownPrunedale, Monterey County
93907
Tesla Insurance ranks highest (91.1); Travelers ranks lowest (12.2).
Read breakdownBen Lomond, Santa Cruz County
95005
Farmers ranks highest (76.3); Tesla Insurance ranks lowest (5.9).
Read breakdown