Compared ZIP · Carmel, Monterey County · California ZIP 93923
In Carmel ZIP 93923, Safeco ranks highest and Travelers ranks lowest.
Safeco ranks highest (53.5); Travelers ranks lowest (13.6). The middle bodily-injury percentile is 28.9. Reviewed plans are 39.9 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
28.9
Middle percentile across available plans.
BI plan spread
39.9
Safeco to Travelers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Safeco highest, Travelers lowest.
Safeco
Private Passenger Auto
53.5
Within-plan percentile
Tesla Insurance
Tesla PPA
46.1
Within-plan percentile
Progressive
CA Select PPA
30.0
Within-plan percentile
State Farm
Private Passenger Auto
27.8
Within-plan percentile
Farmers
Farmers Auto
14.0
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 | 28.9 | 39.9 pts | 46.1 | 53.5 | 13.6 | 14.0 | 30.0 | 27.8 |
| Property damage | 26.0 | 55.1 pts | 63.0 | 35.4 | 24.3 | 8.0 | 20.6 | 27.8 |
| Medical payments | 21.6 | 35.3 pts | 14.1 | 14.4 | 8.4 | 28.7 | 43.7 | 42.9 |
| Uninsured motorist BI | 32.2 | 60.3 pts | 69.3 | 32.2 | — | 18.1 | 28.5 | 78.4 |
| Uninsured motorist PD | 13.7 | 13.5 pts | 10.2 | 17.3 | — | 18.1 | 4.5 | — |
| Comprehensive | 40.4 | 58.1 pts | 74.2 | 47.8 | 16.0 | 20.6 | 38.1 | 42.7 |
| Collision | 10.7 | 37.8 pts | 40.2 | 19.3 | 11.1 | 2.4 | 4.5 | 10.3 |
Widest coverage spread
Uninsured motorist BI
State Farm and Farmers are 60.3 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 13.5 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.
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