Plans disagree · San Francisco · California ZIP 94103
Travelers and Progressive place San Francisco ZIP 94103 very differently.
Travelers ranks highest (78.9); Progressive ranks lowest (32.3). The middle bodily-injury percentile is 52.8. Reviewed plans are 46.7 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
52.8
Middle percentile across available plans.
BI plan spread
46.7
Travelers to Progressive.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Progressive lowest.
Travelers
Quantum Auto 2.0
78.9
Within-plan percentile
Farmers
Farmers Auto
77.1
Within-plan percentile
Tesla Insurance
Tesla PPA
54.4
Within-plan percentile
State Farm
Private Passenger Auto
51.3
Within-plan percentile
Safeco
Private Passenger Auto
34.8
Within-plan percentile
Progressive
CA Select PPA
32.3
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 52.8 | 46.7 pts | 54.4 | 34.8 | 78.9 | 77.1 | 32.3 | 51.3 |
| Property damage | 86.2 | 43.1 pts | 94.4 | 84.5 | 92.4 | 87.9 | 75.2 | 51.3 |
| Medical payments | 81.0 | 10.5 pts | 82.6 | 83.9 | 73.4 | 75.8 | 83.0 | 79.4 |
| Uninsured motorist BI | 25.3 | 34.5 pts | 16.8 | 36.4 | — | 25.3 | 31.9 | 1.9 |
| Uninsured motorist PD | 69.1 | 60.5 pts | 85.8 | 85.2 | — | 25.3 | 53.1 | — |
| Comprehensive | 87.2 | 83.8 pts | 14.6 | 98.5 | 91.6 | 82.7 | 76.5 | 93.9 |
| Collision | 85.0 | 35.7 pts | 55.3 | 85.5 | 84.6 | 88.8 | 53.1 | 87.9 |
Widest coverage spread
Comprehensive
Safeco and Tesla Insurance are 83.8 percentile points apart.
Closest agreement
Medical payments
Available plans are 10.5 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.