Plans disagree · San Francisco · California ZIP 94108
Travelers and Safeco place San Francisco ZIP 94108 very differently.
Travelers ranks highest (80.4); Safeco ranks lowest (38.3). The middle bodily-injury percentile is 62.2. Reviewed plans are 42.0 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
62.2
Middle percentile across available plans.
BI plan spread
42.0
Travelers to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Safeco lowest.
Travelers
Quantum Auto 2.0
80.4
Within-plan percentile
State Farm
Private Passenger Auto
74.9
Within-plan percentile
Farmers
Farmers Auto
71.8
Within-plan percentile
Progressive
CA Select PPA
52.7
Within-plan percentile
Tesla Insurance
Tesla PPA
51.5
Within-plan percentile
Safeco
Private Passenger Auto
38.3
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 62.2 | 42.0 pts | 51.5 | 38.3 | 80.4 | 71.8 | 52.7 | 74.9 |
| Property damage | 87.4 | 17.5 pts | 89.2 | 88.0 | 92.4 | 85.6 | 86.7 | 74.9 |
| Medical payments | 54.6 | 43.4 pts | 45.8 | 85.3 | 73.4 | 55.9 | 41.9 | 53.2 |
| Uninsured motorist BI | 21.0 | 49.9 pts | 2.8 | 21.0 | — | 41.3 | 52.8 | 3.6 |
| Uninsured motorist PD | 60.3 | 41.9 pts | 69.7 | 50.9 | — | 41.3 | 83.2 | — |
| Comprehensive | 88.1 | 38.1 pts | 55.6 | 92.7 | 93.8 | 87.5 | 78.9 | 88.6 |
| Collision | 90.3 | 14.5 pts | 97.7 | 85.5 | 91.0 | 91.8 | 83.2 | 89.7 |
Widest coverage spread
Uninsured motorist BI
Progressive and Tesla Insurance are 49.9 percentile points apart.
Closest agreement
Collision
Available plans are 14.5 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.