Plans disagree · San Francisco · California ZIP 94110
Travelers and Farmers place San Francisco ZIP 94110 very differently.
Travelers ranks highest (78.9); Farmers ranks lowest (22.2). The middle bodily-injury percentile is 50.8. Reviewed plans are 56.7 points apart. Collision splits more (70.4 points), with Tesla Insurance highest and Progressive lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
50.8
Middle percentile across available plans.
BI plan spread
56.7
Travelers to Farmers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Farmers lowest.
Travelers
Quantum Auto 2.0
78.9
Within-plan percentile
State Farm
Private Passenger Auto
60.3
Within-plan percentile
Progressive
CA Select PPA
55.7
Within-plan percentile
Safeco
Private Passenger Auto
45.8
Within-plan percentile
Tesla Insurance
Tesla PPA
34.4
Within-plan percentile
Farmers
Farmers Auto
22.2
Within-plan percentile
Tesla Insurance ranks highest (92.7); Progressive ranks lowest (22.3). Collision spread is 70.4 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 | 50.8 | 56.7 pts | 34.4 | 45.8 | 78.9 | 22.2 | 55.7 | 60.3 |
| Property damage | 78.3 | 58.4 pts | 91.5 | 81.3 | 92.4 | 75.3 | 34.0 | 60.3 |
| Medical payments | 56.3 | 67.8 pts | 61.9 | 50.7 | 37.7 | 74.8 | 86.1 | 18.2 |
| Uninsured motorist BI | 39.8 | 68.6 pts | 34.5 | 39.8 | — | 72.2 | 55.7 | 3.6 |
| Uninsured motorist PD | 81.3 | 70.2 pts | 92.5 | 90.3 | — | 72.2 | 22.3 | — |
| Comprehensive | 77.4 | 34.9 pts | 70.3 | 95.2 | 60.3 | 84.5 | 68.8 | 91.5 |
| Collision | 81.9 | 70.4 pts | 92.7 | 76.5 | 91.0 | 87.3 | 22.3 | 67.1 |
Widest coverage spread
Collision
Tesla Insurance and Progressive are 70.4 percentile points apart.
Closest agreement
Comprehensive
Available plans are 34.9 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.