Plans disagree · San Francisco · California ZIP 94114
Travelers and Farmers place San Francisco ZIP 94114 very differently.
Travelers ranks highest (78.9); Farmers ranks lowest (15.9). The middle bodily-injury percentile is 26.3. Reviewed plans are 63.0 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
26.3
Middle percentile across available plans.
BI plan spread
63.0
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
44.5
Within-plan percentile
Tesla Insurance
Tesla PPA
27.3
Within-plan percentile
Progressive
CA Select PPA
25.3
Within-plan percentile
Safeco
Private Passenger Auto
24.1
Within-plan percentile
Farmers
Farmers Auto
15.9
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 26.3 | 63.0 pts | 27.3 | 24.1 | 78.9 | 15.9 | 25.3 | 44.5 |
| Property damage | 72.6 | 45.9 pts | 68.7 | 76.4 | 90.4 | 80.4 | 56.0 | 44.5 |
| Medical payments | 12.9 | 20.8 pts | 29.8 | 10.5 | 16.3 | 11.8 | 14.0 | 9.0 |
| Uninsured motorist BI | 46.9 | 36.1 pts | 48.7 | 49.4 | — | 13.3 | 24.5 | 46.9 |
| Uninsured motorist PD | 36.1 | 77.5 pts | 90.8 | 47.3 | — | 13.3 | 25.0 | — |
| Comprehensive | 41.1 | 55.0 pts | 35.7 | 86.5 | 53.5 | 46.4 | 31.6 | 32.5 |
| Collision | 72.2 | 59.6 pts | 77.4 | 67.1 | 84.6 | 80.3 | 25.0 | 55.2 |
Widest coverage spread
Uninsured motorist PD
Tesla Insurance and Farmers are 77.5 percentile points apart.
Closest agreement
Medical payments
Available plans are 20.8 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.