Plans disagree · San Francisco · California ZIP 94118
Progressive and State Farm place San Francisco ZIP 94118 very differently.
Progressive ranks highest (89.0); State Farm ranks lowest (32.1). The middle bodily-injury percentile is 46.0. Reviewed plans are 56.9 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
46.0
Middle percentile across available plans.
BI plan spread
56.9
Progressive to State Farm.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, State Farm lowest.
Progressive
CA Select PPA
89.0
Within-plan percentile
Travelers
Quantum Auto 2.0
84.2
Within-plan percentile
Farmers
Farmers Auto
48.8
Within-plan percentile
Tesla Insurance
Tesla PPA
43.2
Within-plan percentile
Safeco
Private Passenger Auto
38.8
Within-plan percentile
State Farm
Private Passenger Auto
32.1
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 46.0 | 56.9 pts | 43.2 | 38.8 | 84.2 | 48.8 | 89.0 | 32.1 |
| Property damage | 73.2 | 61.9 pts | 90.8 | 84.5 | 93.9 | 61.1 | 61.8 | 32.1 |
| Medical payments | 60.7 | 57.1 pts | 83.0 | 48.1 | 73.4 | 38.1 | 25.9 | 73.3 |
| Uninsured motorist BI | 53.2 | 60.2 pts | 41.3 | 53.2 | — | 28.7 | 88.9 | 64.1 |
| Uninsured motorist PD | 48.0 | 24.3 pts | 44.1 | 51.9 | — | 28.7 | 53.0 | — |
| Comprehensive | 54.4 | 44.0 pts | 36.3 | 80.2 | 53.5 | 71.8 | 38.1 | 55.2 |
| Collision | 78.6 | 39.4 pts | 51.9 | 82.8 | 91.0 | 91.3 | 53.0 | 74.4 |
Widest coverage spread
Property damage
Travelers and State Farm are 61.9 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 24.3 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.