Compared ZIP · San Francisco · California ZIP 94121
In San Francisco ZIP 94121, Farmers ranks highest and Tesla Insurance ranks lowest.
Farmers ranks highest (91.8); Tesla Insurance ranks lowest (65.4). The middle bodily-injury percentile is 79.6. Reviewed plans are 26.3 points apart. Collision splits more (54.5 points), with Farmers highest and State Farm lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
79.6
Middle percentile across available plans.
BI plan spread
26.3
Farmers to Tesla Insurance.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, Tesla Insurance lowest.
Farmers
Farmers Auto
91.8
Within-plan percentile
Travelers
Quantum Auto 2.0
88.3
Within-plan percentile
State Farm
Private Passenger Auto
81.8
Within-plan percentile
Progressive
CA Select PPA
77.4
Within-plan percentile
Safeco
Private Passenger Auto
75.7
Within-plan percentile
Tesla Insurance
Tesla PPA
65.4
Within-plan percentile
Farmers ranks highest (92.4); State Farm ranks lowest (37.9). Collision spread is 54.5 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 | 79.6 | 26.3 pts | 65.4 | 75.7 | 88.3 | 91.8 | 77.4 | 81.8 |
| Property damage | 86.4 | 27.8 pts | 78.0 | 91.1 | 93.9 | 92.8 | 66.1 | 81.8 |
| Medical payments | 83.8 | 36.9 pts | 77.2 | 85.4 | 86.8 | 82.2 | 95.1 | 58.2 |
| Uninsured motorist BI | 33.8 | 55.1 pts | 26.3 | 23.1 | — | 33.8 | 78.2 | 39.8 |
| Uninsured motorist PD | 50.0 | 42.0 pts | 75.8 | 39.5 | — | 33.8 | 60.6 | — |
| Comprehensive | 53.0 | 26.5 pts | 32.9 | 30.7 | 53.5 | 52.4 | 57.2 | 54.4 |
| Collision | 80.9 | 54.5 pts | 77.2 | 89.1 | 84.6 | 92.4 | 60.6 | 37.9 |
Widest coverage spread
Uninsured motorist BI
Progressive and Safeco are 55.1 percentile points apart.
Closest agreement
Bodily injury
Available plans are 26.3 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.