Plans disagree · San Francisco · California ZIP 94123
Travelers and State Farm place San Francisco ZIP 94123 very differently.
Travelers ranks highest (80.4); State Farm ranks lowest (38.6). The middle bodily-injury percentile is 56.1. Reviewed plans are 41.8 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
56.1
Middle percentile across available plans.
BI plan spread
41.8
Travelers to State Farm.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, State Farm lowest.
Travelers
Quantum Auto 2.0
80.4
Within-plan percentile
Tesla Insurance
Tesla PPA
76.3
Within-plan percentile
Farmers
Farmers Auto
62.2
Within-plan percentile
Progressive
CA Select PPA
49.9
Within-plan percentile
Safeco
Private Passenger Auto
39.2
Within-plan percentile
State Farm
Private Passenger Auto
38.6
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 56.1 | 41.8 pts | 76.3 | 39.2 | 80.4 | 62.2 | 49.9 | 38.6 |
| Property damage | 66.0 | 53.8 pts | 66.7 | 77.6 | 92.4 | 51.7 | 65.2 | 38.6 |
| Medical payments | 13.6 | 89.7 pts | 90.8 | 1.6 | 21.9 | 16.0 | 1.1 | 11.2 |
| Uninsured motorist BI | 9.0 | 47.6 pts | 7.5 | 9.0 | — | 2.4 | 49.9 | 9.3 |
| Uninsured motorist PD | 11.8 | 78.1 pts | 13.6 | 10.0 | — | 2.4 | 80.5 | — |
| Comprehensive | 51.7 | 57.0 pts | 44.3 | 85.1 | 60.3 | 59.0 | 35.3 | 28.1 |
| Collision | 82.6 | 25.6 pts | 91.7 | 79.0 | 89.1 | 84.6 | 80.5 | 66.0 |
Widest coverage spread
Medical payments
Tesla Insurance and Progressive are 89.7 percentile points apart.
Closest agreement
Collision
Available plans are 25.6 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.
Nearby compared ZIPs
San Francisco
94127
Progressive ranks highest (86.6); Safeco ranks lowest (5.9).
Read breakdownRichmond, Contra Costa County
94804
State Farm ranks highest (84.2); Tesla Insurance ranks lowest (14.8).
Read breakdownSan Francisco
94158
Travelers ranks highest (80.4); Safeco ranks lowest (11.7).
Read breakdown