Plans disagree · San Francisco · California ZIP 94127
Progressive and Safeco place San Francisco ZIP 94127 very differently.
Progressive ranks highest (86.6); Safeco ranks lowest (5.9). The middle bodily-injury percentile is 58.4. Reviewed plans are 80.8 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
58.4
Middle percentile across available plans.
BI plan spread
80.8
Progressive to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, Safeco lowest.
Progressive
CA Select PPA
86.6
Within-plan percentile
Travelers
Quantum Auto 2.0
80.4
Within-plan percentile
Farmers
Farmers Auto
63.2
Within-plan percentile
Tesla Insurance
Tesla PPA
53.6
Within-plan percentile
State Farm
Private Passenger Auto
46.2
Within-plan percentile
Safeco
Private Passenger Auto
5.9
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 58.4 | 80.8 pts | 53.6 | 5.9 | 80.4 | 63.2 | 86.6 | 46.2 |
| Property damage | 85.2 | 46.2 pts | 75.9 | 82.3 | 92.4 | 88.1 | 91.9 | 46.2 |
| Medical payments | 49.5 | 69.7 pts | 63.0 | 46.4 | 80.0 | 52.7 | 41.3 | 10.3 |
| Uninsured motorist BI | 17.0 | 78.6 pts | 14.0 | 35.3 | — | 17.0 | 86.3 | 7.7 |
| Uninsured motorist PD | 36.7 | 41.2 pts | 26.6 | 46.7 | — | 17.0 | 58.2 | — |
| Comprehensive | 39.1 | 29.7 pts | 40.2 | 49.4 | 53.5 | 28.3 | 38.1 | 23.9 |
| Collision | 75.3 | 33.1 pts | 90.3 | 69.3 | 81.4 | 86.0 | 58.2 | 57.2 |
Widest coverage spread
Bodily injury
Progressive and Safeco are 80.8 percentile points apart.
Closest agreement
Comprehensive
Available plans are 29.7 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.