Compared ZIP · Lucerne, Lake County · California ZIP 95458
In Lucerne ZIP 95458, Tesla Insurance ranks highest and Farmers ranks lowest.
Tesla Insurance ranks highest (29.5); Farmers ranks lowest (2.2). The middle bodily-injury percentile is 20.5. Reviewed plans are 27.2 points apart. Collision splits more (85.5 points), with Tesla Insurance highest and Safeco lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
20.5
Middle percentile across available plans.
BI plan spread
27.2
Tesla Insurance to Farmers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, Farmers lowest.
Tesla Insurance
Tesla PPA
29.5
Within-plan percentile
State Farm
Private Passenger Auto
24.9
Within-plan percentile
Progressive
CA Select PPA
21.8
Within-plan percentile
Safeco
Private Passenger Auto
19.1
Within-plan percentile
Travelers
Quantum Auto 2.0
8.9
Within-plan percentile
Farmers
Farmers Auto
2.2
Within-plan percentile
Tesla Insurance ranks highest (87.5); Safeco ranks lowest (2.0). Collision spread is 85.5 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 | 20.5 | 27.2 pts | 29.5 | 19.1 | 8.9 | 2.2 | 21.8 | 24.9 |
| Property damage | 20.3 | 21.6 pts | 13.3 | 8.7 | 17.9 | 30.3 | 22.7 | 24.9 |
| Medical payments | 42.4 | 47.7 pts | 30.2 | 44.0 | 37.7 | 64.8 | 77.9 | 40.9 |
| Uninsured motorist BI | 29.6 | 20.2 pts | 38.2 | 29.6 | — | 18.1 | 21.7 | 36.1 |
| Uninsured motorist PD | 12.6 | 58.7 pts | 7.1 | 4.6 | — | 18.1 | 63.3 | — |
| Comprehensive | 67.9 | 54.4 pts | 95.5 | 78.0 | 63.1 | 41.1 | 72.6 | 49.9 |
| Collision | 33.9 | 85.5 pts | 87.5 | 2.0 | 22.0 | 19.3 | 63.3 | 45.8 |
Widest coverage spread
Collision
Tesla Insurance and Safeco are 85.5 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 20.2 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
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