Plans disagree · City of Commerce, Los Angeles County · California ZIP 90040
Travelers and Progressive place City of Commerce ZIP 90040 very differently.
Travelers ranks highest (88.3); Progressive ranks lowest (45.7). The middle bodily-injury percentile is 78.6. Reviewed plans are 42.6 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
78.6
Middle percentile across available plans.
BI plan spread
42.6
Travelers to Progressive.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Progressive lowest.
Travelers
Quantum Auto 2.0
88.3
Within-plan percentile
State Farm
Private Passenger Auto
83.2
Within-plan percentile
Farmers
Farmers Auto
79.2
Within-plan percentile
Safeco
Private Passenger Auto
78.1
Within-plan percentile
Tesla Insurance
Tesla PPA
64.1
Within-plan percentile
Progressive
CA Select PPA
45.7
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 78.6 | 42.6 pts | 64.1 | 78.1 | 88.3 | 79.2 | 45.7 | 83.2 |
| Property damage | 66.4 | 22.1 pts | 67.4 | 65.5 | 79.8 | 63.5 | 61.1 | 83.2 |
| Medical payments | 69.8 | 52.5 pts | 60.2 | 47.6 | 86.8 | 93.0 | 40.5 | 79.4 |
| Uninsured motorist BI | 88.3 | 46.3 pts | 90.5 | 88.3 | — | 84.1 | 45.7 | 92.0 |
| Uninsured motorist PD | 92.7 | 12.7 pts | 92.2 | 96.9 | — | 84.1 | 93.3 | — |
| Comprehensive | 87.6 | 39.2 pts | 58.7 | 65.1 | 86.6 | 97.9 | 88.7 | 92.3 |
| Collision | 85.1 | 20.5 pts | 81.6 | 72.7 | 82.8 | 87.4 | 93.3 | 91.6 |
Widest coverage spread
Medical payments
Farmers and Progressive are 52.5 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 12.7 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.
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