Broadly higher position · Santa Monica, Los Angeles County · California ZIP 90402
Santa Monica ZIP 90402 ranks near the higher end across plans.
Travelers ranks highest (98.0); Progressive ranks lowest (91.9). The middle bodily-injury percentile is 93.5. Reviewed plans are 6.1 points apart. Collision splits more (17.8 points), with Tesla Insurance highest and Travelers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
93.5
Middle percentile across available plans.
BI plan spread
6.1
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
98.0
Within-plan percentile
Tesla Insurance
Tesla PPA
95.0
Within-plan percentile
State Farm
Private Passenger Auto
93.8
Within-plan percentile
Safeco
Private Passenger Auto
93.2
Within-plan percentile
Farmers
Farmers Auto
93.1
Within-plan percentile
Progressive
CA Select PPA
91.9
Within-plan percentile
Tesla Insurance ranks highest (95.3); Travelers ranks lowest (77.5). Collision spread is 17.8 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 | 93.5 | 6.1 pts | 95.0 | 93.2 | 98.0 | 93.1 | 91.9 | 93.8 |
| Property damage | 96.4 | 10.2 pts | 98.2 | 95.7 | 99.1 | 97.1 | 88.9 | 93.8 |
| Medical payments | 24.0 | 77.5 pts | 21.9 | 26.0 | 83.3 | 56.4 | 5.8 | 10.3 |
| Uninsured motorist BI | 75.4 | 20.4 pts | 83.4 | 71.3 | — | 75.4 | 91.7 | 73.3 |
| Uninsured motorist PD | 68.9 | 47.4 pts | 62.4 | 47.3 | — | 75.4 | 94.6 | — |
| Comprehensive | 48.9 | 40.6 pts | 36.7 | 46.4 | 43.2 | 77.4 | 68.2 | 51.5 |
| Collision | 94.0 | 17.8 pts | 95.3 | 92.5 | 77.5 | 94.6 | 94.6 | 93.5 |
Widest coverage spread
Medical payments
Travelers and Progressive are 77.5 percentile points apart.
Closest agreement
Bodily injury
Available plans are 6.1 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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