Compared ZIP · Santa Monica, Los Angeles County · California ZIP 90403
In Santa Monica ZIP 90403, Farmers ranks highest and State Farm ranks lowest.
Farmers ranks highest (96.7); State Farm ranks lowest (68.9). The middle bodily-injury percentile is 82.3. Reviewed plans are 27.9 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
82.3
Middle percentile across available plans.
BI plan spread
27.9
Farmers to State Farm.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, State Farm lowest.
Farmers
Farmers Auto
96.7
Within-plan percentile
Travelers
Quantum Auto 2.0
94.4
Within-plan percentile
Progressive
CA Select PPA
82.6
Within-plan percentile
Safeco
Private Passenger Auto
82.0
Within-plan percentile
Tesla Insurance
Tesla PPA
72.4
Within-plan percentile
State Farm
Private Passenger Auto
68.9
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 82.3 | 27.9 pts | 72.4 | 82.0 | 94.4 | 96.7 | 82.6 | 68.9 |
| Property damage | 95.0 | 28.6 pts | 96.0 | 95.1 | 97.5 | 95.0 | 88.9 | 68.9 |
| Medical payments | 82.8 | 37.8 pts | 48.5 | 76.1 | 83.3 | 86.3 | 84.0 | 82.2 |
| Uninsured motorist BI | 69.0 | 24.3 pts | 69.0 | 58.5 | — | 66.8 | 82.8 | 72.7 |
| Uninsured motorist PD | 63.3 | 33.7 pts | 59.9 | 48.1 | — | 66.8 | 81.8 | — |
| Comprehensive | 30.9 | 58.5 pts | 30.6 | 19.1 | 43.2 | 77.6 | 23.7 | 31.2 |
| Collision | 85.8 | 30.3 pts | 93.3 | 88.7 | 64.1 | 94.3 | 81.8 | 82.9 |
Widest coverage spread
Comprehensive
Farmers and Safeco are 58.5 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 24.3 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
Los Angeles
90095
Farmers ranks highest (98.5); Safeco ranks lowest (54.7).
Read breakdownLos Angeles
90045
Farmers ranks highest (94.3); Tesla Insurance ranks lowest (51.8).
Read breakdownPlaya del Rey, Los Angeles County
90094
Travelers ranks highest (93.7); Progressive ranks lowest (58.7).
Read breakdown