Broadly higher position · San Bernardino · California ZIP 92404
San Bernardino ZIP 92404 ranks near the higher end across plans.
State Farm ranks highest (85.5); Tesla Insurance ranks lowest (66.4). The middle bodily-injury percentile is 74.9. Reviewed plans are 19.1 points apart. Collision splits more (35.6 points), with Tesla Insurance highest and Progressive lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
74.9
Middle percentile across available plans.
BI plan spread
19.1
State Farm to Tesla Insurance.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Tesla Insurance lowest.
State Farm
Private Passenger Auto
85.5
Within-plan percentile
Progressive
CA Select PPA
80.4
Within-plan percentile
Safeco
Private Passenger Auto
78.9
Within-plan percentile
Travelers
Quantum Auto 2.0
70.9
Within-plan percentile
Farmers
Farmers Auto
68.6
Within-plan percentile
Tesla Insurance
Tesla PPA
66.4
Within-plan percentile
Tesla Insurance ranks highest (97.4); Progressive ranks lowest (61.8). Collision spread is 35.6 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 | 74.9 | 19.1 pts | 66.4 | 78.9 | 70.9 | 68.6 | 80.4 | 85.5 |
| Property damage | 63.6 | 36.7 pts | 48.8 | 64.7 | 48.7 | 71.3 | 62.5 | 85.5 |
| Medical payments | 44.0 | 63.6 pts | 44.1 | 44.0 | 73.4 | 9.8 | 48.7 | 25.5 |
| Uninsured motorist BI | 81.5 | 9.9 pts | 88.7 | 78.8 | — | 88.6 | 80.7 | 81.5 |
| Uninsured motorist PD | 91.2 | 36.5 pts | 98.2 | 93.9 | — | 88.6 | 61.8 | — |
| Comprehensive | 64.2 | 15.8 pts | 62.6 | 65.8 | 60.3 | 76.0 | 69.9 | 61.8 |
| Collision | 78.2 | 35.6 pts | 97.4 | 68.9 | 94.1 | 71.0 | 61.8 | 85.3 |
Widest coverage spread
Medical payments
Travelers and Farmers are 63.6 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 9.9 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
Riverside
92507
Tesla Insurance ranks highest (93.9); Progressive ranks lowest (21.1).
Read breakdownRiverside
92501
Tesla Insurance ranks highest (85.1); Progressive ranks lowest (20.3).
Read breakdownCrestline, San Bernardino County
92322
Progressive ranks highest (85.3); Safeco ranks lowest (22.0).
Read breakdown