Compared ZIP · Santa Barbara · California ZIP 93102
In Santa Barbara ZIP 93102, Farmers ranks highest and Safeco ranks lowest.
Farmers ranks highest (83.4); Safeco ranks lowest (62.8). The middle bodily-injury percentile is 66.6. Reviewed plans are 20.6 points apart. Collision splits more (34.0 points), with State Farm highest and Safeco lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
66.6
Middle percentile across available plans.
BI plan spread
20.6
Farmers to Safeco.
Plans available
3
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, Safeco lowest.
Farmers
Farmers Auto
83.4
Within-plan percentile
State Farm
Private Passenger Auto
66.6
Within-plan percentile
Safeco
Private Passenger Auto
62.8
Within-plan percentile
Tesla Insurance
Tesla PPA
—
Within-plan percentile
Travelers
Quantum Auto 2.0
—
Within-plan percentile
Progressive
CA Select PPA
—
Within-plan percentile
State Farm ranks highest (61.2); Safeco ranks lowest (27.2). Collision spread is 34.0 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 | 66.6 | 20.6 pts | — | 62.8 | — | 83.4 | — | 66.6 |
| Property damage | 59.9 | 24.8 pts | — | 59.9 | — | 41.7 | — | 66.6 |
| Medical payments | 67.9 | 31.6 pts | — | 67.9 | — | 88.7 | — | 57.1 |
| Uninsured motorist BI | 64.5 | 12.5 pts | — | 64.5 | — | 52.8 | — | 65.3 |
| Uninsured motorist PD | 55.7 | 5.7 pts | — | 58.5 | — | 52.8 | — | — |
| Comprehensive | 25.4 | 31.0 pts | — | 35.6 | — | 25.4 | — | 4.6 |
| Collision | 43.8 | 34.0 pts | — | 27.2 | — | 43.8 | — | 61.2 |
Widest coverage spread
Collision
State Farm and Safeco are 34.0 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 5.7 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.