Plans disagree · Bakersfield, Kern County · California ZIP 93301
State Farm and Farmers place Bakersfield ZIP 93301 very differently.
State Farm ranks highest (83.0); Farmers ranks lowest (27.7). The middle bodily-injury percentile is 77.4. Reviewed plans are 55.3 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
77.4
Middle percentile across available plans.
BI plan spread
55.3
State Farm to Farmers.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Farmers lowest.
State Farm
Private Passenger Auto
83.0
Within-plan percentile
Tesla Insurance
Tesla PPA
79.0
Within-plan percentile
Progressive
CA Select PPA
77.4
Within-plan percentile
Travelers
Quantum Auto 2.0
70.9
Within-plan percentile
Farmers
Farmers Auto
27.7
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 77.4 | 55.3 pts | 79.0 | — | 70.9 | 27.7 | 77.4 | 83.0 |
| Property damage | 78.6 | 34.9 pts | 74.1 | — | 48.7 | 78.6 | 83.6 | 83.0 |
| Medical payments | 54.4 | 60.1 pts | 78.1 | — | 54.4 | 61.2 | 18.0 | 51.4 |
| Uninsured motorist BI | 42.4 | 73.4 pts | 51.1 | — | — | 4.8 | 78.2 | 33.7 |
| Uninsured motorist PD | 77.4 | 78.1 pts | 82.9 | — | — | 4.8 | 77.4 | — |
| Comprehensive | 76.0 | 63.4 pts | 24.5 | — | 50.1 | 76.0 | 87.9 | 78.6 |
| Collision | 71.0 | 62.7 pts | 14.7 | — | 50.0 | 71.0 | 77.4 | 75.0 |
Widest coverage spread
Uninsured motorist PD
Tesla Insurance and Farmers are 78.1 percentile points apart.
Closest agreement
Property damage
Available plans are 34.9 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.
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