Plans disagree · Johannesburg, Kern County · California ZIP 93558
Farmers and State Farm place Johannesburg ZIP 93558 very differently.
Farmers ranks highest (59.3); State Farm ranks lowest (6.4). The middle bodily-injury percentile is 46.1. Reviewed plans are 52.9 points apart. Collision splits more (70.6 points), with Progressive highest and Travelers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
46.1
Middle percentile across available plans.
BI plan spread
52.9
Farmers to State Farm.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, State Farm lowest.
Farmers
Farmers Auto
59.3
Within-plan percentile
Progressive
CA Select PPA
55.7
Within-plan percentile
Tesla Insurance
Tesla PPA
46.1
Within-plan percentile
Travelers
Quantum Auto 2.0
15.0
Within-plan percentile
State Farm
Private Passenger Auto
6.4
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Progressive ranks highest (74.3); Travelers ranks lowest (3.7). Collision spread is 70.6 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 | 46.1 | 52.9 pts | 46.1 | — | 15.0 | 59.3 | 55.7 | 6.4 |
| Property damage | 15.8 | 19.6 pts | 26.0 | — | 13.0 | 15.8 | 19.6 | 6.4 |
| Medical payments | 31.9 | 44.9 pts | 26.8 | — | 16.3 | 61.2 | 37.4 | 31.9 |
| Uninsured motorist BI | 60.3 | 48.9 pts | 65.0 | — | — | 41.3 | 55.7 | 90.2 |
| Uninsured motorist PD | 41.3 | 70.3 pts | 4.0 | — | — | 41.3 | 74.3 | — |
| Comprehensive | 47.4 | 53.3 pts | 3.9 | — | 47.4 | 52.4 | 57.2 | 41.4 |
| Collision | 58.8 | 70.6 pts | 43.5 | — | 3.7 | 58.8 | 74.3 | 67.7 |
Widest coverage spread
Collision
Progressive and Travelers are 70.6 percentile points apart.
Closest agreement
Property damage
Available plans are 19.6 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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