Plans disagree · Madera · California ZIP 93638
State Farm and Tesla Insurance place Madera ZIP 93638 very differently.
State Farm ranks highest (65.3); Tesla Insurance ranks lowest (11.2). The middle bodily-injury percentile is 24.2. Reviewed plans are 54.1 points apart. Collision splits more (65.9 points), with State Farm highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
24.2
Middle percentile across available plans.
BI plan spread
54.1
State Farm to Tesla Insurance.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Tesla Insurance lowest.
State Farm
Private Passenger Auto
65.3
Within-plan percentile
Travelers
Quantum Auto 2.0
50.4
Within-plan percentile
Farmers
Farmers Auto
24.2
Within-plan percentile
Progressive
CA Select PPA
19.3
Within-plan percentile
Tesla Insurance
Tesla PPA
11.2
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
State Farm ranks highest (82.5); Tesla Insurance ranks lowest (16.5). Collision spread is 65.9 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 | 24.2 | 54.1 pts | 11.2 | — | 50.4 | 24.2 | 19.3 | 65.3 |
| Property damage | 32.7 | 51.9 pts | 13.3 | — | 35.9 | 32.7 | 32.2 | 65.3 |
| Medical payments | 47.4 | 69.4 pts | 91.2 | — | 62.3 | 21.7 | 47.4 | 39.7 |
| Uninsured motorist BI | 20.7 | 20.0 pts | 22.1 | — | — | 38.6 | 19.3 | 18.5 |
| Uninsured motorist PD | 38.6 | 44.1 pts | 77.3 | — | — | 38.6 | 33.2 | — |
| Comprehensive | 69.9 | 36.2 pts | 49.6 | — | 60.3 | 85.8 | 69.9 | 79.0 |
| Collision | 33.2 | 65.9 pts | 16.5 | — | 26.6 | 58.8 | 33.2 | 82.5 |
Widest coverage spread
Medical payments
Tesla Insurance and Farmers are 69.4 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 20.0 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
Catheys Valley, Mariposa County
95306
Tesla Insurance ranks highest (83.4); State Farm ranks lowest (6.4).
Read breakdownPlanada, Merced County
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Farmers ranks highest (89.3); State Farm ranks lowest (15.5).
Read breakdownFresno
93726
Progressive ranks highest (93.6); State Farm ranks lowest (28.2).
Read breakdown