Compared ZIP · Oakhurst, Madera County · California ZIP 93644
In Oakhurst ZIP 93644, Tesla Insurance ranks highest and Progressive ranks lowest.
Tesla Insurance ranks highest (40.7); Progressive ranks lowest (9.1). The middle bodily-injury percentile is 35.7. Reviewed plans are 31.6 points apart. Collision splits more (67.2 points), with Tesla Insurance highest and State Farm lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
35.7
Middle percentile across available plans.
BI plan spread
31.6
Tesla Insurance to Progressive.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, Progressive lowest.
Tesla Insurance
Tesla PPA
40.7
Within-plan percentile
Travelers
Quantum Auto 2.0
37.1
Within-plan percentile
State Farm
Private Passenger Auto
35.7
Within-plan percentile
Farmers
Farmers Auto
25.2
Within-plan percentile
Progressive
CA Select PPA
9.1
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Tesla Insurance ranks highest (72.7); State Farm ranks lowest (5.6). Collision spread is 67.2 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 | 35.7 | 31.6 pts | 40.7 | — | 37.1 | 25.2 | 9.1 | 35.7 |
| Property damage | 15.9 | 35.4 pts | 15.9 | — | 15.3 | 46.8 | 11.4 | 35.7 |
| Medical payments | 30.9 | 71.2 pts | 71.7 | — | 8.4 | 30.9 | 73.8 | 2.5 |
| Uninsured motorist BI | 66.3 | 73.3 pts | 78.3 | — | — | 54.3 | 9.1 | 82.4 |
| Uninsured motorist PD | 32.6 | 48.6 pts | 32.6 | — | — | 54.3 | 5.7 | — |
| Comprehensive | 42.2 | 59.1 pts | 42.2 | — | 72.0 | 63.7 | 21.3 | 12.9 |
| Collision | 24.9 | 67.2 pts | 72.7 | — | 30.8 | 24.9 | 5.7 | 5.6 |
Widest coverage spread
Uninsured motorist BI
State Farm and Progressive are 73.3 percentile points apart.
Closest agreement
Bodily injury
Available plans are 31.6 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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