Plans disagree · Sand City, Monterey County · California ZIP 93955
State Farm and Safeco place Sand City ZIP 93955 very differently.
State Farm ranks highest (49.6); Safeco ranks lowest (5.9). The middle bodily-injury percentile is 20.1. Reviewed plans are 43.7 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
20.1
Middle percentile across available plans.
BI plan spread
43.7
State Farm to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Safeco lowest.
State Farm
Private Passenger Auto
49.6
Within-plan percentile
Progressive
CA Select PPA
27.3
Within-plan percentile
Travelers
Quantum Auto 2.0
21.4
Within-plan percentile
Tesla Insurance
Tesla PPA
18.9
Within-plan percentile
Farmers
Farmers Auto
10.1
Within-plan percentile
Safeco
Private Passenger Auto
5.9
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 20.1 | 43.7 pts | 18.9 | 5.9 | 21.4 | 10.1 | 27.3 | 49.6 |
| Property damage | 45.4 | 36.6 pts | 41.2 | 53.6 | 35.9 | 22.3 | 58.9 | 49.6 |
| Medical payments | 60.1 | 45.3 pts | 42.6 | 47.4 | 37.7 | 80.7 | 83.0 | 72.7 |
| Uninsured motorist BI | 4.6 | 32.8 pts | 1.7 | 4.6 | — | 33.8 | 27.2 | 0.9 |
| Uninsured motorist PD | 26.1 | 24.9 pts | 29.8 | 22.4 | — | 33.8 | 8.9 | — |
| Comprehensive | 26.0 | 36.3 pts | 9.0 | 26.8 | 18.5 | 28.3 | 25.3 | 45.4 |
| Collision | 8.2 | 40.9 pts | 0.8 | 18.9 | 7.5 | 1.4 | 8.9 | 41.7 |
Widest coverage spread
Medical payments
Progressive and Travelers are 45.3 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 24.9 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.
Nearby compared ZIPs
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93907
Tesla Insurance ranks highest (91.1); Travelers ranks lowest (12.2).
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Farmers ranks highest (68.0); State Farm ranks lowest (1.5).
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