Plans disagree · Los Altos, Santa Clara County · California ZIP 94024
Progressive and Tesla Insurance place Los Altos ZIP 94024 very differently.
Progressive ranks highest (71.4); Tesla Insurance ranks lowest (4.2). The middle bodily-injury percentile is 23.2. Reviewed plans are 67.2 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
23.2
Middle percentile across available plans.
BI plan spread
67.2
Progressive to Tesla Insurance.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, Tesla Insurance lowest.
Progressive
CA Select PPA
71.4
Within-plan percentile
State Farm
Private Passenger Auto
24.1
Within-plan percentile
Travelers
Quantum Auto 2.0
23.2
Within-plan percentile
Farmers
Farmers Auto
16.7
Within-plan percentile
Tesla Insurance
Tesla PPA
4.2
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 | 23.2 | 67.2 pts | 4.2 | — | 23.2 | 16.7 | 71.4 | 24.1 |
| Property damage | 62.1 | 60.1 pts | 57.1 | — | 69.7 | 62.1 | 84.2 | 24.1 |
| Medical payments | 5.8 | 38.2 pts | 10.9 | — | 1.5 | 0.0 | 38.3 | 5.8 |
| Uninsured motorist BI | 7.1 | 63.5 pts | 4.9 | — | — | 0.1 | 63.6 | 9.3 |
| Uninsured motorist PD | 31.5 | 49.0 pts | 49.1 | — | — | 0.1 | 31.5 | — |
| Comprehensive | 4.5 | 38.8 pts | 40.1 | — | 2.4 | 1.3 | 4.5 | 6.6 |
| Collision | 30.9 | 51.7 pts | 27.2 | — | 26.6 | 78.2 | 31.5 | 30.9 |
Widest coverage spread
Bodily injury
Progressive and Tesla Insurance are 67.2 percentile points apart.
Closest agreement
Medical payments
Available plans are 38.2 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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