Broadly lower position · California ZIP 94205
ZIP 94205 ranks near the lower end across plans.
Farmers ranks highest (31.1); Tesla Insurance ranks lowest (13.1). The middle bodily-injury percentile is 22.1. Reviewed plans are 18.0 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
22.1
Middle percentile across available plans.
BI plan spread
18.0
Farmers to Tesla Insurance.
Plans available
2
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, Tesla Insurance lowest.
Farmers
Farmers Auto
31.1
Within-plan percentile
Tesla Insurance
Tesla PPA
13.1
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Travelers
Quantum Auto 2.0
—
Within-plan percentile
Progressive
CA Select PPA
—
Within-plan percentile
State Farm
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 | 22.1 | 18.0 pts | 13.1 | — | — | 31.1 | — | — |
| Property damage | 57.8 | 43.5 pts | 79.6 | — | — | 36.1 | — | — |
| Medical payments | 70.7 | 34.3 pts | 87.9 | — | — | 53.6 | — | — |
| Uninsured motorist BI | 43.0 | 32.0 pts | 59.0 | — | — | 27.0 | — | — |
| Uninsured motorist PD | 46.1 | 38.2 pts | 65.2 | — | — | 27.0 | — | — |
| Comprehensive | 52.3 | 20.3 pts | 42.2 | — | — | 62.5 | — | — |
| Collision | 74.1 | 19.2 pts | 64.5 | — | — | 83.7 | — | — |
Widest coverage spread
Property damage
Tesla Insurance and Farmers are 43.5 percentile points apart.
Closest agreement
Bodily injury
Available plans are 18.0 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
Carlotta, Humboldt County
95528
Travelers ranks highest (4.5); Safeco ranks lowest (0.1).
Read breakdownEdgewood, Siskiyou County
96094
Progressive ranks highest (8.2); Tesla Insurance ranks lowest (1.1).
Read breakdownHopland, Mendocino County
95449
State Farm ranks highest (17.7); Progressive ranks lowest (0.9).
Read breakdown