Broadly lower position · Stanford, Santa Clara County · California ZIP 94305
Stanford ZIP 94305 ranks near the lower end across plans.
State Farm ranks highest (38.6); Safeco ranks lowest (22.3). The middle bodily-injury percentile is 26.6. Reviewed plans are 16.3 points apart. Collision splits more (65.0 points), with Farmers highest and Safeco lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
26.6
Middle percentile across available plans.
BI plan spread
16.3
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
38.6
Within-plan percentile
Travelers
Quantum Auto 2.0
30.0
Within-plan percentile
Progressive
CA Select PPA
27.3
Within-plan percentile
Tesla Insurance
Tesla PPA
25.9
Within-plan percentile
Farmers
Farmers Auto
22.7
Within-plan percentile
Safeco
Private Passenger Auto
22.3
Within-plan percentile
Farmers ranks highest (74.3); Safeco ranks lowest (9.3). Collision spread is 65.0 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 | 26.6 | 16.3 pts | 25.9 | 22.3 | 30.0 | 22.7 | 27.3 | 38.6 |
| Property damage | 65.8 | 47.1 pts | 78.0 | 85.7 | 69.7 | 61.1 | 61.8 | 38.6 |
| Medical payments | 3.1 | 19.2 pts | 17.1 | 0.2 | 3.8 | 2.0 | 2.5 | 19.5 |
| Uninsured motorist BI | 2.2 | 26.6 pts | 2.2 | 1.9 | — | 0.6 | 27.2 | 9.3 |
| Uninsured motorist PD | 31.1 | 49.4 pts | 50.0 | 37.5 | — | 0.6 | 24.6 | — |
| Comprehensive | 6.0 | 56.3 pts | 57.2 | 3.0 | 7.6 | 4.3 | 19.4 | 0.9 |
| Collision | 21.9 | 65.0 pts | 39.2 | 9.3 | 19.1 | 74.3 | 24.6 | 10.3 |
Widest coverage spread
Collision
Farmers and Safeco are 65.0 percentile points apart.
Closest agreement
Bodily injury
Available plans are 16.3 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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