Plans disagree · El Cerrito, Contra Costa County · California ZIP 94530
Travelers and Safeco place El Cerrito ZIP 94530 very differently.
Travelers ranks highest (65.8); Safeco ranks lowest (1.1). The middle bodily-injury percentile is 27.1. Reviewed plans are 64.7 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
27.1
Middle percentile across available plans.
BI plan spread
64.7
Travelers to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Safeco lowest.
Travelers
Quantum Auto 2.0
65.8
Within-plan percentile
State Farm
Private Passenger Auto
61.0
Within-plan percentile
Farmers
Farmers Auto
28.4
Within-plan percentile
Progressive
CA Select PPA
25.8
Within-plan percentile
Tesla Insurance
Tesla PPA
12.0
Within-plan percentile
Safeco
Private Passenger Auto
1.1
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 27.1 | 64.7 pts | 12.0 | 1.1 | 65.8 | 28.4 | 25.8 | 61.0 |
| Property damage | 63.4 | 45.5 pts | 61.7 | 69.5 | 72.5 | 27.0 | 65.2 | 61.0 |
| Medical payments | 54.7 | 34.2 pts | 82.0 | 54.1 | 54.4 | 47.8 | 54.9 | 61.9 |
| Uninsured motorist BI | 25.8 | 47.8 pts | 24.5 | 26.9 | — | 72.2 | 25.8 | 25.2 |
| Uninsured motorist PD | 53.1 | 39.9 pts | 32.3 | 47.3 | — | 72.2 | 58.9 | — |
| Comprehensive | 38.6 | 52.0 pts | 60.1 | 53.6 | 41.9 | 18.8 | 35.3 | 8.1 |
| Collision | 33.9 | 53.3 pts | 10.8 | 34.1 | 64.1 | 33.7 | 58.9 | 13.9 |
Widest coverage spread
Bodily injury
Travelers and Safeco are 64.7 percentile points apart.
Closest agreement
Medical payments
Available plans are 34.2 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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