Plans disagree · Castro Valley, Alameda County · California ZIP 94546
Travelers and Farmers place Castro Valley ZIP 94546 very differently.
Travelers ranks highest (62.6); Farmers ranks lowest (3.0). The middle bodily-injury percentile is 22.7. Reviewed plans are 59.6 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
22.7
Middle percentile across available plans.
BI plan spread
59.6
Travelers to Farmers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Farmers lowest.
Travelers
Quantum Auto 2.0
62.6
Within-plan percentile
State Farm
Private Passenger Auto
43.5
Within-plan percentile
Safeco
Private Passenger Auto
29.2
Within-plan percentile
Progressive
CA Select PPA
16.3
Within-plan percentile
Tesla Insurance
Tesla PPA
7.8
Within-plan percentile
Farmers
Farmers Auto
3.0
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 22.7 | 59.6 pts | 7.8 | 29.2 | 62.6 | 3.0 | 16.3 | 43.5 |
| Property damage | 58.8 | 56.0 pts | 54.9 | 65.7 | 62.6 | 27.6 | 83.6 | 43.5 |
| Medical payments | 63.8 | 55.7 pts | 81.2 | 72.7 | 77.1 | 45.4 | 54.9 | 25.5 |
| Uninsured motorist BI | 34.9 | 63.9 pts | 34.9 | 35.9 | — | 73.3 | 16.9 | 9.3 |
| Uninsured motorist PD | 52.8 | 45.3 pts | 40.1 | 65.4 | — | 73.3 | 28.0 | — |
| Comprehensive | 60.8 | 57.2 pts | 74.9 | 82.7 | 47.4 | 34.5 | 74.2 | 25.5 |
| Collision | 32.5 | 60.6 pts | 51.9 | 37.0 | 71.1 | 10.5 | 28.0 | 21.2 |
Widest coverage spread
Uninsured motorist BI
Farmers and State Farm are 63.9 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 45.3 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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