Plans disagree · Lafayette, Contra Costa County · California ZIP 94549
Farmers and Tesla Insurance place Lafayette ZIP 94549 very differently.
Farmers ranks highest (47.6); Tesla Insurance ranks lowest (5.3). The middle bodily-injury percentile is 26.3. Reviewed plans are 42.2 points apart. Collision splits more (52.7 points), with Tesla Insurance highest and Progressive lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
26.3
Middle percentile across available plans.
BI plan spread
42.2
Farmers to Tesla Insurance.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, Tesla Insurance lowest.
Farmers
Farmers Auto
47.6
Within-plan percentile
State Farm
Private Passenger Auto
38.6
Within-plan percentile
Safeco
Private Passenger Auto
26.4
Within-plan percentile
Travelers
Quantum Auto 2.0
26.1
Within-plan percentile
Progressive
CA Select PPA
13.8
Within-plan percentile
Tesla Insurance
Tesla PPA
5.3
Within-plan percentile
Tesla Insurance ranks highest (85.2); Progressive ranks lowest (32.5). Collision spread is 52.7 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 | 26.3 | 42.2 pts | 5.3 | 26.4 | 26.1 | 47.6 | 13.8 | 38.6 |
| Property damage | 59.0 | 51.6 pts | 90.2 | 73.6 | 66.4 | 51.7 | 40.7 | 38.6 |
| Medical payments | 1.7 | 19.2 pts | 7.5 | 2.0 | 1.5 | 19.6 | 1.1 | 0.4 |
| Uninsured motorist BI | 21.0 | 57.4 pts | 57.4 | 21.0 | — | 4.4 | 13.5 | 61.8 |
| Uninsured motorist PD | 15.7 | 28.1 pts | 18.7 | 12.7 | — | 4.4 | 32.5 | — |
| Comprehensive | 40.4 | 57.7 pts | 71.4 | 68.2 | 21.6 | 13.7 | 21.3 | 59.1 |
| Collision | 50.1 | 52.7 pts | 85.2 | 50.9 | 50.0 | 50.1 | 32.5 | 46.4 |
Widest coverage spread
Comprehensive
Tesla Insurance and Farmers are 57.7 percentile points apart.
Closest agreement
Medical payments
Available plans are 19.2 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.
Nearby compared ZIPs
Berkeley, Alameda County
94709
Progressive ranks highest (85.7); Farmers ranks lowest (9.7).
Read breakdownBerkeley, Alameda County
94705
State Farm ranks highest (77.5); Tesla Insurance ranks lowest (7.1).
Read breakdownBerkeley, Alameda County
94720
Progressive ranks highest (85.3); Farmers ranks lowest (15.0).
Read breakdown