Plans disagree · Pacheco, Contra Costa County · California ZIP 94553
State Farm and Progressive place Pacheco ZIP 94553 very differently.
State Farm ranks highest (58.7); Progressive ranks lowest (7.0). The middle bodily-injury percentile is 12.3. Reviewed plans are 51.7 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
12.3
Middle percentile across available plans.
BI plan spread
51.7
State Farm to Progressive.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Progressive lowest.
State Farm
Private Passenger Auto
58.7
Within-plan percentile
Travelers
Quantum Auto 2.0
19.3
Within-plan percentile
Farmers
Farmers Auto
12.4
Within-plan percentile
Safeco
Private Passenger Auto
12.2
Within-plan percentile
Tesla Insurance
Tesla PPA
8.3
Within-plan percentile
Progressive
CA Select PPA
7.0
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 12.3 | 51.7 pts | 8.3 | 12.2 | 19.3 | 12.4 | 7.0 | 58.7 |
| Property damage | 57.5 | 27.8 pts | 61.9 | 53.6 | 56.2 | 63.5 | 35.7 | 58.7 |
| Medical payments | 30.7 | 55.8 pts | 72.3 | 31.7 | 21.9 | 29.7 | 56.4 | 16.5 |
| Uninsured motorist BI | 7.0 | 18.7 pts | 11.1 | 21.6 | — | 5.6 | 7.0 | 2.8 |
| Uninsured motorist PD | 38.9 | 49.5 pts | 55.1 | 45.4 | — | 5.6 | 32.5 | — |
| Comprehensive | 37.4 | 59.2 pts | 64.8 | 78.0 | 35.6 | 18.8 | 31.6 | 39.3 |
| Collision | 34.3 | 46.2 pts | 36.0 | 54.6 | 57.1 | 10.8 | 32.5 | 18.2 |
Widest coverage spread
Comprehensive
Safeco and Farmers are 59.2 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 18.7 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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