Plans disagree · Moraga, Contra Costa County · California ZIP 94556
Travelers and Tesla Insurance place Moraga ZIP 94556 very differently.
Travelers ranks highest (62.6); Tesla Insurance ranks lowest (0.3). The middle bodily-injury percentile is 40.0. Reviewed plans are 62.3 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
40.0
Middle percentile across available plans.
BI plan spread
62.3
Travelers to Tesla Insurance.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Tesla Insurance lowest.
Travelers
Quantum Auto 2.0
62.6
Within-plan percentile
State Farm
Private Passenger Auto
57.6
Within-plan percentile
Farmers
Farmers Auto
50.9
Within-plan percentile
Progressive
CA Select PPA
29.0
Within-plan percentile
Safeco
Private Passenger Auto
0.8
Within-plan percentile
Tesla Insurance
Tesla PPA
0.3
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 40.0 | 62.3 pts | 0.3 | 0.8 | 62.6 | 50.9 | 29.0 | 57.6 |
| Property damage | 65.7 | 25.6 pts | 53.0 | 72.8 | 75.1 | 78.6 | 58.5 | 57.6 |
| Medical payments | 12.1 | 40.1 pts | 41.2 | 5.0 | 8.4 | 1.1 | 15.8 | 36.7 |
| Uninsured motorist BI | 6.9 | 29.0 pts | 5.9 | 6.9 | — | 0.5 | 29.4 | 26.6 |
| Uninsured motorist PD | 12.2 | 29.6 pts | 14.2 | 30.0 | — | 0.5 | 10.3 | — |
| Comprehensive | 26.6 | 68.4 pts | 55.6 | 70.4 | 25.2 | 3.6 | 1.9 | 28.1 |
| Collision | 34.9 | 45.6 pts | 37.3 | 45.5 | 50.0 | 4.4 | 10.3 | 32.5 |
Widest coverage spread
Comprehensive
Safeco and Progressive are 68.4 percentile points apart.
Closest agreement
Property damage
Available plans are 25.6 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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