Plans disagree · Oakley, Contra Costa County · California ZIP 94561
State Farm and Tesla Insurance place Oakley ZIP 94561 very differently.
State Farm ranks highest (73.7); Tesla Insurance ranks lowest (28.6). The middle bodily-injury percentile is 62.5. Reviewed plans are 45.1 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
62.5
Middle percentile across available plans.
BI plan spread
45.1
State Farm to Tesla Insurance.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Tesla Insurance lowest.
State Farm
Private Passenger Auto
73.7
Within-plan percentile
Progressive
CA Select PPA
66.7
Within-plan percentile
Travelers
Quantum Auto 2.0
65.8
Within-plan percentile
Farmers
Farmers Auto
59.3
Within-plan percentile
Safeco
Private Passenger Auto
37.1
Within-plan percentile
Tesla Insurance
Tesla PPA
28.6
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 62.5 | 45.1 pts | 28.6 | 37.1 | 65.8 | 59.3 | 66.7 | 73.7 |
| Property damage | 63.9 | 24.7 pts | 51.5 | 68.5 | 56.2 | 59.3 | 76.2 | 73.7 |
| Medical payments | 62.3 | 61.4 pts | 44.3 | 51.3 | 73.4 | 18.6 | 80.0 | 79.4 |
| Uninsured motorist BI | 58.2 | 59.5 pts | 46.9 | 72.1 | — | 58.2 | 67.5 | 12.6 |
| Uninsured motorist PD | 68.4 | 30.3 pts | 88.4 | 71.8 | — | 58.2 | 65.1 | — |
| Comprehensive | 56.0 | 37.4 pts | 60.1 | 81.1 | 47.4 | 55.0 | 43.7 | 57.0 |
| Collision | 67.4 | 52.9 pts | 29.9 | 70.2 | 82.8 | 39.3 | 65.1 | 69.7 |
Widest coverage spread
Medical payments
Progressive and Farmers are 61.4 percentile points apart.
Closest agreement
Property damage
Available plans are 24.7 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.
Nearby compared ZIPs
Shore Acres, Contra Costa County
94565
State Farm ranks highest (78.9); Farmers ranks lowest (5.8).
Read breakdownWalnut Grove, Sacramento County
95690
Safeco ranks highest (79.6); Progressive ranks lowest (11.0).
Read breakdownConcord, Contra Costa County
94518
Farmers ranks highest (73.5); Safeco ranks lowest (5.9).
Read breakdown