Compared ZIP · Orinda, Contra Costa County · California ZIP 94563
In Orinda ZIP 94563, State Farm ranks highest and Safeco ranks lowest.
State Farm ranks highest (46.2); Safeco ranks lowest (12.7). The middle bodily-injury percentile is 27.9. Reviewed plans are 33.5 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
27.9
Middle percentile across available plans.
BI plan spread
33.5
State Farm to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Safeco lowest.
State Farm
Private Passenger Auto
46.2
Within-plan percentile
Travelers
Quantum Auto 2.0
45.8
Within-plan percentile
Farmers
Farmers Auto
40.0
Within-plan percentile
Tesla Insurance
Tesla PPA
15.7
Within-plan percentile
Progressive
CA Select PPA
13.8
Within-plan percentile
Safeco
Private Passenger Auto
12.7
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 27.9 | 33.5 pts | 15.7 | 12.7 | 45.8 | 40.0 | 13.8 | 46.2 |
| Property damage | 44.8 | 40.8 pts | 40.6 | 43.5 | 72.5 | 37.2 | 78.0 | 46.2 |
| Medical payments | 6.8 | 59.9 pts | 60.2 | 7.8 | 0.2 | 5.2 | 15.8 | 5.8 |
| Uninsured motorist BI | 37.5 | 68.0 pts | 69.3 | 37.5 | — | 6.5 | 13.5 | 74.5 |
| Uninsured motorist PD | 6.4 | 32.4 pts | 6.2 | 3.6 | — | 6.5 | 36.0 | — |
| Comprehensive | 33.7 | 66.6 pts | 42.2 | 82.7 | 25.2 | 16.1 | 21.3 | 59.1 |
| Collision | 52.7 | 33.9 pts | 32.9 | 66.9 | 64.1 | 41.3 | 36.0 | 64.1 |
Widest coverage spread
Uninsured motorist BI
State Farm and Farmers are 68.0 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 32.4 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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