Plans disagree · Saint Helena, Napa County · California ZIP 94574
Farmers and Progressive place Saint Helena ZIP 94574 very differently.
Farmers ranks highest (68.0); Progressive ranks lowest (13.8). The middle bodily-injury percentile is 27.4. Reviewed plans are 54.2 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
27.4
Middle percentile across available plans.
BI plan spread
54.2
Farmers to Progressive.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, Progressive lowest.
Farmers
Farmers Auto
68.0
Within-plan percentile
Tesla Insurance
Tesla PPA
55.6
Within-plan percentile
Safeco
Private Passenger Auto
27.5
Within-plan percentile
State Farm
Private Passenger Auto
27.3
Within-plan percentile
Travelers
Quantum Auto 2.0
19.3
Within-plan percentile
Progressive
CA Select PPA
13.8
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 27.4 | 54.2 pts | 55.6 | 27.5 | 19.3 | 68.0 | 13.8 | 27.3 |
| Property damage | 48.1 | 26.9 pts | 47.4 | 51.4 | 48.7 | 54.2 | 45.0 | 27.3 |
| Medical payments | 18.0 | 31.7 pts | 34.3 | 6.8 | 30.2 | 2.6 | 29.1 | 2.5 |
| Uninsured motorist BI | 19.2 | 63.7 pts | 66.1 | 26.2 | — | 2.4 | 13.5 | 19.2 |
| Uninsured motorist PD | 42.6 | 61.7 pts | 51.2 | 34.0 | — | 2.4 | 64.1 | — |
| Comprehensive | 27.9 | 47.0 pts | 68.3 | 42.7 | 21.6 | 26.6 | 21.3 | 29.3 |
| Collision | 63.2 | 31.8 pts | 64.3 | 40.7 | 57.1 | 72.5 | 64.1 | 62.3 |
Widest coverage spread
Uninsured motorist BI
Tesla Insurance and Farmers are 63.7 percentile points apart.
Closest agreement
Property damage
Available plans are 26.9 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
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