Compared ZIP · Oakland, Alameda County · California ZIP 94612
In Oakland ZIP 94612, Farmers ranks highest and Tesla Insurance ranks lowest.
Farmers ranks highest (93.3); Tesla Insurance ranks lowest (64.2). The middle bodily-injury percentile is 77.9. Reviewed plans are 29.0 points apart. Collision splits more (41.3 points), with Travelers highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
77.9
Middle percentile across available plans.
BI plan spread
29.0
Farmers to Tesla Insurance.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, Tesla Insurance lowest.
Farmers
Farmers Auto
93.3
Within-plan percentile
Progressive
CA Select PPA
89.7
Within-plan percentile
Travelers
Quantum Auto 2.0
77.9
Within-plan percentile
State Farm
Private Passenger Auto
74.9
Within-plan percentile
Tesla Insurance
Tesla PPA
64.2
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Travelers ranks highest (93.2); Tesla Insurance ranks lowest (51.9). Collision spread is 41.3 points, wider than bodily injury.
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 77.9 | 29.0 pts | 64.2 | — | 77.9 | 93.3 | 89.7 | 74.9 |
| Property damage | 85.5 | 18.9 pts | 85.2 | — | 92.4 | 93.8 | 85.5 | 74.9 |
| Medical payments | 77.1 | 44.3 pts | 46.3 | — | 77.1 | 76.6 | 90.7 | 89.6 |
| Uninsured motorist BI | 69.7 | 75.2 pts | 81.2 | — | — | 58.2 | 89.7 | 14.6 |
| Uninsured motorist PD | 83.1 | 40.5 pts | 98.7 | — | — | 58.2 | 83.1 | — |
| Comprehensive | 88.4 | 31.6 pts | 62.2 | — | 93.8 | 88.4 | 86.8 | 93.7 |
| Collision | 88.1 | 41.3 pts | 51.9 | — | 93.2 | 92.2 | 83.1 | 88.1 |
Widest coverage spread
Uninsured motorist BI
Progressive and State Farm are 75.2 percentile points apart.
Closest agreement
Property damage
Available plans are 18.9 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
Oakland, Alameda County
94601
State Farm ranks highest (90.6); Progressive ranks lowest (12.7).
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Progressive ranks highest (85.7); Farmers ranks lowest (9.7).
Read breakdownBerkeley, Alameda County
94705
State Farm ranks highest (77.5); Tesla Insurance ranks lowest (7.1).
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