Compared ZIP · Oakland, Alameda County · California ZIP 94613
In Oakland ZIP 94613, Farmers ranks highest and State Farm ranks lowest.
Farmers ranks highest (81.9); State Farm ranks lowest (46.2). The middle bodily-injury percentile is 67.6. Reviewed plans are 35.7 points apart. Collision splits more (46.1 points), with Travelers highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
67.6
Middle percentile across available plans.
BI plan spread
35.7
Farmers to State Farm.
Plans available
4
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, State Farm lowest.
Farmers
Farmers Auto
81.9
Within-plan percentile
Travelers
Quantum Auto 2.0
70.9
Within-plan percentile
Tesla Insurance
Tesla PPA
64.2
Within-plan percentile
State Farm
Private Passenger Auto
46.2
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Progressive
CA Select PPA
—
Within-plan percentile
Travelers ranks highest (98.0); Tesla Insurance ranks lowest (51.9). Collision spread is 46.1 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 | 67.6 | 35.7 pts | 64.2 | — | 70.9 | 81.9 | — | 46.2 |
| Property damage | 85.2 | 44.2 pts | 85.2 | — | 90.4 | 85.1 | — | 46.2 |
| Medical payments | 56.0 | 51.8 pts | 46.3 | — | 77.1 | 25.4 | — | 65.6 |
| Uninsured motorist BI | 38.6 | 67.6 pts | 81.2 | — | — | 38.6 | — | 13.6 |
| Uninsured motorist PD | 68.6 | 60.1 pts | 98.7 | — | — | 38.6 | — | — |
| Comprehensive | 90.6 | 33.6 pts | 62.2 | — | 89.1 | 92.2 | — | 95.8 |
| Collision | 93.0 | 46.1 pts | 51.9 | — | 98.0 | 93.0 | — | 93.0 |
Widest coverage spread
Uninsured motorist BI
Tesla Insurance and State Farm are 67.6 percentile points apart.
Closest agreement
Comprehensive
Available plans are 33.6 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.
Nearby compared ZIPs
Oakland, Alameda County
94601
State Farm ranks highest (90.6); Progressive ranks lowest (12.7).
Read breakdownSan Leandro, Alameda County
94578
State Farm ranks highest (78.9); Farmers ranks lowest (1.9).
Read breakdownBerkeley, Alameda County
94709
Progressive ranks highest (85.7); Farmers ranks lowest (9.7).
Read breakdown