Plans disagree · Oakland, Alameda County · California ZIP 94619
State Farm and Farmers place Oakland ZIP 94619 very differently.
State Farm ranks highest (75.8); Farmers ranks lowest (27.7). The middle bodily-injury percentile is 33.3. Reviewed plans are 48.1 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
33.3
Middle percentile across available plans.
BI plan spread
48.1
State Farm to Farmers.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Farmers lowest.
State Farm
Private Passenger Auto
75.8
Within-plan percentile
Progressive
CA Select PPA
39.0
Within-plan percentile
Tesla Insurance
Tesla PPA
33.3
Within-plan percentile
Travelers
Quantum Auto 2.0
30.0
Within-plan percentile
Farmers
Farmers Auto
27.7
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 33.3 | 48.1 pts | 33.3 | — | 30.0 | 27.7 | 39.0 | 75.8 |
| Property damage | 65.9 | 49.1 pts | 65.9 | — | 84.1 | 48.6 | 35.1 | 75.8 |
| Medical payments | 80.3 | 18.0 pts | 96.9 | — | 80.0 | 84.7 | 78.8 | 80.3 |
| Uninsured motorist BI | 53.3 | 16.3 pts | 53.6 | — | — | 55.3 | 39.0 | 53.0 |
| Uninsured motorist PD | 55.3 | 33.7 pts | 86.8 | — | — | 55.3 | 53.1 | — |
| Comprehensive | 81.5 | 36.0 pts | 55.6 | — | 91.6 | 81.0 | 84.4 | 81.5 |
| Collision | 91.0 | 42.9 pts | 91.0 | — | 96.0 | 89.5 | 53.1 | 91.4 |
Widest coverage spread
Property damage
Travelers and Progressive are 49.1 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 16.3 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).
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