Plans disagree · Albany, Alameda County · California ZIP 94706
Travelers and Progressive place Albany ZIP 94706 very differently.
Travelers ranks highest (65.8); Progressive ranks lowest (5.3). The middle bodily-injury percentile is 63.2. Reviewed plans are 60.5 points apart. Collision splits more (83.5 points), with Tesla Insurance highest and Progressive lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
63.2
Middle percentile across available plans.
BI plan spread
60.5
Travelers to Progressive.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Progressive lowest.
Travelers
Quantum Auto 2.0
65.8
Within-plan percentile
State Farm
Private Passenger Auto
64.4
Within-plan percentile
Farmers
Farmers Auto
63.2
Within-plan percentile
Tesla Insurance
Tesla PPA
11.2
Within-plan percentile
Progressive
CA Select PPA
5.3
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Tesla Insurance ranks highest (94.7); Progressive ranks lowest (11.2). Collision spread is 83.5 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 | 63.2 | 60.5 pts | 11.2 | — | 65.8 | 63.2 | 5.3 | 64.4 |
| Property damage | 64.4 | 42.4 pts | 77.1 | — | 84.1 | 41.7 | 44.6 | 64.4 |
| Medical payments | 72.6 | 37.2 pts | 83.2 | — | 46.8 | 72.6 | 83.0 | 46.0 |
| Uninsured motorist BI | 11.9 | 11.9 pts | 17.7 | — | — | 9.2 | 5.8 | 14.6 |
| Uninsured motorist PD | 11.2 | 58.6 pts | 67.7 | — | — | 9.2 | 11.2 | — |
| Comprehensive | 15.9 | 42.5 pts | 49.6 | — | 47.4 | 14.2 | 15.9 | 7.1 |
| Collision | 50.0 | 83.5 pts | 94.7 | — | 50.0 | 53.4 | 11.2 | 26.5 |
Widest coverage spread
Collision
Tesla Insurance and Progressive are 83.5 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 11.9 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.
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