Plans disagree · Castroville, Monterey County · California ZIP 95012
Tesla Insurance and Farmers place Castroville ZIP 95012 very differently.
Tesla Insurance ranks highest (65.8); Farmers ranks lowest (13.1). The middle bodily-injury percentile is 23.6. Reviewed plans are 52.7 points apart. Collision splits more (69.2 points), with State Farm highest and Farmers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
23.6
Middle percentile across available plans.
BI plan spread
52.7
Tesla Insurance to Farmers.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, Farmers lowest.
Tesla Insurance
Tesla PPA
65.8
Within-plan percentile
State Farm
Private Passenger Auto
62.8
Within-plan percentile
Progressive
CA Select PPA
23.6
Within-plan percentile
Travelers
Quantum Auto 2.0
23.2
Within-plan percentile
Farmers
Farmers Auto
13.1
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
State Farm ranks highest (83.5); Farmers ranks lowest (14.4). Collision spread is 69.2 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 | 23.6 | 52.7 pts | 65.8 | — | 23.2 | 13.1 | 23.6 | 62.8 |
| Property damage | 35.9 | 38.1 pts | 26.0 | — | 35.9 | 24.7 | 43.6 | 62.8 |
| Medical payments | 80.0 | 48.5 pts | 36.1 | — | 80.0 | 74.8 | 82.0 | 84.6 |
| Uninsured motorist BI | 13.7 | 22.3 pts | 17.7 | — | — | 9.6 | 23.3 | 1.0 |
| Uninsured motorist PD | 40.1 | 40.6 pts | 40.1 | — | — | 9.6 | 50.2 | — |
| Comprehensive | 74.9 | 46.8 pts | 74.9 | — | 47.4 | 66.5 | 92.3 | 94.2 |
| Collision | 50.2 | 69.2 pts | 66.1 | — | 42.0 | 14.4 | 50.2 | 83.5 |
Widest coverage spread
Collision
State Farm and Farmers are 69.2 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 22.3 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
Prunedale, Monterey County
93907
Tesla Insurance ranks highest (91.1); Travelers ranks lowest (12.2).
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Farmers ranks highest (76.3); Tesla Insurance ranks lowest (5.9).
Read breakdownSanta Cruz
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Farmers ranks highest (74.2); Tesla Insurance ranks lowest (5.3).
Read breakdown