Plans disagree · Freedom, Santa Cruz County · California ZIP 95019
State Farm and Progressive place Freedom ZIP 95019 very differently.
State Farm ranks highest (61.8); Progressive ranks lowest (19.3). The middle bodily-injury percentile is 39.2. Reviewed plans are 42.4 points apart. Collision splits more (63.5 points), with State Farm highest and Progressive lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
39.2
Middle percentile across available plans.
BI plan spread
42.4
State Farm to Progressive.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Progressive lowest.
State Farm
Private Passenger Auto
61.8
Within-plan percentile
Farmers
Farmers Auto
43.1
Within-plan percentile
Tesla Insurance
Tesla PPA
39.2
Within-plan percentile
Travelers
Quantum Auto 2.0
23.2
Within-plan percentile
Progressive
CA Select PPA
19.3
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
State Farm ranks highest (78.6); Progressive ranks lowest (15.1). Collision spread is 63.5 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 | 39.2 | 42.4 pts | 39.2 | — | 23.2 | 43.1 | 19.3 | 61.8 |
| Property damage | 47.3 | 32.4 pts | 68.4 | — | 35.9 | 41.4 | 47.3 | 61.8 |
| Medical payments | 73.1 | 51.5 pts | 37.3 | — | 68.2 | 76.3 | 73.1 | 88.8 |
| Uninsured motorist BI | 21.3 | 61.3 pts | 23.3 | — | — | 72.2 | 19.3 | 10.9 |
| Uninsured motorist PD | 53.0 | 57.1 pts | 53.0 | — | — | 72.2 | 15.1 | — |
| Comprehensive | 95.4 | 89.1 pts | 10.3 | — | 60.3 | 99.4 | 95.4 | 96.9 |
| Collision | 26.7 | 63.5 pts | 26.7 | — | 42.0 | 17.5 | 15.1 | 78.6 |
Widest coverage spread
Comprehensive
Farmers and Tesla Insurance are 89.1 percentile points apart.
Closest agreement
Property damage
Available plans are 32.4 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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