Plans disagree · Monte Sereno, Santa Clara County · California ZIP 95030
Farmers and Progressive place Monte Sereno ZIP 95030 very differently.
Farmers ranks highest (47.6); Progressive ranks lowest (4.3). The middle bodily-injury percentile is 23.8. Reviewed plans are 43.3 points apart. Collision splits more (65.8 points), with Farmers highest and Travelers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
23.8
Middle percentile across available plans.
BI plan spread
43.3
Farmers to Progressive.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, Progressive lowest.
Farmers
Farmers Auto
47.6
Within-plan percentile
Travelers
Quantum Auto 2.0
30.0
Within-plan percentile
State Farm
Private Passenger Auto
23.8
Within-plan percentile
Tesla Insurance
Tesla PPA
4.8
Within-plan percentile
Progressive
CA Select PPA
4.3
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Farmers ranks highest (84.9); Travelers ranks lowest (19.1). Collision spread is 65.8 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 | 23.8 | 43.3 pts | 4.8 | — | 30.0 | 47.6 | 4.3 | 23.8 |
| Property damage | 85.0 | 72.6 pts | 85.0 | — | 84.1 | 89.9 | 96.4 | 23.8 |
| Medical payments | 14.1 | 30.1 pts | 11.9 | — | 14.1 | 3.1 | 31.4 | 33.1 |
| Uninsured motorist BI | 18.4 | 39.2 pts | 32.5 | — | — | 0.7 | 4.3 | 39.8 |
| Uninsured motorist PD | 25.0 | 44.9 pts | 25.0 | — | — | 0.7 | 45.6 | — |
| Comprehensive | 29.3 | 31.9 pts | 39.5 | — | 7.6 | 12.3 | 29.4 | 29.3 |
| Collision | 45.6 | 65.8 pts | 54.0 | — | 19.1 | 84.9 | 45.6 | 41.3 |
Widest coverage spread
Property damage
Progressive and State Farm are 72.6 percentile points apart.
Closest agreement
Medical payments
Available plans are 30.1 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
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