Compared ZIP · Milpitas, Santa Clara County · California ZIP 95035
In Milpitas ZIP 95035, State Farm ranks highest and Farmers ranks lowest.
State Farm ranks highest (45.2); Farmers ranks lowest (5.7). The middle bodily-injury percentile is 17.6. Reviewed plans are 39.5 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
17.6
Middle percentile across available plans.
BI plan spread
39.5
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
45.2
Within-plan percentile
Travelers
Quantum Auto 2.0
30.0
Within-plan percentile
Tesla Insurance
Tesla PPA
17.6
Within-plan percentile
Progressive
CA Select PPA
7.0
Within-plan percentile
Farmers
Farmers Auto
5.7
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 | 17.6 | 39.5 pts | 17.6 | — | 30.0 | 5.7 | 7.0 | 45.2 |
| Property damage | 45.2 | 36.9 pts | 79.3 | — | 69.7 | 44.0 | 42.4 | 45.2 |
| Medical payments | 45.4 | 74.0 pts | 1.3 | — | 37.7 | 45.4 | 63.9 | 75.3 |
| Uninsured motorist BI | 10.8 | 41.8 pts | 14.6 | — | — | 3.1 | 7.0 | 44.9 |
| Uninsured motorist PD | 21.7 | 31.4 pts | 34.5 | — | — | 3.1 | 21.7 | — |
| Comprehensive | 11.0 | 15.3 pts | 23.9 | — | 9.1 | 12.3 | 11.0 | 8.6 |
| Collision | 36.9 | 45.9 pts | 36.9 | — | 50.0 | 33.7 | 21.7 | 67.7 |
Widest coverage spread
Medical payments
State Farm and Tesla Insurance are 74.0 percentile points apart.
Closest agreement
Comprehensive
Available plans are 15.3 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.
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