Plans disagree · Mount Hermon, Santa Cruz County · California ZIP 95041
Tesla Insurance and Farmers place Mount Hermon ZIP 95041 very differently.
Tesla Insurance ranks highest (53.6); Farmers ranks lowest (5.5). The middle bodily-injury percentile is 9.6. Reviewed plans are 48.1 points apart. Collision splits more (63.2 points), with Tesla Insurance highest and Farmers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
9.6
Middle percentile across available plans.
BI plan spread
48.1
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
53.6
Within-plan percentile
Travelers
Quantum Auto 2.0
33.3
Within-plan percentile
State Farm
Private Passenger Auto
9.6
Within-plan percentile
Progressive
CA Select PPA
9.1
Within-plan percentile
Farmers
Farmers Auto
5.5
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Tesla Insurance ranks highest (70.7); Farmers ranks lowest (7.5). Collision spread is 63.2 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 | 9.6 | 48.1 pts | 53.6 | — | 33.3 | 5.5 | 9.1 | 9.6 |
| Property damage | 49.9 | 65.0 pts | 49.9 | — | 56.2 | 30.8 | 74.6 | 9.6 |
| Medical payments | 10.1 | 36.0 pts | 1.7 | — | 37.7 | 5.5 | 10.1 | 18.2 |
| Uninsured motorist BI | 7.2 | 11.4 pts | 5.4 | — | — | 11.8 | 9.1 | 0.4 |
| Uninsured motorist PD | 28.3 | 24.0 pts | 35.7 | — | — | 11.8 | 28.3 | — |
| Comprehensive | 26.6 | 11.7 pts | 33.3 | — | 21.6 | 26.6 | 25.3 | 29.3 |
| Collision | 28.3 | 63.2 pts | 70.7 | — | 35.0 | 7.5 | 28.3 | 18.2 |
Widest coverage spread
Property damage
Progressive and State Farm are 65.0 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 11.4 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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