Plans disagree · Santa Cruz · California ZIP 95064
State Farm and Progressive place Santa Cruz ZIP 95064 very differently.
State Farm ranks highest (75.8); Progressive ranks lowest (10.4). The middle bodily-injury percentile is 42.2. Reviewed plans are 65.4 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
42.2
Middle percentile across available plans.
BI plan spread
65.4
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
75.8
Within-plan percentile
Farmers
Farmers Auto
51.9
Within-plan percentile
Tesla Insurance
Tesla PPA
42.2
Within-plan percentile
Travelers
Quantum Auto 2.0
33.3
Within-plan percentile
Progressive
CA Select PPA
10.4
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 | 42.2 | 65.4 pts | 42.2 | — | 33.3 | 51.9 | 10.4 | 75.8 |
| Property damage | 75.8 | 41.0 pts | 85.2 | — | 56.2 | 44.2 | 76.7 | 75.8 |
| Medical payments | 57.2 | 40.3 pts | 43.3 | — | 54.4 | 57.2 | 80.0 | 83.6 |
| Uninsured motorist BI | 11.1 | 12.7 pts | 5.4 | — | — | 18.1 | 10.7 | 11.5 |
| Uninsured motorist PD | 44.5 | 74.8 pts | 44.5 | — | — | 18.1 | 92.9 | — |
| Comprehensive | 22.1 | 49.0 pts | 18.1 | — | 21.6 | 22.1 | 67.1 | 27.3 |
| Collision | 75.3 | 28.8 pts | 65.0 | — | 64.1 | 75.3 | 92.9 | 83.5 |
Widest coverage spread
Uninsured motorist PD
Progressive and Farmers are 74.8 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 12.7 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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