Compared ZIP · San Jose, Santa Clara County · California ZIP 95111
In San Jose ZIP 95111, State Farm ranks highest and Farmers ranks lowest.
State Farm ranks highest (68.9); Farmers ranks lowest (43.7). The middle bodily-injury percentile is 45.8. Reviewed plans are 25.1 points apart. Collision splits more (69.1 points), with State Farm highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
45.8
Middle percentile across available plans.
BI plan spread
25.1
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
68.9
Within-plan percentile
Tesla Insurance
Tesla PPA
58.8
Within-plan percentile
Travelers
Quantum Auto 2.0
45.8
Within-plan percentile
Progressive
CA Select PPA
43.8
Within-plan percentile
Farmers
Farmers Auto
43.7
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
State Farm ranks highest (91.2); Tesla Insurance ranks lowest (22.0). Collision spread is 69.1 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 | 45.8 | 25.1 pts | 58.8 | — | 45.8 | 43.7 | 43.8 | 68.9 |
| Property damage | 85.9 | 25.8 pts | 85.9 | — | 75.1 | 94.7 | 94.3 | 68.9 |
| Medical payments | 78.8 | 45.7 pts | 98.9 | — | 62.3 | 96.4 | 53.1 | 78.8 |
| Uninsured motorist BI | 63.6 | 47.0 pts | 90.8 | — | — | 71.7 | 43.8 | 55.6 |
| Uninsured motorist PD | 84.9 | 15.1 pts | 84.9 | — | — | 71.7 | 86.8 | — |
| Comprehensive | 52.7 | 43.8 pts | 29.6 | — | 35.6 | 73.4 | 69.9 | 52.7 |
| Collision | 86.8 | 69.1 pts | 22.0 | — | 79.5 | 87.9 | 86.8 | 91.2 |
Widest coverage spread
Collision
State Farm and Tesla Insurance are 69.1 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 15.1 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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Read breakdownSan Jose, Santa Clara County
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Read breakdown