Plans disagree · San Jose, Santa Clara County · California ZIP 95112
Travelers and Farmers place San Jose ZIP 95112 very differently.
Travelers ranks highest (62.6); Farmers ranks lowest (5.3). The middle bodily-injury percentile is 32.3. Reviewed plans are 57.3 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
32.3
Middle percentile across available plans.
BI plan spread
57.3
Travelers to Farmers.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Farmers lowest.
Travelers
Quantum Auto 2.0
62.6
Within-plan percentile
State Farm
Private Passenger Auto
58.1
Within-plan percentile
Progressive
CA Select PPA
32.3
Within-plan percentile
Tesla Insurance
Tesla PPA
14.8
Within-plan percentile
Farmers
Farmers Auto
5.3
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 | 32.3 | 57.3 pts | 14.8 | — | 62.6 | 5.3 | 32.3 | 58.1 |
| Property damage | 78.8 | 32.3 pts | 78.8 | — | 84.1 | 61.1 | 90.4 | 58.1 |
| Medical payments | 66.5 | 50.8 pts | 67.8 | — | 42.9 | 86.8 | 36.0 | 66.5 |
| Uninsured motorist BI | 39.8 | 62.6 pts | 67.6 | — | — | 47.7 | 31.9 | 5.0 |
| Uninsured motorist PD | 73.8 | 48.1 pts | 95.8 | — | — | 47.7 | 73.8 | — |
| Comprehensive | 57.0 | 72.6 pts | 97.8 | — | 25.2 | 55.0 | 57.2 | 57.0 |
| Collision | 68.4 | 57.7 pts | 68.4 | — | 26.6 | 48.2 | 73.8 | 84.3 |
Widest coverage spread
Comprehensive
Tesla Insurance and Travelers are 72.6 percentile points apart.
Closest agreement
Property damage
Available plans are 32.3 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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