Plans disagree · San Jose, Santa Clara County · California ZIP 95118
State Farm and Farmers place San Jose ZIP 95118 very differently.
State Farm ranks highest (63.6); Farmers ranks lowest (15.9). The middle bodily-injury percentile is 25.2. Reviewed plans are 47.7 points apart. Collision splits more (70.0 points), with Tesla Insurance highest and Farmers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
25.2
Middle percentile across available plans.
BI plan spread
47.7
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
63.6
Within-plan percentile
Travelers
Quantum Auto 2.0
54.1
Within-plan percentile
Tesla Insurance
Tesla PPA
25.2
Within-plan percentile
Progressive
CA Select PPA
22.8
Within-plan percentile
Farmers
Farmers Auto
15.9
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Tesla Insurance ranks highest (92.3); Farmers ranks lowest (22.3). Collision spread is 70.0 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 | 25.2 | 47.7 pts | 25.2 | — | 54.1 | 15.9 | 22.8 | 63.6 |
| Property damage | 65.3 | 38.4 pts | 65.3 | — | 79.8 | 53.5 | 91.9 | 63.6 |
| Medical payments | 38.2 | 41.6 pts | 38.2 | — | 30.2 | 49.9 | 71.8 | 30.7 |
| Uninsured motorist BI | 23.6 | 8.2 pts | 24.7 | — | — | 17.0 | 22.5 | 25.2 |
| Uninsured motorist PD | 45.8 | 40.1 pts | 45.8 | — | — | 17.0 | 57.1 | — |
| Comprehensive | 20.3 | 48.4 pts | 60.7 | — | 13.2 | 12.3 | 20.3 | 27.3 |
| Collision | 57.1 | 70.0 pts | 92.3 | — | 57.1 | 22.3 | 57.1 | 52.7 |
Widest coverage spread
Collision
Tesla Insurance and Farmers are 70.0 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 8.2 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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