Plans disagree · San Jose, Santa Clara County · California ZIP 95126
Farmers and Progressive place San Jose ZIP 95126 very differently.
Farmers ranks highest (63.2); Progressive ranks lowest (16.3). The middle bodily-injury percentile is 44.5. Reviewed plans are 46.9 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
44.5
Middle percentile across available plans.
BI plan spread
46.9
Farmers to Progressive.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, Progressive lowest.
Farmers
Farmers Auto
63.2
Within-plan percentile
Travelers
Quantum Auto 2.0
45.8
Within-plan percentile
State Farm
Private Passenger Auto
44.5
Within-plan percentile
Tesla Insurance
Tesla PPA
17.8
Within-plan percentile
Progressive
CA Select PPA
16.3
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 | 44.5 | 46.9 pts | 17.8 | — | 45.8 | 63.2 | 16.3 | 44.5 |
| Property damage | 72.7 | 43.3 pts | 61.4 | — | 87.3 | 72.7 | 87.8 | 44.5 |
| Medical payments | 40.3 | 34.2 pts | 69.0 | — | 37.7 | 40.3 | 34.8 | 48.0 |
| Uninsured motorist BI | 19.0 | 47.6 pts | 21.0 | — | — | 55.8 | 16.9 | 8.2 |
| Uninsured motorist PD | 67.7 | 27.8 pts | 67.7 | — | — | 55.8 | 83.5 | — |
| Comprehensive | 28.3 | 25.7 pts | 23.9 | — | 21.6 | 28.3 | 38.1 | 47.3 |
| Collision | 60.3 | 46.9 pts | 36.6 | — | 64.1 | 60.3 | 83.5 | 49.5 |
Widest coverage spread
Uninsured motorist BI
Farmers and State Farm are 47.6 percentile points apart.
Closest agreement
Comprehensive
Available plans are 25.7 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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