Plans disagree · San Jose, Santa Clara County · California ZIP 95128
State Farm and Farmers place San Jose ZIP 95128 very differently.
State Farm ranks highest (63.6); Farmers ranks lowest (2.7). The middle bodily-injury percentile is 25.8. Reviewed plans are 60.9 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
25.8
Middle percentile across available plans.
BI plan spread
60.9
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
Progressive
CA Select PPA
25.8
Within-plan percentile
Tesla Insurance
Tesla PPA
19.3
Within-plan percentile
Farmers
Farmers Auto
2.7
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 | 25.8 | 60.9 pts | 19.3 | — | 54.1 | 2.7 | 25.8 | 63.6 |
| Property damage | 79.8 | 33.7 pts | 92.5 | — | 79.8 | 72.0 | 97.3 | 63.6 |
| Medical payments | 37.7 | 44.8 pts | 68.0 | — | 37.7 | 29.7 | 74.4 | 30.7 |
| Uninsured motorist BI | 23.5 | 23.9 pts | 34.5 | — | — | 21.3 | 25.8 | 10.6 |
| Uninsured motorist PD | 57.1 | 44.2 pts | 65.4 | — | — | 21.3 | 57.1 | — |
| Comprehensive | 29.4 | 32.1 pts | 24.5 | — | 13.2 | 31.8 | 29.4 | 45.4 |
| Collision | 38.7 | 28.4 pts | 38.7 | — | 57.1 | 33.7 | 57.1 | 28.7 |
Widest coverage spread
Bodily injury
State Farm and Farmers are 60.9 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 23.9 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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