Compared ZIP · San Jose, Santa Clara County · California ZIP 95130
In San Jose ZIP 95130, State Farm ranks highest and Tesla Insurance ranks lowest.
State Farm ranks highest (61.0); Tesla Insurance ranks lowest (26.2). The middle bodily-injury percentile is 39.8. Reviewed plans are 34.8 points apart. Collision splits more (55.2 points), with Tesla Insurance highest and Safeco lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
39.8
Middle percentile across available plans.
BI plan spread
34.8
State Farm to Tesla Insurance.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Tesla Insurance lowest.
State Farm
Private Passenger Auto
61.0
Within-plan percentile
Farmers
Farmers Auto
43.1
Within-plan percentile
Safeco
Private Passenger Auto
39.9
Within-plan percentile
Progressive
CA Select PPA
39.6
Within-plan percentile
Travelers
Quantum Auto 2.0
33.3
Within-plan percentile
Tesla Insurance
Tesla PPA
26.2
Within-plan percentile
Tesla Insurance ranks highest (64.5); Safeco ranks lowest (9.3). Collision spread is 55.2 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 | 39.8 | 34.8 pts | 26.2 | 39.9 | 33.3 | 43.1 | 39.6 | 61.0 |
| Property damage | 67.0 | 52.8 pts | 67.6 | 85.7 | 66.4 | 34.3 | 87.1 | 61.0 |
| Medical payments | 47.7 | 51.6 pts | 81.7 | 47.4 | 30.2 | 35.2 | 48.7 | 48.0 |
| Uninsured motorist BI | 20.5 | 36.2 pts | 14.0 | 20.5 | — | 3.7 | 39.9 | 36.1 |
| Uninsured motorist PD | 47.2 | 58.1 pts | 43.7 | 50.7 | — | 3.7 | 61.8 | — |
| Comprehensive | 6.5 | 43.8 pts | 44.4 | 23.0 | 9.1 | 0.6 | 3.7 | 3.9 |
| Collision | 30.1 | 55.2 pts | 64.5 | 9.3 | 42.0 | 14.2 | 61.8 | 18.2 |
Widest coverage spread
Uninsured motorist PD
Progressive and Farmers are 58.1 percentile points apart.
Closest agreement
Bodily injury
Available plans are 34.8 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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