Plans disagree · Bear Valley, Calaveras County · California ZIP 95223
Tesla Insurance and Travelers place Bear Valley ZIP 95223 very differently.
Tesla Insurance ranks highest (69.1); Travelers ranks lowest (7.0). The middle bodily-injury percentile is 41.1. Reviewed plans are 62.1 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
41.1
Middle percentile across available plans.
BI plan spread
62.1
Tesla Insurance to Travelers.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, Travelers lowest.
Tesla Insurance
Tesla PPA
69.1
Within-plan percentile
Farmers
Farmers Auto
51.6
Within-plan percentile
Progressive
CA Select PPA
41.1
Within-plan percentile
State Farm
Private Passenger Auto
32.2
Within-plan percentile
Travelers
Quantum Auto 2.0
7.0
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 | 41.1 | 62.1 pts | 69.1 | — | 7.0 | 51.6 | 41.1 | 32.2 |
| Property damage | 35.3 | 32.2 pts | 47.4 | — | 15.3 | 36.5 | 35.3 | 32.2 |
| Medical payments | 46.3 | 52.0 pts | 46.3 | — | 46.8 | 17.9 | 53.0 | 0.9 |
| Uninsured motorist BI | 54.8 | 67.3 pts | 70.2 | — | — | 13.3 | 39.3 | 80.7 |
| Uninsured motorist PD | 13.3 | 45.9 pts | 50.0 | — | — | 13.3 | 4.0 | — |
| Comprehensive | 60.3 | 67.2 pts | 80.2 | — | 60.3 | 13.0 | 23.2 | 60.8 |
| Collision | 16.7 | 50.4 pts | 22.0 | — | 54.4 | 16.7 | 4.0 | 6.6 |
Widest coverage spread
Uninsured motorist BI
State Farm and Farmers are 67.3 percentile points apart.
Closest agreement
Property damage
Available plans are 32.2 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 breakdownTwin Bridges, El Dorado County
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Progressive ranks highest (78.4); Travelers ranks lowest (3.6).
Read breakdown