Plans disagree · Stockton, San Joaquin County · California ZIP 95267
State Farm and Farmers place Stockton ZIP 95267 very differently.
State Farm ranks highest (94.8); Farmers ranks lowest (48.8). The middle bodily-injury percentile is 71.8. Reviewed plans are 46.0 points apart. Collision splits more (87.5 points), with State Farm highest and Farmers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
71.8
Middle percentile across available plans.
BI plan spread
46.0
State Farm to Farmers.
Plans available
2
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Farmers lowest.
State Farm
Private Passenger Auto
94.8
Within-plan percentile
Farmers
Farmers Auto
48.8
Within-plan percentile
Tesla Insurance
Tesla PPA
—
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Travelers
Quantum Auto 2.0
—
Within-plan percentile
Progressive
CA Select PPA
—
Within-plan percentile
State Farm ranks highest (93.7); Farmers ranks lowest (6.2). Collision spread is 87.5 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 | 71.8 | 46.0 pts | — | — | — | 48.8 | — | 94.8 |
| Property damage | 87.1 | 15.4 pts | — | — | — | 79.5 | — | 94.8 |
| Medical payments | 86.5 | 15.7 pts | — | — | — | 78.7 | — | 94.4 |
| Uninsured motorist BI | 57.6 | 19.7 pts | — | — | — | 47.7 | — | 67.5 |
| Uninsured motorist PD | 47.7 | — | — | — | — | 47.7 | — | — |
| Comprehensive | 53.0 | 80.0 pts | — | — | — | 13.0 | — | 93.1 |
| Collision | 49.9 | 87.5 pts | — | — | — | 6.2 | — | 93.7 |
Widest coverage spread
Collision
State Farm and Farmers are 87.5 percentile points apart.
Closest agreement
Property damage
Available plans are 15.4 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.