Plans disagree · El Portal, Mariposa County · California ZIP 95318
Progressive and State Farm place El Portal ZIP 95318 very differently.
Progressive ranks highest (46.7); State Farm ranks lowest (6.4). The middle bodily-injury percentile is 30.0. Reviewed plans are 40.4 points apart. Collision splits more (62.8 points), with Travelers highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
30.0
Middle percentile across available plans.
BI plan spread
40.4
Progressive to State Farm.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, State Farm lowest.
Progressive
CA Select PPA
46.7
Within-plan percentile
Farmers
Farmers Auto
35.5
Within-plan percentile
Travelers
Quantum Auto 2.0
30.0
Within-plan percentile
Tesla Insurance
Tesla PPA
20.1
Within-plan percentile
State Farm
Private Passenger Auto
6.4
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Travelers ranks highest (68.6); Tesla Insurance ranks lowest (5.8). Collision spread is 62.8 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 | 30.0 | 40.4 pts | 20.1 | — | 30.0 | 35.5 | 46.7 | 6.4 |
| Property damage | 10.4 | 28.2 pts | 34.5 | — | 10.4 | 10.5 | 9.9 | 6.4 |
| Medical payments | 50.9 | 51.9 pts | 50.9 | — | 16.3 | 61.2 | 48.7 | 68.2 |
| Uninsured motorist BI | 34.2 | 23.2 pts | 23.3 | — | — | 38.6 | 46.5 | 29.9 |
| Uninsured motorist PD | 38.6 | 43.4 pts | 64.5 | — | — | 38.6 | 21.0 | — |
| Comprehensive | 68.8 | 34.4 pts | 49.6 | — | 68.9 | 46.4 | 68.8 | 80.8 |
| Collision | 21.0 | 62.8 pts | 5.8 | — | 68.6 | 60.0 | 21.0 | 13.1 |
Widest coverage spread
Collision
Travelers and Tesla Insurance are 62.8 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 23.2 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.
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