Compared ZIP · Modesto, Stanislaus County · California ZIP 95319
In Modesto ZIP 95319, State Farm ranks highest and Tesla Insurance ranks lowest.
State Farm ranks highest (68.9); Tesla Insurance ranks lowest (34.7). The middle bodily-injury percentile is 41.5. Reviewed plans are 34.2 points apart. Collision splits more (60.7 points), with Travelers highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
41.5
Middle percentile across available plans.
BI plan spread
34.2
State Farm to Tesla Insurance.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Tesla Insurance lowest.
State Farm
Private Passenger Auto
68.9
Within-plan percentile
Progressive
CA Select PPA
49.2
Within-plan percentile
Travelers
Quantum Auto 2.0
41.5
Within-plan percentile
Farmers
Farmers Auto
37.7
Within-plan percentile
Tesla Insurance
Tesla PPA
34.7
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Travelers ranks highest (64.1); Tesla Insurance ranks lowest (3.4). Collision spread is 60.7 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 | 41.5 | 34.2 pts | 34.7 | — | 41.5 | 37.7 | 49.2 | 68.9 |
| Property damage | 62.6 | 26.2 pts | 42.6 | — | 62.6 | 63.5 | 59.8 | 68.9 |
| Medical payments | 68.4 | 32.5 pts | 47.5 | — | 80.0 | 68.4 | 74.0 | 63.5 |
| Uninsured motorist BI | 57.2 | 49.5 pts | 77.9 | — | — | 65.2 | 49.2 | 28.4 |
| Uninsured motorist PD | 65.2 | 20.3 pts | 75.5 | — | — | 65.2 | 55.2 | — |
| Comprehensive | 54.4 | 30.9 pts | 43.5 | — | 33.2 | 55.0 | 64.1 | 54.4 |
| Collision | 55.2 | 60.7 pts | 3.4 | — | 64.1 | 56.7 | 55.2 | 28.7 |
Widest coverage spread
Collision
Travelers and Tesla Insurance are 60.7 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 20.3 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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