Plans disagree · Gustine, Merced County · California ZIP 95322
Tesla Insurance and Farmers place Gustine ZIP 95322 very differently.
Tesla Insurance ranks highest (55.6); Farmers ranks lowest (11.3). The middle bodily-injury percentile is 30.0. Reviewed plans are 44.3 points apart. Collision splits more (62.8 points), with Travelers highest and Progressive 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
44.3
Tesla Insurance to Farmers.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, Farmers lowest.
Tesla Insurance
Tesla PPA
55.6
Within-plan percentile
State Farm
Private Passenger Auto
49.6
Within-plan percentile
Travelers
Quantum Auto 2.0
30.0
Within-plan percentile
Progressive
CA Select PPA
18.0
Within-plan percentile
Farmers
Farmers Auto
11.3
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Travelers ranks highest (71.1); Progressive ranks lowest (8.3). 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 | 44.3 pts | 55.6 | — | 30.0 | 11.3 | 18.0 | 49.6 |
| Property damage | 30.8 | 30.0 pts | 30.0 | — | 30.8 | 51.2 | 21.3 | 49.6 |
| Medical payments | 46.8 | 44.3 pts | 82.0 | — | 37.7 | 46.8 | 39.2 | 57.9 |
| Uninsured motorist BI | 38.8 | 46.7 pts | 36.3 | — | — | 41.3 | 18.0 | 64.7 |
| Uninsured motorist PD | 41.3 | 49.5 pts | 57.7 | — | — | 41.3 | 8.3 | — |
| Comprehensive | 42.2 | 23.4 pts | 59.3 | — | 47.4 | 42.2 | 39.9 | 36.0 |
| Collision | 33.9 | 62.8 pts | 13.7 | — | 71.1 | 35.7 | 8.3 | 33.9 |
Widest coverage spread
Collision
Travelers and Progressive are 62.8 percentile points apart.
Closest agreement
Comprehensive
Available plans are 23.4 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.
Nearby compared ZIPs
Winton, Merced County
95388
Tesla Insurance ranks highest (86.4); Travelers ranks lowest (19.3).
Read breakdownModesto, Stanislaus County
95350
State Farm ranks highest (79.6); Progressive ranks lowest (13.3).
Read breakdownLos Banos, Merced County
93635
Progressive ranks highest (80.0); Farmers ranks lowest (16.7).
Read breakdown