Broadly lower position · Cold Springs, Tuolumne County · California ZIP 95335
Cold Springs ZIP 95335 ranks near the lower end across plans.
Farmers ranks highest (28.4); State Farm ranks lowest (17.7). The middle bodily-injury percentile is 20.6. Reviewed plans are 10.6 points apart. Collision splits more (53.2 points), with Travelers highest and Progressive lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
20.6
Middle percentile across available plans.
BI plan spread
10.6
Farmers to State Farm.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, State Farm lowest.
Farmers
Farmers Auto
28.4
Within-plan percentile
Travelers
Quantum Auto 2.0
26.1
Within-plan percentile
Tesla Insurance
Tesla PPA
20.6
Within-plan percentile
Progressive
CA Select PPA
19.9
Within-plan percentile
State Farm
Private Passenger Auto
17.7
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Travelers ranks highest (64.1); Progressive ranks lowest (10.9). Collision spread is 53.2 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 | 20.6 | 10.6 pts | 20.6 | — | 26.1 | 28.4 | 19.9 | 17.7 |
| Property damage | 21.4 | 55.4 pts | 15.9 | — | 21.4 | 71.3 | 50.7 | 17.7 |
| Medical payments | 64.0 | 36.2 pts | 61.4 | — | 46.8 | 64.0 | 83.0 | 72.0 |
| Uninsured motorist BI | 22.2 | 34.8 pts | 24.5 | — | — | 15.5 | 19.9 | 50.3 |
| Uninsured motorist PD | 15.5 | 19.3 pts | 30.2 | — | — | 15.5 | 10.9 | — |
| Comprehensive | 78.9 | 32.9 pts | 93.2 | — | 60.3 | 72.4 | 78.9 | 83.3 |
| Collision | 45.5 | 53.2 pts | 50.3 | — | 64.1 | 45.5 | 10.9 | 27.6 |
Widest coverage spread
Property damage
Farmers and Tesla Insurance are 55.4 percentile points apart.
Closest agreement
Bodily injury
Available plans are 10.6 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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