Compared ZIP · El Nido, Merced County · California ZIP 95341
In El Nido ZIP 95341, Farmers ranks highest and Travelers ranks lowest.
Farmers ranks highest (86.4); Travelers ranks lowest (50.4). The middle bodily-injury percentile is 81.2. Reviewed plans are 35.9 points apart. Collision splits more (63.6 points), with Travelers highest and Farmers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
81.2
Middle percentile across available plans.
BI plan spread
35.9
Farmers to Travelers.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, Travelers lowest.
Farmers
Farmers Auto
86.4
Within-plan percentile
State Farm
Private Passenger Auto
82.9
Within-plan percentile
Progressive
CA Select PPA
81.2
Within-plan percentile
Tesla Insurance
Tesla PPA
58.1
Within-plan percentile
Travelers
Quantum Auto 2.0
50.4
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Travelers ranks highest (77.8); Farmers ranks lowest (14.2). Collision spread is 63.6 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 | 81.2 | 35.9 pts | 58.1 | — | 50.4 | 86.4 | 81.2 | 82.9 |
| Property damage | 43.6 | 66.9 pts | 15.9 | — | 35.9 | 50.2 | 43.6 | 82.9 |
| Medical payments | 71.5 | 41.9 pts | 58.2 | — | 54.4 | 71.5 | 96.3 | 95.9 |
| Uninsured motorist BI | 67.4 | 52.5 pts | 53.6 | — | — | 86.2 | 81.2 | 33.7 |
| Uninsured motorist PD | 67.5 | 31.0 pts | 67.5 | — | — | 86.2 | 55.2 | — |
| Comprehensive | 68.1 | 41.9 pts | 89.2 | — | 47.4 | 72.4 | 67.1 | 68.1 |
| Collision | 55.2 | 63.6 pts | 36.9 | — | 77.8 | 14.2 | 55.2 | 68.3 |
Widest coverage spread
Property damage
State Farm and Tesla Insurance are 66.9 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 31.0 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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