Compared ZIP · Atwater, Merced County · California ZIP 95343
In Atwater ZIP 95343, State Farm ranks highest and Farmers ranks lowest.
State Farm ranks highest (56.3); Farmers ranks lowest (43.1). The middle bodily-injury percentile is 49.7. Reviewed plans are 13.2 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
49.7
Middle percentile across available plans.
BI plan spread
13.2
State Farm to Farmers.
Plans available
2
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Farmers lowest.
State Farm
Private Passenger Auto
56.3
Within-plan percentile
Farmers
Farmers Auto
43.1
Within-plan percentile
Tesla Insurance
Tesla PPA
—
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Travelers
Quantum Auto 2.0
—
Within-plan percentile
Progressive
CA Select PPA
—
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 49.7 | 13.2 pts | — | — | — | 43.1 | — | 56.3 |
| Property damage | 55.8 | 0.9 pts | — | — | — | 55.4 | — | 56.3 |
| Medical payments | 70.1 | 12.2 pts | — | — | — | 64.0 | — | 76.2 |
| Uninsured motorist BI | 29.7 | 56.9 pts | — | — | — | 58.2 | — | 1.3 |
| Uninsured motorist PD | 58.2 | — | — | — | — | 58.2 | — | — |
| Comprehensive | 41.1 | 27.8 pts | — | — | — | 55.0 | — | 27.3 |
| Collision | 31.8 | 21.3 pts | — | — | — | 42.4 | — | 21.2 |
Widest coverage spread
Uninsured motorist BI
Farmers and State Farm are 56.9 percentile points apart.
Closest agreement
Property damage
Available plans are 0.9 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
Atwater, Merced County
95301
Progressive ranks highest (86.6); Travelers ranks lowest (30.0).
Read breakdownBallico, Merced County
95303
Tesla Insurance ranks highest (86.4); State Farm ranks lowest (45.5).
Read breakdownTracy, San Joaquin County
95304
Tesla Insurance ranks highest (79.7); State Farm ranks lowest (55.4).
Read breakdown