Plans disagree · Atwater, Merced County · California ZIP 95347
Tesla Insurance and State Farm place Atwater ZIP 95347 very differently.
Tesla Insurance ranks highest (61.6); State Farm ranks lowest (17.7). The middle bodily-injury percentile is 38.6. Reviewed plans are 43.9 points apart. Collision splits more (69.1 points), with Progressive highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
38.6
Middle percentile across available plans.
BI plan spread
43.9
Tesla Insurance to State Farm.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, State Farm lowest.
Tesla Insurance
Tesla PPA
61.6
Within-plan percentile
Progressive
CA Select PPA
42.7
Within-plan percentile
Farmers
Farmers Auto
38.6
Within-plan percentile
Travelers
Quantum Auto 2.0
30.0
Within-plan percentile
State Farm
Private Passenger Auto
17.7
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Progressive ranks highest (73.4); Tesla Insurance ranks lowest (4.3). Collision spread is 69.1 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 | 38.6 | 43.9 pts | 61.6 | — | 30.0 | 38.6 | 42.7 | 17.7 |
| Property damage | 23.2 | 53.5 pts | 26.0 | — | 23.2 | 67.9 | 14.4 | 17.7 |
| Medical payments | 44.1 | 34.7 pts | 57.5 | — | 30.2 | 45.4 | 22.8 | 44.1 |
| Uninsured motorist BI | 40.7 | 35.8 pts | 49.8 | — | — | 38.6 | 42.7 | 14.0 |
| Uninsured motorist PD | 38.6 | 49.1 pts | 24.3 | — | — | 38.6 | 73.4 | — |
| Comprehensive | 48.1 | 35.8 pts | 48.1 | — | 66.0 | 42.2 | 42.8 | 78.0 |
| Collision | 64.1 | 69.1 pts | 4.3 | — | 64.1 | 58.1 | 73.4 | 64.1 |
Widest coverage spread
Collision
Progressive and Tesla Insurance are 69.1 percentile points apart.
Closest agreement
Medical payments
Available plans are 34.7 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