Compared ZIP · Merced · California ZIP 95348
In Merced ZIP 95348, Farmers ranks highest and Travelers ranks lowest.
Farmers ranks highest (75.6); Travelers ranks lowest (50.4). The middle bodily-injury percentile is 63.1. Reviewed plans are 25.1 points apart. Collision splits more (66.6 points), with Tesla Insurance highest and Progressive lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
63.1
Middle percentile across available plans.
BI plan spread
25.1
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
75.6
Within-plan percentile
State Farm
Private Passenger Auto
64.4
Within-plan percentile
Tesla Insurance
Tesla PPA
63.1
Within-plan percentile
Progressive
CA Select PPA
54.0
Within-plan percentile
Travelers
Quantum Auto 2.0
50.4
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Tesla Insurance ranks highest (79.0); Progressive ranks lowest (12.4). Collision spread is 66.6 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 | 63.1 | 25.1 pts | 63.1 | — | 50.4 | 75.6 | 54.0 | 64.4 |
| Property damage | 27.3 | 54.5 pts | 20.9 | — | 35.9 | 9.9 | 27.3 | 64.4 |
| Medical payments | 81.7 | 41.9 pts | 81.2 | — | 54.4 | 89.3 | 96.3 | 81.7 |
| Uninsured motorist BI | 43.3 | 39.2 pts | 40.9 | — | — | 14.7 | 54.0 | 45.8 |
| Uninsured motorist PD | 14.7 | 46.6 pts | 58.9 | — | — | 14.7 | 12.4 | — |
| Comprehensive | 59.0 | 52.7 pts | 67.6 | — | 40.5 | 59.0 | 20.3 | 73.0 |
| Collision | 66.0 | 66.6 pts | 79.0 | — | 77.8 | 22.3 | 12.4 | 66.0 |
Widest coverage spread
Collision
Tesla Insurance and Progressive are 66.6 percentile points apart.
Closest agreement
Bodily injury
Available plans are 25.1 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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Read breakdownMidpines, Mariposa County
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Progressive ranks highest (78.4); State Farm ranks lowest (6.4).
Read breakdown