Plans disagree · Modesto, Stanislaus County · California ZIP 95351
State Farm and Progressive place Modesto ZIP 95351 very differently.
State Farm ranks highest (78.5); Progressive ranks lowest (21.1). The middle bodily-injury percentile is 60.3. Reviewed plans are 57.5 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
60.3
Middle percentile across available plans.
BI plan spread
57.5
State Farm to Progressive.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Progressive lowest.
State Farm
Private Passenger Auto
78.5
Within-plan percentile
Travelers
Quantum Auto 2.0
65.8
Within-plan percentile
Tesla Insurance
Tesla PPA
60.3
Within-plan percentile
Farmers
Farmers Auto
57.3
Within-plan percentile
Progressive
CA Select PPA
21.1
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 60.3 | 57.5 pts | 60.3 | — | 65.8 | 57.3 | 21.1 | 78.5 |
| Property damage | 56.2 | 61.6 pts | 57.7 | — | 56.2 | 16.9 | 32.7 | 78.5 |
| Medical payments | 91.8 | 17.0 pts | 88.4 | — | 80.0 | 92.5 | 91.8 | 97.0 |
| Uninsured motorist BI | 60.3 | 53.5 pts | 66.9 | — | — | 77.5 | 24.0 | 53.7 |
| Uninsured motorist PD | 77.5 | 35.8 pts | 86.1 | — | — | 77.5 | 50.2 | — |
| Comprehensive | 85.8 | 22.4 pts | 68.3 | — | 77.1 | 90.8 | 85.8 | 87.0 |
| Collision | 57.1 | 28.4 pts | 56.0 | — | 75.4 | 57.1 | 50.2 | 78.6 |
Widest coverage spread
Property damage
State Farm and Farmers are 61.6 percentile points apart.
Closest agreement
Medical payments
Available plans are 17.0 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.
Nearby compared ZIPs
Tracy, San Joaquin County
95376
Tesla Insurance ranks highest (91.9); Farmers ranks lowest (18.4).
Read breakdownWinton, Merced County
95388
Tesla Insurance ranks highest (86.4); Travelers ranks lowest (19.3).
Read breakdownModesto, Stanislaus County
95350
State Farm ranks highest (79.6); Progressive ranks lowest (13.3).
Read breakdown