Compared ZIP · Modesto, Stanislaus County · California ZIP 95354
In Modesto ZIP 95354, Farmers ranks highest and Tesla Insurance ranks lowest.
Farmers ranks highest (89.8); Tesla Insurance ranks lowest (63.8). The middle bodily-injury percentile is 80.4. Reviewed plans are 26.0 points apart. Collision splits more (53.3 points), with Travelers highest and Farmers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
80.4
Middle percentile across available plans.
BI plan spread
26.0
Farmers to Tesla Insurance.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, Tesla Insurance lowest.
Farmers
Farmers Auto
89.8
Within-plan percentile
State Farm
Private Passenger Auto
87.1
Within-plan percentile
Progressive
CA Select PPA
80.4
Within-plan percentile
Travelers
Quantum Auto 2.0
65.8
Within-plan percentile
Tesla Insurance
Tesla PPA
63.8
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Travelers ranks highest (82.8); Farmers ranks lowest (29.5). Collision spread is 53.3 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 | 80.4 | 26.0 pts | 63.8 | — | 65.8 | 89.8 | 80.4 | 87.1 |
| Property damage | 67.1 | 28.7 pts | 67.1 | — | 66.4 | 78.6 | 58.5 | 87.1 |
| Medical payments | 92.6 | 18.1 pts | 79.6 | — | 80.0 | 92.6 | 97.7 | 94.7 |
| Uninsured motorist BI | 75.1 | 15.5 pts | 70.6 | — | — | 65.2 | 80.7 | 79.6 |
| Uninsured motorist PD | 63.2 | 31.0 pts | 63.2 | — | — | 65.2 | 34.2 | — |
| Comprehensive | 62.5 | 26.8 pts | 53.0 | — | 47.4 | 62.5 | 74.2 | 67.2 |
| Collision | 34.2 | 53.3 pts | 34.1 | — | 82.8 | 29.5 | 34.2 | 82.1 |
Widest coverage spread
Collision
Travelers and Farmers are 53.3 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 15.5 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