Compared ZIP · Modesto, Stanislaus County · California ZIP 95358
In Modesto ZIP 95358, Farmers ranks highest and Tesla Insurance ranks lowest.
Farmers ranks highest (86.4); Tesla Insurance ranks lowest (58.4). The middle bodily-injury percentile is 75.3. Reviewed plans are 27.9 points apart. Collision splits more (78.8 points), with Travelers highest and Progressive lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
75.3
Middle percentile across available plans.
BI plan spread
27.9
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
86.4
Within-plan percentile
State Farm
Private Passenger Auto
78.5
Within-plan percentile
Travelers
Quantum Auto 2.0
75.3
Within-plan percentile
Progressive
CA Select PPA
66.7
Within-plan percentile
Tesla Insurance
Tesla PPA
58.4
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Travelers ranks highest (89.1); Progressive ranks lowest (10.3). Collision spread is 78.8 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 | 75.3 | 27.9 pts | 58.4 | — | 75.3 | 86.4 | 66.7 | 78.5 |
| Property damage | 56.2 | 56.0 pts | 54.9 | — | 56.2 | 89.2 | 33.2 | 78.5 |
| Medical payments | 77.1 | 32.6 pts | 49.1 | — | 77.1 | 76.3 | 80.9 | 81.7 |
| Uninsured motorist BI | 71.4 | 32.5 pts | 97.7 | — | — | 65.2 | 67.5 | 75.3 |
| Uninsured motorist PD | 65.2 | 71.5 pts | 81.8 | — | — | 65.2 | 10.3 | — |
| Comprehensive | 68.9 | 26.7 pts | 48.1 | — | 68.9 | 74.8 | 67.1 | 70.0 |
| Collision | 50.8 | 78.8 pts | 50.8 | — | 89.1 | 82.6 | 10.3 | 44.9 |
Widest coverage spread
Collision
Travelers and Progressive are 78.8 percentile points apart.
Closest agreement
Comprehensive
Available plans are 26.7 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
Tracy, San Joaquin County
95376
Tesla Insurance ranks highest (91.9); Farmers ranks lowest (18.4).
Read breakdownModesto, Stanislaus County
95350
State Farm ranks highest (79.6); Progressive ranks lowest (13.3).
Read breakdownTracy, San Joaquin County
95377
State Farm ranks highest (79.2); Farmers ranks lowest (14.5).
Read breakdown