Plans disagree · Snelling, Merced County · California ZIP 95369
Tesla Insurance and State Farm place Snelling ZIP 95369 very differently.
Tesla Insurance ranks highest (74.6); State Farm ranks lowest (29.0). The middle bodily-injury percentile is 48.8. Reviewed plans are 45.6 points apart. Collision splits more (64.4 points), with Farmers highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
48.8
Middle percentile across available plans.
BI plan spread
45.6
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
74.6
Within-plan percentile
Progressive
CA Select PPA
50.9
Within-plan percentile
Farmers
Farmers Auto
48.8
Within-plan percentile
Travelers
Quantum Auto 2.0
41.5
Within-plan percentile
State Farm
Private Passenger Auto
29.0
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Farmers ranks highest (69.2); Tesla Insurance ranks lowest (4.7). Collision spread is 64.4 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 | 48.8 | 45.6 pts | 74.6 | — | 41.5 | 48.8 | 50.9 | 29.0 |
| Property damage | 25.9 | 19.7 pts | 22.5 | — | 35.9 | 25.9 | 16.2 | 29.0 |
| Medical payments | 54.4 | 67.0 pts | 16.0 | — | 54.4 | 64.0 | 83.0 | 51.4 |
| Uninsured motorist BI | 33.6 | 35.4 pts | 36.0 | — | — | 15.5 | 50.9 | 31.2 |
| Uninsured motorist PD | 25.8 | 15.7 pts | 31.3 | — | — | 15.5 | 25.8 | — |
| Comprehensive | 51.4 | 24.2 pts | 60.1 | — | 51.4 | 38.1 | 51.5 | 36.0 |
| Collision | 58.4 | 64.4 pts | 4.7 | — | 68.6 | 69.2 | 25.8 | 58.4 |
Widest coverage spread
Medical payments
Progressive and Tesla Insurance are 67.0 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 15.7 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.
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