Compared ZIP · Vernalis, Stanislaus County · California ZIP 95385
In Vernalis ZIP 95385, Travelers ranks highest and Progressive ranks lowest.
Travelers ranks highest (45.8); Progressive ranks lowest (9.6). The middle bodily-injury percentile is 23.2. Reviewed plans are 36.2 points apart. Collision splits more (48.9 points), with State Farm highest and Progressive lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
23.2
Middle percentile across available plans.
BI plan spread
36.2
Travelers to Progressive.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Progressive lowest.
Travelers
Quantum Auto 2.0
45.8
Within-plan percentile
Tesla Insurance
Tesla PPA
34.4
Within-plan percentile
Farmers
Farmers Auto
23.2
Within-plan percentile
State Farm
Private Passenger Auto
22.1
Within-plan percentile
Progressive
CA Select PPA
9.6
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
State Farm ranks highest (74.8); Progressive ranks lowest (25.8). Collision spread is 48.9 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 | 23.2 | 36.2 pts | 34.4 | — | 45.8 | 23.2 | 9.6 | 22.1 |
| Property damage | 48.7 | 41.5 pts | 13.3 | — | 48.7 | 54.8 | 50.2 | 22.1 |
| Medical payments | 61.9 | 14.2 pts | 68.6 | — | 54.4 | 61.2 | 63.9 | 61.9 |
| Uninsured motorist BI | 34.5 | 38.9 pts | 48.5 | — | — | 47.7 | 9.6 | 21.3 |
| Uninsured motorist PD | 47.7 | 33.3 pts | 59.1 | — | — | 47.7 | 25.8 | — |
| Comprehensive | 49.9 | 14.3 pts | 56.5 | — | 51.4 | 42.2 | 47.6 | 49.9 |
| Collision | 57.1 | 48.9 pts | 36.0 | — | 57.1 | 66.2 | 25.8 | 74.8 |
Widest coverage spread
Collision
State Farm and Progressive are 48.9 percentile points apart.
Closest agreement
Medical payments
Available plans are 14.2 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
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Read breakdownTracy, San Joaquin County
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State Farm ranks highest (79.2); Farmers ranks lowest (14.5).
Read breakdown