Plans disagree · Lakeport, Lake County · California ZIP 95435
Tesla Insurance and Farmers place Lakeport ZIP 95435 very differently.
Tesla Insurance ranks highest (69.1); Farmers ranks lowest (9.0). The middle bodily-injury percentile is 17.1. Reviewed plans are 60.1 points apart. Collision splits more (79.7 points), with Progressive highest and State Farm lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
17.1
Middle percentile across available plans.
BI plan spread
60.1
Tesla Insurance to Farmers.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, Farmers lowest.
Tesla Insurance
Tesla PPA
69.1
Within-plan percentile
Progressive
CA Select PPA
29.0
Within-plan percentile
Travelers
Quantum Auto 2.0
17.1
Within-plan percentile
State Farm
Private Passenger Auto
11.7
Within-plan percentile
Farmers
Farmers Auto
9.0
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Progressive ranks highest (81.5); State Farm ranks lowest (1.9). Collision spread is 79.7 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 | 17.1 | 60.1 pts | 69.1 | — | 17.1 | 9.0 | 29.0 | 11.7 |
| Property damage | 21.3 | 46.5 pts | 34.5 | — | 20.2 | 58.3 | 21.3 | 11.7 |
| Medical payments | 47.0 | 58.2 pts | 59.9 | — | 30.2 | 59.4 | 47.0 | 1.7 |
| Uninsured motorist BI | 18.9 | 36.0 pts | 3.8 | — | — | 8.3 | 29.4 | 39.8 |
| Uninsured motorist PD | 41.8 | 73.2 pts | 41.8 | — | — | 8.3 | 81.5 | — |
| Comprehensive | 47.4 | 37.7 pts | 57.8 | — | 47.4 | 65.8 | 39.3 | 28.1 |
| Collision | 35.0 | 79.7 pts | 27.5 | — | 35.0 | 42.4 | 81.5 | 1.9 |
Widest coverage spread
Collision
Progressive and State Farm are 79.7 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 36.0 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
Middletown, Lake County
95461
Progressive ranks highest (92.9); Travelers ranks lowest (16.1).
Read breakdownClearlake Oaks, Lake County
95423
Progressive ranks highest (86.4); Travelers ranks lowest (10.6).
Read breakdownWilliams, Colusa County
95987
Farmers ranks highest (79.4); Progressive ranks lowest (8.2).
Read breakdown