Compared ZIP · Philo, Mendocino County · California ZIP 95466
In Philo ZIP 95466, Tesla Insurance ranks highest and Farmers ranks lowest.
Tesla Insurance ranks highest (36.9); Farmers ranks lowest (2.4). The middle bodily-injury percentile is 5.4. Reviewed plans are 34.5 points apart. Collision splits more (51.4 points), with Travelers highest and Progressive lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
5.4
Middle percentile across available plans.
BI plan spread
34.5
Tesla Insurance to Farmers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, Farmers lowest.
Tesla Insurance
Tesla PPA
36.9
Within-plan percentile
Safeco
Private Passenger Auto
19.1
Within-plan percentile
State Farm
Private Passenger Auto
6.4
Within-plan percentile
Travelers
Quantum Auto 2.0
4.5
Within-plan percentile
Progressive
CA Select PPA
2.5
Within-plan percentile
Farmers
Farmers Auto
2.4
Within-plan percentile
Travelers ranks highest (75.4); Progressive ranks lowest (24.0). Collision spread is 51.4 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 | 5.4 | 34.5 pts | 36.9 | 19.1 | 4.5 | 2.4 | 2.5 | 6.4 |
| Property damage | 15.7 | 22.4 pts | 26.0 | 19.4 | 3.6 | 12.8 | 18.7 | 6.4 |
| Medical payments | 35.5 | 50.8 pts | 61.9 | 16.1 | 11.1 | 39.0 | 50.8 | 31.9 |
| Uninsured motorist BI | 11.1 | 17.1 pts | 19.7 | 11.1 | — | 10.3 | 2.5 | 13.1 |
| Uninsured motorist PD | 5.3 | 23.7 pts | 0.3 | 0.3 | — | 10.3 | 24.0 | — |
| Comprehensive | 71.2 | 33.9 pts | 58.3 | 92.2 | 74.3 | 72.4 | 69.9 | 67.2 |
| Collision | 50.9 | 51.4 pts | 47.9 | 62.2 | 75.4 | 53.9 | 24.0 | 30.3 |
Widest coverage spread
Collision
Travelers and Progressive are 51.4 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 17.1 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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