Plans disagree · Capay, Yolo County · California ZIP 95607
Farmers and State Farm place Capay ZIP 95607 very differently.
Farmers ranks highest (70.8); State Farm ranks lowest (25.6). The middle bodily-injury percentile is 50.6. Reviewed plans are 45.1 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
50.6
Middle percentile across available plans.
BI plan spread
45.1
Farmers to State Farm.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, State Farm lowest.
Farmers
Farmers Auto
70.8
Within-plan percentile
Progressive
CA Select PPA
66.7
Within-plan percentile
Tesla Insurance
Tesla PPA
57.3
Within-plan percentile
Safeco
Private Passenger Auto
43.8
Within-plan percentile
Travelers
Quantum Auto 2.0
41.5
Within-plan percentile
State Farm
Private Passenger Auto
25.6
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 50.6 | 45.1 pts | 57.3 | 43.8 | 41.5 | 70.8 | 66.7 | 25.6 |
| Property damage | 35.3 | 60.1 pts | 30.0 | 34.6 | 35.9 | 39.4 | 85.8 | 25.6 |
| Medical payments | 64.4 | 69.9 pts | 59.9 | 78.2 | 8.4 | 69.0 | 32.6 | 75.3 |
| Uninsured motorist BI | 51.2 | 62.4 pts | 37.2 | 30.4 | — | 92.8 | 67.5 | 51.2 |
| Uninsured motorist PD | 36.4 | 79.0 pts | 35.7 | 37.0 | — | 92.8 | 13.8 | — |
| Comprehensive | 54.0 | 64.2 pts | 80.2 | 57.4 | 49.6 | 16.1 | 78.9 | 50.5 |
| Collision | 10.5 | 23.5 pts | 7.2 | 3.1 | 26.6 | 3.8 | 13.8 | 19.4 |
Widest coverage spread
Uninsured motorist PD
Farmers and Progressive are 79.0 percentile points apart.
Closest agreement
Collision
Available plans are 23.5 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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