Plans disagree · Carmichael, Sacramento County · California ZIP 95608
Farmers and State Farm place Carmichael ZIP 95608 very differently.
Farmers ranks highest (92.3); State Farm ranks lowest (46.2). The middle bodily-injury percentile is 77.5. Reviewed plans are 46.1 points apart. Collision splits more (61.7 points), with Progressive highest and State Farm lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
77.5
Middle percentile across available plans.
BI plan spread
46.1
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
92.3
Within-plan percentile
Travelers
Quantum Auto 2.0
90.3
Within-plan percentile
Progressive
CA Select PPA
83.8
Within-plan percentile
Tesla Insurance
Tesla PPA
71.3
Within-plan percentile
Safeco
Private Passenger Auto
69.5
Within-plan percentile
State Farm
Private Passenger Auto
46.2
Within-plan percentile
Progressive ranks highest (69.4); State Farm ranks lowest (7.7). Collision spread is 61.7 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 | 77.5 | 46.1 pts | 71.3 | 69.5 | 90.3 | 92.3 | 83.8 | 46.2 |
| Property damage | 68.5 | 45.1 pts | 63.5 | 73.6 | 75.1 | 91.3 | 62.5 | 46.2 |
| Medical payments | 70.6 | 26.8 pts | 79.6 | 52.8 | 68.2 | 78.7 | 73.1 | 60.4 |
| Uninsured motorist BI | 80.0 | 37.4 pts | 73.9 | 80.0 | — | 90.3 | 84.4 | 53.0 |
| Uninsured motorist PD | 76.6 | 20.9 pts | 69.7 | 83.5 | — | 90.3 | 69.4 | — |
| Comprehensive | 33.1 | 81.7 pts | 85.8 | 49.0 | 72.0 | 13.7 | 17.2 | 4.1 |
| Collision | 55.4 | 61.7 pts | 44.6 | 53.7 | 57.1 | 66.2 | 69.4 | 7.7 |
Widest coverage spread
Comprehensive
Tesla Insurance and State Farm are 81.7 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 20.9 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
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