Plans disagree · Diamond Springs, El Dorado County · California ZIP 95619
Progressive and Safeco place Diamond Springs ZIP 95619 very differently.
Progressive ranks highest (84.5); Safeco ranks lowest (35.2). The middle bodily-injury percentile is 48.9. Reviewed plans are 49.3 points apart. Collision splits more (75.2 points), with Tesla Insurance highest and Safeco lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
48.9
Middle percentile across available plans.
BI plan spread
49.3
Progressive to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, Safeco lowest.
Progressive
CA Select PPA
84.5
Within-plan percentile
Tesla Insurance
Tesla PPA
59.6
Within-plan percentile
State Farm
Private Passenger Auto
50.1
Within-plan percentile
Farmers
Farmers Auto
47.6
Within-plan percentile
Travelers
Quantum Auto 2.0
41.5
Within-plan percentile
Safeco
Private Passenger Auto
35.2
Within-plan percentile
Tesla Insurance ranks highest (77.9); Safeco ranks lowest (2.8). Collision spread is 75.2 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 | 48.9 | 49.3 pts | 59.6 | 35.2 | 41.5 | 47.6 | 84.5 | 50.1 |
| Property damage | 34.3 | 24.1 pts | 26.0 | 28.9 | 35.9 | 32.7 | 39.3 | 50.1 |
| Medical payments | 48.1 | 63.5 pts | 18.8 | 64.7 | 54.4 | 5.5 | 69.0 | 41.8 |
| Uninsured motorist BI | 70.8 | 46.1 pts | 53.2 | 41.0 | — | 87.2 | 83.8 | 70.8 |
| Uninsured motorist PD | 17.1 | 82.6 pts | 19.8 | 14.4 | — | 87.2 | 4.5 | — |
| Comprehensive | 50.9 | 68.8 pts | 80.2 | 61.3 | 66.0 | 11.4 | 11.9 | 40.6 |
| Collision | 5.1 | 75.2 pts | 77.9 | 2.8 | 37.7 | 5.2 | 4.5 | 5.0 |
Widest coverage spread
Uninsured motorist PD
Farmers and Progressive are 82.6 percentile points apart.
Closest agreement
Property damage
Available plans are 24.1 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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