Plans disagree · Fair Oaks, Sacramento County · California ZIP 95628
Progressive and Safeco place Fair Oaks ZIP 95628 very differently.
Progressive ranks highest (95.3); Safeco ranks lowest (45.8). The middle bodily-injury percentile is 78.7. Reviewed plans are 49.5 points apart. Collision splits more (90.8 points), with Tesla Insurance highest and State Farm lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
78.7
Middle percentile across available plans.
BI plan spread
49.5
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
95.3
Within-plan percentile
Travelers
Quantum Auto 2.0
87.2
Within-plan percentile
Farmers
Farmers Auto
84.3
Within-plan percentile
Tesla Insurance
Tesla PPA
73.1
Within-plan percentile
State Farm
Private Passenger Auto
56.3
Within-plan percentile
Safeco
Private Passenger Auto
45.8
Within-plan percentile
Tesla Insurance ranks highest (94.4); State Farm ranks lowest (3.6). Collision spread is 90.8 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 | 78.7 | 49.5 pts | 73.1 | 45.8 | 87.2 | 84.3 | 95.3 | 56.3 |
| Property damage | 70.2 | 25.5 pts | 54.5 | 65.3 | 75.1 | 79.9 | 78.7 | 56.3 |
| Medical payments | 64.4 | 44.4 pts | 43.9 | 55.5 | 73.4 | 82.7 | 74.4 | 38.3 |
| Uninsured motorist BI | 86.2 | 22.0 pts | 86.2 | 81.0 | — | 88.9 | 95.3 | 73.3 |
| Uninsured motorist PD | 72.7 | 45.6 pts | 61.2 | 84.2 | — | 88.9 | 43.3 | — |
| Comprehensive | 31.6 | 52.4 pts | 49.6 | 50.8 | 53.5 | 13.7 | 1.1 | 7.1 |
| Collision | 37.1 | 90.8 pts | 94.4 | 8.4 | 50.0 | 31.0 | 43.3 | 3.6 |
Widest coverage spread
Collision
Tesla Insurance and State Farm are 90.8 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 22.0 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
Sacramento
95826
Farmers ranks highest (91.8); Progressive ranks lowest (13.3).
Read breakdownGold River, Sacramento County
95670
Farmers ranks highest (88.1); Progressive ranks lowest (21.1).
Read breakdownRancho Cordova, Sacramento County
95742
Tesla Insurance ranks highest (82.6); Farmers ranks lowest (18.4).
Read breakdown