Plans disagree · Grizzly Flats, El Dorado County · California ZIP 95636
Farmers and State Farm place Grizzly Flats ZIP 95636 very differently.
Farmers ranks highest (80.3); State Farm ranks lowest (30.3). The middle bodily-injury percentile is 57.7. Reviewed plans are 50.0 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
57.7
Middle percentile across available plans.
BI plan spread
50.0
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
80.3
Within-plan percentile
Tesla Insurance
Tesla PPA
78.2
Within-plan percentile
Progressive
CA Select PPA
72.2
Within-plan percentile
Safeco
Private Passenger Auto
43.2
Within-plan percentile
Travelers
Quantum Auto 2.0
41.5
Within-plan percentile
State Farm
Private Passenger Auto
30.3
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 57.7 | 50.0 pts | 78.2 | 43.2 | 41.5 | 80.3 | 72.2 | 30.3 |
| Property damage | 19.8 | 34.1 pts | 15.9 | 19.4 | 20.2 | 46.8 | 12.7 | 30.3 |
| Medical payments | 55.2 | 40.6 pts | 56.1 | 44.5 | 54.4 | 85.0 | 75.2 | 50.0 |
| Uninsured motorist BI | 72.0 | 29.1 pts | 80.6 | 60.2 | — | 89.3 | 72.0 | 70.8 |
| Uninsured motorist PD | 44.2 | 68.0 pts | 28.3 | 21.2 | — | 89.3 | 60.2 | — |
| Comprehensive | 84.8 | 20.1 pts | 89.2 | 90.8 | 81.4 | 70.7 | 76.5 | 88.3 |
| Collision | 63.9 | 38.1 pts | 47.9 | 67.7 | 31.8 | 69.9 | 60.2 | 68.9 |
Widest coverage spread
Uninsured motorist PD
Farmers and Safeco are 68.0 percentile points apart.
Closest agreement
Comprehensive
Available plans are 20.1 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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