Plans disagree · Guinda, Yolo County · California ZIP 95637
Farmers and State Farm place Guinda ZIP 95637 very differently.
Farmers ranks highest (64.6); State Farm ranks lowest (22.1). The middle bodily-injury percentile is 47.8. Reviewed plans are 42.5 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
47.8
Middle percentile across available plans.
BI plan spread
42.5
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
64.6
Within-plan percentile
Tesla Insurance
Tesla PPA
60.0
Within-plan percentile
Travelers
Quantum Auto 2.0
50.4
Within-plan percentile
Safeco
Private Passenger Auto
45.1
Within-plan percentile
Progressive
CA Select PPA
37.8
Within-plan percentile
State Farm
Private Passenger Auto
22.1
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 47.8 | 42.5 pts | 60.0 | 45.1 | 50.4 | 64.6 | 37.8 | 22.1 |
| Property damage | 33.2 | 39.0 pts | 34.5 | 31.8 | 30.8 | 39.4 | 61.1 | 22.1 |
| Medical payments | 36.4 | 73.4 pts | 36.1 | 78.8 | 30.2 | 36.8 | 5.4 | 57.1 |
| Uninsured motorist BI | 40.7 | 64.3 pts | 40.7 | 28.6 | — | 92.8 | 37.8 | 48.0 |
| Uninsured motorist PD | 46.4 | 60.3 pts | 45.0 | 47.7 | — | 92.8 | 32.5 | — |
| Comprehensive | 67.1 | 45.5 pts | 90.9 | 73.8 | 53.5 | 60.5 | 45.4 | 74.8 |
| Collision | 41.7 | 33.6 pts | 41.4 | 48.1 | 42.0 | 24.9 | 32.5 | 58.4 |
Widest coverage spread
Medical payments
Safeco and Progressive are 73.4 percentile points apart.
Closest agreement
Collision
Available plans are 33.6 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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