Plans disagree · Herald, Sacramento County · California ZIP 95638
Farmers and Progressive place Herald ZIP 95638 very differently.
Farmers ranks highest (76.3); Progressive ranks lowest (25.8). The middle bodily-injury percentile is 62.0. Reviewed plans are 50.5 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
62.0
Middle percentile across available plans.
BI plan spread
50.5
Farmers to Progressive.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, Progressive lowest.
Farmers
Farmers Auto
76.3
Within-plan percentile
Tesla Insurance
Tesla PPA
66.7
Within-plan percentile
Travelers
Quantum Auto 2.0
65.8
Within-plan percentile
Safeco
Private Passenger Auto
58.2
Within-plan percentile
State Farm
Private Passenger Auto
56.9
Within-plan percentile
Progressive
CA Select PPA
25.8
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 62.0 | 50.5 pts | 66.7 | 58.2 | 65.8 | 76.3 | 25.8 | 56.9 |
| Property damage | 47.8 | 22.4 pts | 34.5 | 46.8 | 48.7 | 51.2 | 46.8 | 56.9 |
| Medical payments | 55.5 | 56.3 pts | 49.9 | 45.1 | 68.2 | 61.2 | 77.9 | 21.6 |
| Uninsured motorist BI | 83.7 | 67.1 pts | 91.1 | 72.4 | — | 92.8 | 25.8 | 83.7 |
| Uninsured motorist PD | 54.7 | 65.9 pts | 54.7 | 54.6 | — | 92.8 | 26.9 | — |
| Comprehensive | 66.7 | 66.5 pts | 89.2 | 61.3 | 72.0 | 22.7 | 33.1 | 74.8 |
| Collision | 34.0 | 44.7 pts | 16.5 | 61.3 | 35.0 | 38.3 | 26.9 | 33.0 |
Widest coverage spread
Uninsured motorist BI
Farmers and Progressive are 67.1 percentile points apart.
Closest agreement
Property damage
Available plans are 22.4 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
Amador City, Amador County
95601
Progressive ranks highest (89.0); Tesla Insurance ranks lowest (1.8).
Read breakdownSacramento
95826
Farmers ranks highest (91.8); Progressive ranks lowest (13.3).
Read breakdownJackson, Amador County
95642
Tesla Insurance ranks highest (82.2); Travelers ranks lowest (8.9).
Read breakdown