Plans disagree · Kirkwood, Alpine County · California ZIP 95646
Progressive and State Farm place Kirkwood ZIP 95646 very differently.
Progressive ranks highest (56.9); State Farm ranks lowest (6.4). The middle bodily-injury percentile is 39.2. Reviewed plans are 50.6 points apart. Collision splits more (80.6 points), with Travelers highest and Farmers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
39.2
Middle percentile across available plans.
BI plan spread
50.6
Progressive to State Farm.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, State Farm lowest.
Progressive
CA Select PPA
56.9
Within-plan percentile
Farmers
Farmers Auto
55.9
Within-plan percentile
Tesla Insurance
Tesla PPA
39.2
Within-plan percentile
Travelers
Quantum Auto 2.0
17.1
Within-plan percentile
State Farm
Private Passenger Auto
6.4
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Travelers ranks highest (89.1); Farmers ranks lowest (8.5). Collision spread is 80.6 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 | 39.2 | 50.6 pts | 39.2 | — | 17.1 | 55.9 | 56.9 | 6.4 |
| Property damage | 12.5 | 35.8 pts | 10.7 | — | 42.1 | 12.5 | 20.2 | 6.4 |
| Medical payments | 26.7 | 29.1 pts | 25.2 | — | 54.4 | 36.8 | 26.6 | 26.7 |
| Uninsured motorist BI | 61.6 | 38.3 pts | 66.3 | — | — | 87.2 | 56.9 | 48.8 |
| Uninsured motorist PD | 76.9 | 47.5 pts | 76.9 | — | — | 87.2 | 39.7 | — |
| Comprehensive | 64.9 | 42.1 pts | 80.2 | — | 60.3 | 38.1 | 64.9 | 79.9 |
| Collision | 39.7 | 80.6 pts | 25.6 | — | 89.1 | 8.5 | 39.7 | 61.8 |
Widest coverage spread
Collision
Travelers and Farmers are 80.6 percentile points apart.
Closest agreement
Medical payments
Available plans are 29.1 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.
Nearby compared ZIPs
Glencoe, Calaveras County
95232
Progressive ranks highest (84.5); State Farm ranks lowest (3.0).
Read breakdownSouth Lake Tahoe, El Dorado County
96150
Tesla Insurance ranks highest (84.0); Travelers ranks lowest (7.0).
Read breakdownTwin Bridges, El Dorado County
95735
Progressive ranks highest (78.4); Travelers ranks lowest (3.6).
Read breakdown