Plans disagree · Lincoln, Placer County · California ZIP 95648
Tesla Insurance and State Farm place Lincoln ZIP 95648 very differently.
Tesla Insurance ranks highest (83.1); State Farm ranks lowest (39.5). The middle bodily-injury percentile is 61.3. Reviewed plans are 43.7 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
61.3
Middle percentile across available plans.
BI plan spread
43.7
Tesla Insurance to State Farm.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, State Farm lowest.
Tesla Insurance
Tesla PPA
83.1
Within-plan percentile
Farmers
Farmers Auto
78.2
Within-plan percentile
Travelers
Quantum Auto 2.0
65.8
Within-plan percentile
Progressive
CA Select PPA
56.9
Within-plan percentile
Safeco
Private Passenger Auto
42.3
Within-plan percentile
State Farm
Private Passenger Auto
39.5
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 61.3 | 43.7 pts | 83.1 | 42.3 | 65.8 | 78.2 | 56.9 | 39.5 |
| Property damage | 44.8 | 54.8 pts | 47.4 | 51.8 | 42.1 | 31.5 | 86.4 | 39.5 |
| Medical payments | 20.1 | 61.1 pts | 65.0 | 22.9 | 21.9 | 4.7 | 3.9 | 18.2 |
| Uninsured motorist BI | 54.9 | 33.7 pts | 48.7 | 54.9 | — | 28.7 | 56.9 | 62.4 |
| Uninsured motorist PD | 30.2 | 9.1 pts | 37.8 | 28.9 | — | 28.7 | 31.5 | — |
| Comprehensive | 21.0 | 87.7 pts | 89.2 | 57.4 | 31.0 | 1.5 | 2.6 | 11.0 |
| Collision | 22.4 | 47.6 pts | 52.8 | 5.2 | 26.6 | 13.8 | 31.5 | 18.2 |
Widest coverage spread
Comprehensive
Tesla Insurance and Farmers are 87.7 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 9.1 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
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95746
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Farmers ranks highest (84.6); Tesla Insurance ranks lowest (32.5).
Read breakdown