Compared ZIP · Lotus, El Dorado County · California ZIP 95651
In Lotus ZIP 95651, Travelers ranks highest and Safeco ranks lowest.
Travelers ranks highest (53.4); Safeco ranks lowest (29.0). The middle bodily-injury percentile is 51.9. Reviewed plans are 24.4 points apart. Collision splits more (77.1 points), with Progressive highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
51.9
Middle percentile across available plans.
BI plan spread
24.4
Travelers to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Safeco lowest.
Travelers
Quantum Auto 2.0
53.4
Within-plan percentile
State Farm
Private Passenger Auto
53.0
Within-plan percentile
Farmers
Farmers Auto
52.8
Within-plan percentile
Progressive
CA Select PPA
50.9
Within-plan percentile
Tesla Insurance
Tesla PPA
44.4
Within-plan percentile
Safeco
Private Passenger Auto
29.0
Within-plan percentile
Progressive ranks highest (86.0); Tesla Insurance ranks lowest (8.9). Collision spread is 77.1 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 | 51.9 | 24.4 pts | 44.4 | 29.0 | 53.4 | 52.8 | 50.9 | 53.0 |
| Property damage | 29.2 | 46.8 pts | 8.3 | 22.4 | 35.9 | 16.3 | 55.2 | 53.0 |
| Medical payments | 24.2 | 81.1 pts | 89.4 | 28.3 | 8.4 | 13.9 | 77.9 | 20.1 |
| Uninsured motorist BI | 62.2 | 38.4 pts | 62.2 | 51.0 | — | 89.3 | 50.9 | 62.4 |
| Uninsured motorist PD | 58.4 | 71.0 pts | 30.8 | 18.2 | — | 89.3 | 86.0 | — |
| Comprehensive | 60.8 | 44.7 pts | 85.8 | 61.3 | 60.3 | 41.1 | 62.5 | 53.4 |
| Collision | 48.2 | 77.1 pts | 8.9 | 39.3 | 37.7 | 59.5 | 86.0 | 57.2 |
Widest coverage spread
Medical payments
Tesla Insurance and Travelers are 81.1 percentile points apart.
Closest agreement
Bodily injury
Available plans are 24.4 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.
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