Plans disagree · Alta, Placer County · California ZIP 95712
Tesla Insurance and State Farm place Alta ZIP 95712 very differently.
Tesla Insurance ranks highest (76.9); State Farm ranks lowest (36.4). The middle bodily-injury percentile is 56.3. Reviewed plans are 40.5 points apart. Collision splits more (70.9 points), with Tesla Insurance highest and State Farm lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
56.3
Middle percentile across available plans.
BI plan spread
40.5
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
76.9
Within-plan percentile
Progressive
CA Select PPA
59.2
Within-plan percentile
Safeco
Private Passenger Auto
58.2
Within-plan percentile
Farmers
Farmers Auto
54.3
Within-plan percentile
Travelers
Quantum Auto 2.0
53.4
Within-plan percentile
State Farm
Private Passenger Auto
36.4
Within-plan percentile
Tesla Insurance ranks highest (72.7); State Farm ranks lowest (1.9). Collision spread is 70.9 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 | 56.3 | 40.5 pts | 76.9 | 58.2 | 53.4 | 54.3 | 59.2 | 36.4 |
| Property damage | 30.8 | 20.5 pts | 15.9 | 35.0 | 26.5 | 25.9 | 36.3 | 36.4 |
| Medical payments | 26.6 | 34.4 pts | 23.5 | 35.7 | 21.9 | 29.7 | 41.3 | 6.9 |
| Uninsured motorist BI | 59.2 | 55.0 pts | 75.4 | 20.5 | — | 69.2 | 59.2 | 26.6 |
| Uninsured motorist PD | 43.7 | 54.8 pts | 37.8 | 14.4 | — | 69.2 | 49.6 | — |
| Comprehensive | 61.7 | 64.5 pts | 89.2 | 57.4 | 81.4 | 24.7 | 41.2 | 66.0 |
| Collision | 41.2 | 70.9 pts | 72.7 | 32.8 | 13.5 | 54.7 | 49.6 | 1.9 |
Widest coverage spread
Collision
Tesla Insurance and State Farm are 70.9 percentile points apart.
Closest agreement
Property damage
Available plans are 20.5 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.