Plans disagree · Emigrant Gap, Placer County · California ZIP 95715
Safeco and State Farm place Emigrant Gap ZIP 95715 very differently.
Safeco ranks highest (67.0); State Farm ranks lowest (22.1). The middle bodily-injury percentile is 36.4. Reviewed plans are 44.9 points apart. Collision splits more (71.2 points), with Safeco highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
36.4
Middle percentile across available plans.
BI plan spread
44.9
Safeco to State Farm.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Safeco highest, State Farm lowest.
Safeco
Private Passenger Auto
67.0
Within-plan percentile
Farmers
Farmers Auto
63.2
Within-plan percentile
Progressive
CA Select PPA
42.7
Within-plan percentile
Travelers
Quantum Auto 2.0
30.0
Within-plan percentile
Tesla Insurance
Tesla PPA
29.5
Within-plan percentile
State Farm
Private Passenger Auto
22.1
Within-plan percentile
Safeco ranks highest (77.0); Tesla Insurance ranks lowest (5.8). Collision spread is 71.2 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 | 36.4 | 44.9 pts | 29.5 | 67.0 | 30.0 | 63.2 | 42.7 | 22.1 |
| Property damage | 36.7 | 31.9 pts | 30.0 | 43.5 | 20.2 | 47.9 | 52.1 | 22.1 |
| Medical payments | 45.5 | 26.7 pts | 42.0 | 48.6 | 21.9 | 43.0 | 48.7 | 48.0 |
| Uninsured motorist BI | 48.8 | 32.9 pts | 49.1 | 31.1 | — | 64.0 | 42.7 | 48.8 |
| Uninsured motorist PD | 34.9 | 55.5 pts | 8.5 | 31.4 | — | 64.0 | 38.5 | — |
| Comprehensive | 78.3 | 54.9 pts | 80.2 | 61.3 | 81.4 | 29.6 | 84.4 | 76.4 |
| Collision | 52.8 | 71.2 pts | 5.8 | 77.0 | 50.0 | 55.5 | 38.5 | 73.8 |
Widest coverage spread
Collision
Safeco and Tesla Insurance are 71.2 percentile points apart.
Closest agreement
Medical payments
Available plans are 26.7 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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