Plans disagree · Sacramento · California ZIP 95816
Progressive and Safeco place Sacramento ZIP 95816 very differently.
Progressive ranks highest (83.8); Safeco ranks lowest (37.1). The middle bodily-injury percentile is 69.8. Reviewed plans are 46.7 points apart. Collision splits more (59.6 points), with Farmers highest and Safeco lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
69.8
Middle percentile across available plans.
BI plan spread
46.7
Progressive to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, Safeco lowest.
Progressive
CA Select PPA
83.8
Within-plan percentile
Travelers
Quantum Auto 2.0
82.4
Within-plan percentile
Farmers
Farmers Auto
77.8
Within-plan percentile
State Farm
Private Passenger Auto
61.8
Within-plan percentile
Tesla Insurance
Tesla PPA
54.2
Within-plan percentile
Safeco
Private Passenger Auto
37.1
Within-plan percentile
Farmers ranks highest (71.9); Safeco ranks lowest (12.3). Collision spread is 59.6 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 | 69.8 | 46.7 pts | 54.2 | 37.1 | 82.4 | 77.8 | 83.8 | 61.8 |
| Property damage | 62.8 | 7.7 pts | 62.5 | 63.8 | 66.4 | 58.7 | 63.1 | 61.8 |
| Medical payments | 66.1 | 67.1 pts | 80.6 | 63.9 | 30.2 | 68.4 | 13.5 | 79.4 |
| Uninsured motorist BI | 78.2 | 36.6 pts | 73.9 | 78.2 | — | 96.9 | 84.4 | 60.3 |
| Uninsured motorist PD | 81.6 | 49.6 pts | 78.3 | 84.8 | — | 96.9 | 47.3 | — |
| Comprehensive | 54.2 | 77.2 pts | 85.8 | 57.4 | 89.1 | 51.1 | 11.9 | 50.5 |
| Collision | 60.2 | 59.6 pts | 63.5 | 12.3 | 57.1 | 71.9 | 47.3 | 63.4 |
Widest coverage spread
Comprehensive
Travelers and Progressive are 77.2 percentile points apart.
Closest agreement
Property damage
Available plans are 7.7 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.