Plans disagree · Sacramento · California ZIP 95818
Farmers and Safeco place Sacramento ZIP 95818 very differently.
Farmers ranks highest (84.3); Safeco ranks lowest (42.8). The middle bodily-injury percentile is 75.5. Reviewed plans are 41.5 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
75.5
Middle percentile across available plans.
BI plan spread
41.5
Farmers to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, Safeco lowest.
Farmers
Farmers Auto
84.3
Within-plan percentile
Travelers
Quantum Auto 2.0
82.4
Within-plan percentile
Progressive
CA Select PPA
77.4
Within-plan percentile
Tesla Insurance
Tesla PPA
73.6
Within-plan percentile
State Farm
Private Passenger Auto
46.2
Within-plan percentile
Safeco
Private Passenger Auto
42.8
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 75.5 | 41.5 pts | 73.6 | 42.8 | 82.4 | 84.3 | 77.4 | 46.2 |
| Property damage | 65.1 | 43.8 pts | 67.1 | 63.2 | 69.7 | 38.6 | 82.4 | 46.2 |
| Medical payments | 50.4 | 70.2 pts | 24.5 | 45.8 | 11.1 | 55.0 | 81.3 | 63.5 |
| Uninsured motorist BI | 61.7 | 25.4 pts | 61.7 | 52.8 | — | 76.3 | 78.2 | 56.5 |
| Uninsured motorist PD | 77.9 | 60.4 pts | 79.5 | 82.1 | — | 76.3 | 21.7 | — |
| Comprehensive | 42.0 | 85.0 pts | 94.2 | 61.3 | 72.0 | 22.7 | 9.2 | 21.3 |
| Collision | 25.6 | 47.8 pts | 50.4 | 9.3 | 57.1 | 29.5 | 21.7 | 17.3 |
Widest coverage spread
Comprehensive
Tesla Insurance and Progressive are 85.0 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 25.4 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.