Broadly higher position · Sacramento · California ZIP 95821
Sacramento ZIP 95821 ranks near the higher end across plans.
Farmers ranks highest (94.3); State Farm ranks lowest (69.6). The middle bodily-injury percentile is 81.7. Reviewed plans are 24.7 points apart. Collision splits more (41.0 points), with State Farm highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
81.7
Middle percentile across available plans.
BI plan spread
24.7
Farmers to State Farm.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, State Farm lowest.
Farmers
Farmers Auto
94.3
Within-plan percentile
Progressive
CA Select PPA
84.1
Within-plan percentile
Travelers
Quantum Auto 2.0
82.4
Within-plan percentile
Safeco
Private Passenger Auto
81.0
Within-plan percentile
Tesla Insurance
Tesla PPA
74.4
Within-plan percentile
State Farm
Private Passenger Auto
69.6
Within-plan percentile
State Farm ranks highest (60.7); Tesla Insurance ranks lowest (19.7). Collision spread is 41.0 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 | 81.7 | 24.7 pts | 74.4 | 81.0 | 82.4 | 94.3 | 84.1 | 69.6 |
| Property damage | 72.3 | 52.8 pts | 75.0 | 76.9 | 79.8 | 27.0 | 57.4 | 69.6 |
| Medical payments | 53.7 | 54.5 pts | 90.0 | 60.6 | 46.8 | 78.7 | 40.5 | 35.5 |
| Uninsured motorist BI | 75.4 | 31.4 pts | 74.2 | 79.2 | — | 75.4 | 85.4 | 53.9 |
| Uninsured motorist PD | 84.2 | 69.0 pts | 93.0 | 93.6 | — | 75.4 | 24.6 | — |
| Comprehensive | 37.1 | 73.8 pts | 80.2 | 61.3 | 72.0 | 9.1 | 6.4 | 12.9 |
| Collision | 36.6 | 41.0 pts | 19.7 | 42.2 | 50.0 | 31.0 | 24.6 | 60.7 |
Widest coverage spread
Comprehensive
Tesla Insurance and Progressive are 73.8 percentile points apart.
Closest agreement
Bodily injury
Available plans are 24.7 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.
Nearby compared ZIPs
Sacramento
95826
Farmers ranks highest (91.8); Progressive ranks lowest (13.3).
Read breakdownGold River, Sacramento County
95670
Farmers ranks highest (88.1); Progressive ranks lowest (21.1).
Read breakdownRancho Cordova, Sacramento County
95742
Tesla Insurance ranks highest (82.6); Farmers ranks lowest (18.4).
Read breakdown