Broadly higher position · Sacramento · California ZIP 95822
Sacramento ZIP 95822 ranks near the higher end across plans.
Travelers ranks highest (82.4); Tesla Insurance ranks lowest (60.3). The middle bodily-injury percentile is 70.9. Reviewed plans are 22.1 points apart. Collision splits more (76.0 points), with Travelers highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
70.9
Middle percentile across available plans.
BI plan spread
22.1
Travelers to Tesla Insurance.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Tesla Insurance lowest.
Travelers
Quantum Auto 2.0
82.4
Within-plan percentile
Farmers
Farmers Auto
81.9
Within-plan percentile
Safeco
Private Passenger Auto
74.0
Within-plan percentile
State Farm
Private Passenger Auto
67.8
Within-plan percentile
Progressive
CA Select PPA
62.3
Within-plan percentile
Tesla Insurance
Tesla PPA
60.3
Within-plan percentile
Travelers ranks highest (82.8); Tesla Insurance ranks lowest (6.8). Collision spread is 76.0 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 | 70.9 | 22.1 pts | 60.3 | 74.0 | 82.4 | 81.9 | 62.3 | 67.8 |
| Property damage | 64.3 | 39.2 pts | 62.2 | 57.3 | 66.4 | 82.7 | 43.6 | 67.8 |
| Medical payments | 88.4 | 32.6 pts | 94.9 | 84.1 | 62.3 | 87.3 | 92.9 | 89.6 |
| Uninsured motorist BI | 79.3 | 23.6 pts | 79.3 | 86.6 | — | 78.1 | 63.0 | 79.6 |
| Uninsured motorist PD | 79.2 | 35.9 pts | 80.3 | 86.1 | — | 78.1 | 50.2 | — |
| Comprehensive | 54.3 | 57.0 pts | 80.2 | 69.3 | 77.1 | 27.1 | 23.2 | 39.3 |
| Collision | 42.5 | 76.0 pts | 6.8 | 37.6 | 82.8 | 39.3 | 50.2 | 45.8 |
Widest coverage spread
Collision
Travelers and Tesla Insurance are 76.0 percentile points apart.
Closest agreement
Bodily injury
Available plans are 22.1 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.