Broadly higher position · Sacramento · California ZIP 95823
Sacramento ZIP 95823 ranks near the higher end across plans.
Travelers ranks highest (85.0); Farmers ranks lowest (67.8). The middle bodily-injury percentile is 81.2. Reviewed plans are 17.3 points apart. Collision splits more (64.3 points), with Travelers highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
81.2
Middle percentile across available plans.
BI plan spread
17.3
Travelers to Farmers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Farmers lowest.
Travelers
Quantum Auto 2.0
85.0
Within-plan percentile
State Farm
Private Passenger Auto
84.9
Within-plan percentile
Progressive
CA Select PPA
81.9
Within-plan percentile
Safeco
Private Passenger Auto
80.4
Within-plan percentile
Tesla Insurance
Tesla PPA
75.8
Within-plan percentile
Farmers
Farmers Auto
67.8
Within-plan percentile
Travelers ranks highest (91.0); Tesla Insurance ranks lowest (26.7). Collision spread is 64.3 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 | 81.2 | 17.3 pts | 75.8 | 80.4 | 85.0 | 67.8 | 81.9 | 84.9 |
| Property damage | 69.9 | 49.2 pts | 67.4 | 72.8 | 72.5 | 36.1 | 35.7 | 84.9 |
| Medical payments | 94.2 | 4.4 pts | 94.9 | 95.2 | 90.8 | 93.0 | 94.1 | 94.4 |
| Uninsured motorist BI | 81.2 | 71.5 pts | 81.2 | 94.2 | — | 71.1 | 82.4 | 22.7 |
| Uninsured motorist PD | 83.0 | 58.2 pts | 95.0 | 97.2 | — | 71.1 | 38.9 | — |
| Comprehensive | 88.8 | 25.2 pts | 85.8 | 90.4 | 97.1 | 88.4 | 71.9 | 89.1 |
| Collision | 77.6 | 64.3 pts | 26.7 | 80.0 | 91.0 | 75.1 | 38.9 | 88.8 |
Widest coverage spread
Uninsured motorist BI
Safeco and State Farm are 71.5 percentile points apart.
Closest agreement
Medical payments
Available plans are 4.4 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.
Nearby compared ZIPs
Sacramento
95826
Farmers ranks highest (91.8); Progressive ranks lowest (13.3).
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95670
Farmers ranks highest (88.1); Progressive ranks lowest (21.1).
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95615
Tesla Insurance ranks highest (77.4); Progressive ranks lowest (12.7).
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