Plans disagree · Sacramento · California ZIP 95864
Farmers and State Farm place Sacramento ZIP 95864 very differently.
Farmers ranks highest (88.5); State Farm ranks lowest (46.2). The middle bodily-injury percentile is 69.1. Reviewed plans are 42.3 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
69.1
Middle percentile across available plans.
BI plan spread
42.3
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
88.5
Within-plan percentile
Progressive
CA Select PPA
83.0
Within-plan percentile
Travelers
Quantum Auto 2.0
78.9
Within-plan percentile
Tesla Insurance
Tesla PPA
59.3
Within-plan percentile
Safeco
Private Passenger Auto
57.7
Within-plan percentile
State Farm
Private Passenger Auto
46.2
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 69.1 | 42.3 pts | 59.3 | 57.7 | 78.9 | 88.5 | 83.0 | 46.2 |
| Property damage | 76.3 | 48.3 pts | 68.4 | 77.6 | 75.1 | 80.4 | 94.5 | 46.2 |
| Medical payments | 29.6 | 60.2 pts | 80.1 | 20.0 | 30.2 | 30.9 | 29.1 | 21.6 |
| Uninsured motorist BI | 73.1 | 26.0 pts | 68.2 | 73.1 | — | 92.8 | 83.2 | 66.9 |
| Uninsured motorist PD | 69.2 | 56.8 pts | 68.4 | 70.0 | — | 92.8 | 36.0 | — |
| Comprehensive | 30.4 | 77.6 pts | 80.2 | 54.7 | 72.0 | 5.9 | 2.6 | 6.1 |
| Collision | 42.2 | 19.8 pts | 50.4 | 30.7 | 50.0 | 48.4 | 36.0 | 34.8 |
Widest coverage spread
Comprehensive
Tesla Insurance and Progressive are 77.6 percentile points apart.
Closest agreement
Collision
Available plans are 19.8 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