Plans disagree · Bangor, Butte County · California ZIP 95914
Tesla Insurance and State Farm place Bangor ZIP 95914 very differently.
Tesla Insurance ranks highest (88.0); State Farm ranks lowest (42.9). The middle bodily-injury percentile is 51.1. Reviewed plans are 45.0 points apart. Collision splits more (77.1 points), with Tesla Insurance highest and Travelers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
51.1
Middle percentile across available plans.
BI plan spread
45.0
Tesla Insurance to State Farm.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, State Farm lowest.
Tesla Insurance
Tesla PPA
88.0
Within-plan percentile
Safeco
Private Passenger Auto
84.6
Within-plan percentile
Progressive
CA Select PPA
51.7
Within-plan percentile
Travelers
Quantum Auto 2.0
50.4
Within-plan percentile
Farmers
Farmers Auto
45.7
Within-plan percentile
State Farm
Private Passenger Auto
42.9
Within-plan percentile
Tesla Insurance ranks highest (84.7); Travelers ranks lowest (7.5). Collision spread is 77.1 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 | 51.1 | 45.0 pts | 88.0 | 84.6 | 50.4 | 45.7 | 51.7 | 42.9 |
| Property damage | 14.0 | 39.9 pts | 8.3 | 16.6 | 15.3 | 3.1 | 12.7 | 42.9 |
| Medical payments | 57.8 | 47.5 pts | 44.8 | 75.3 | 54.4 | 61.2 | 27.8 | 70.8 |
| Uninsured motorist BI | 24.3 | 40.2 pts | 24.3 | 19.7 | — | 44.9 | 51.7 | 11.5 |
| Uninsured motorist PD | 30.4 | 26.2 pts | 22.4 | 18.7 | — | 44.9 | 38.5 | — |
| Comprehensive | 76.0 | 55.3 pts | 85.8 | 75.6 | 72.0 | 35.2 | 90.6 | 76.4 |
| Collision | 43.6 | 77.1 pts | 84.7 | 48.7 | 7.5 | 24.9 | 38.5 | 58.4 |
Widest coverage spread
Collision
Tesla Insurance and Travelers are 77.1 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 26.2 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.
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