Plans disagree · Grass Valley, Nevada County · California ZIP 95945
Progressive and Farmers place Grass Valley ZIP 95945 very differently.
Progressive ranks highest (72.2); Farmers ranks lowest (14.0). The middle bodily-injury percentile is 40.5. Reviewed plans are 58.1 points apart. Collision splits more (77.1 points), with Tesla Insurance highest and State Farm lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
40.5
Middle percentile across available plans.
BI plan spread
58.1
Progressive to Farmers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, Farmers lowest.
Progressive
CA Select PPA
72.2
Within-plan percentile
Tesla Insurance
Tesla PPA
46.1
Within-plan percentile
Travelers
Quantum Auto 2.0
41.5
Within-plan percentile
Safeco
Private Passenger Auto
39.5
Within-plan percentile
State Farm
Private Passenger Auto
36.4
Within-plan percentile
Farmers
Farmers Auto
14.0
Within-plan percentile
Tesla Insurance ranks highest (79.0); State Farm ranks lowest (1.9). 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 | 40.5 | 58.1 pts | 46.1 | 39.5 | 41.5 | 14.0 | 72.2 | 36.4 |
| Property damage | 30.3 | 30.9 pts | 37.0 | 24.3 | 17.9 | 14.1 | 45.0 | 36.4 |
| Medical payments | 21.2 | 53.0 pts | 20.4 | 22.5 | 21.9 | 4.2 | 57.2 | 6.9 |
| Uninsured motorist BI | 26.6 | 60.2 pts | 47.4 | 24.9 | — | 11.8 | 72.0 | 26.6 |
| Uninsured motorist PD | 11.8 | 6.7 pts | 11.9 | 15.8 | — | 11.8 | 9.1 | — |
| Comprehensive | 63.6 | 74.1 pts | 90.9 | 61.3 | 81.4 | 16.8 | 33.1 | 66.0 |
| Collision | 7.5 | 77.1 pts | 79.0 | 8.8 | 4.6 | 6.2 | 9.1 | 1.9 |
Widest coverage spread
Collision
Tesla Insurance and State Farm are 77.1 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 6.7 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.
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