Plans disagree · Oregon House, Yuba County · California ZIP 95962
Farmers and Travelers place Oregon House ZIP 95962 very differently.
Farmers ranks highest (81.3); Travelers ranks lowest (26.1). The middle bodily-injury percentile is 64.3. Reviewed plans are 55.3 points apart. Collision splits more (79.3 points), with Progressive highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
64.3
Middle percentile across available plans.
BI plan spread
55.3
Farmers to Travelers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, Travelers lowest.
Farmers
Farmers Auto
81.3
Within-plan percentile
State Farm
Private Passenger Auto
75.2
Within-plan percentile
Tesla Insurance
Tesla PPA
65.8
Within-plan percentile
Progressive
CA Select PPA
62.9
Within-plan percentile
Safeco
Private Passenger Auto
43.5
Within-plan percentile
Travelers
Quantum Auto 2.0
26.1
Within-plan percentile
Progressive ranks highest (82.7); Tesla Insurance ranks lowest (3.4). Collision spread is 79.3 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 | 64.3 | 55.3 pts | 65.8 | 43.5 | 26.1 | 81.3 | 62.9 | 75.2 |
| Property damage | 41.2 | 57.4 pts | 44.2 | 38.3 | 17.9 | 28.2 | 49.0 | 75.2 |
| Medical payments | 40.4 | 59.8 pts | 36.1 | 73.4 | 37.7 | 43.0 | 13.5 | 72.7 |
| Uninsured motorist BI | 12.1 | 58.4 pts | 9.4 | 5.6 | — | 64.0 | 61.9 | 12.1 |
| Uninsured motorist PD | 42.3 | 65.4 pts | 20.7 | 17.3 | — | 64.0 | 82.7 | — |
| Comprehensive | 72.2 | 58.7 pts | 80.2 | 69.3 | 91.6 | 32.9 | 71.4 | 73.0 |
| Collision | 31.7 | 79.3 pts | 3.4 | 12.3 | 7.5 | 71.0 | 82.7 | 51.1 |
Widest coverage spread
Collision
Progressive and Tesla Insurance are 79.3 percentile points apart.
Closest agreement
Bodily injury
Available plans are 55.3 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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