Compared ZIP · Smartville, Nevada County · California ZIP 95977
In Smartville ZIP 95977, Tesla Insurance ranks highest and Farmers ranks lowest.
Tesla Insurance ranks highest (61.6); Farmers ranks lowest (36.8). The middle bodily-injury percentile is 44.2. Reviewed plans are 24.8 points apart. Collision splits more (63.8 points), with Tesla Insurance highest and Travelers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
44.2
Middle percentile across available plans.
BI plan spread
24.8
Tesla Insurance to Farmers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, Farmers lowest.
Tesla Insurance
Tesla PPA
61.6
Within-plan percentile
Progressive
CA Select PPA
48.1
Within-plan percentile
Safeco
Private Passenger Auto
47.0
Within-plan percentile
Travelers
Quantum Auto 2.0
41.5
Within-plan percentile
State Farm
Private Passenger Auto
40.3
Within-plan percentile
Farmers
Farmers Auto
36.8
Within-plan percentile
Tesla Insurance ranks highest (72.7); Travelers ranks lowest (8.9). Collision spread is 63.8 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 | 44.2 | 24.8 pts | 61.6 | 47.0 | 41.5 | 36.8 | 48.1 | 40.3 |
| Property damage | 20.7 | 54.2 pts | 10.7 | 19.4 | 22.1 | 64.9 | 13.5 | 40.3 |
| Medical payments | 49.9 | 35.9 pts | 68.6 | 54.4 | 46.8 | 49.9 | 32.6 | 50.0 |
| Uninsured motorist BI | 23.5 | 48.9 pts | 15.6 | 15.1 | — | 64.0 | 47.9 | 23.5 |
| Uninsured motorist PD | 38.5 | 32.6 pts | 39.2 | 31.4 | — | 64.0 | 37.8 | — |
| Comprehensive | 75.1 | 78.0 pts | 80.2 | 50.8 | 77.1 | 4.8 | 82.8 | 73.0 |
| Collision | 50.8 | 63.8 pts | 72.7 | 64.0 | 8.9 | 53.9 | 37.8 | 47.6 |
Widest coverage spread
Comprehensive
Progressive and Farmers are 78.0 percentile points apart.
Closest agreement
Bodily injury
Available plans are 24.8 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.
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