Plans disagree · Gerber, Tehama County · California ZIP 96035
Safeco and Progressive place Gerber ZIP 96035 very differently.
Safeco ranks highest (69.2); Progressive ranks lowest (21.8). The middle bodily-injury percentile is 36.1. Reviewed plans are 47.4 points apart. Collision splits more (72.4 points), with Tesla Insurance highest and Travelers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
36.1
Middle percentile across available plans.
BI plan spread
47.4
Safeco to Progressive.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Safeco highest, Progressive lowest.
Safeco
Private Passenger Auto
69.2
Within-plan percentile
Tesla Insurance
Tesla PPA
69.1
Within-plan percentile
Farmers
Farmers Auto
40.0
Within-plan percentile
State Farm
Private Passenger Auto
32.2
Within-plan percentile
Travelers
Quantum Auto 2.0
30.0
Within-plan percentile
Progressive
CA Select PPA
21.8
Within-plan percentile
Tesla Insurance ranks highest (72.7); Travelers ranks lowest (0.4). Collision spread is 72.4 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 | 36.1 | 47.4 pts | 69.1 | 69.2 | 30.0 | 40.0 | 21.8 | 32.2 |
| Property damage | 13.1 | 28.2 pts | 10.7 | 15.6 | 4.5 | 28.8 | 4.1 | 32.2 |
| Medical payments | 47.4 | 63.7 pts | 13.4 | 44.5 | 77.1 | 46.8 | 56.4 | 48.0 |
| Uninsured motorist BI | 36.3 | 34.6 pts | 36.3 | 26.9 | — | 56.2 | 21.7 | 48.8 |
| Uninsured motorist PD | 14.7 | 53.3 pts | 6.6 | 3.0 | — | 56.2 | 22.7 | — |
| Comprehensive | 54.4 | 63.7 pts | 64.8 | 50.8 | 72.0 | 8.3 | 36.2 | 57.9 |
| Collision | 23.0 | 72.4 pts | 72.7 | 16.0 | 0.4 | 23.6 | 22.7 | 23.2 |
Widest coverage spread
Collision
Tesla Insurance and Travelers are 72.4 percentile points apart.
Closest agreement
Property damage
Available plans are 28.2 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.
Nearby compared ZIPs
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