Compared ZIP · Hat Creek, Shasta County · California ZIP 96040
In Hat Creek ZIP 96040, Tesla Insurance ranks highest and Travelers ranks lowest.
Tesla Insurance ranks highest (36.9); Travelers ranks lowest (1.2). The middle bodily-injury percentile is 17.2. Reviewed plans are 35.7 points apart. Collision splits more (50.5 points), with Safeco highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
17.2
Middle percentile across available plans.
BI plan spread
35.7
Tesla Insurance to Travelers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, Travelers lowest.
Tesla Insurance
Tesla PPA
36.9
Within-plan percentile
Farmers
Farmers Auto
21.8
Within-plan percentile
Safeco
Private Passenger Auto
21.1
Within-plan percentile
State Farm
Private Passenger Auto
13.3
Within-plan percentile
Progressive
CA Select PPA
11.6
Within-plan percentile
Travelers
Quantum Auto 2.0
1.2
Within-plan percentile
Safeco ranks highest (62.2); Tesla Insurance ranks lowest (11.8). Collision spread is 50.5 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 | 17.2 | 35.7 pts | 36.9 | 21.1 | 1.2 | 21.8 | 11.6 | 13.3 |
| Property damage | 9.9 | 18.3 pts | 19.2 | 11.5 | 0.9 | 6.5 | 8.3 | 13.3 |
| Medical payments | 28.6 | 36.1 pts | 35.4 | 6.8 | 42.9 | 33.3 | 8.0 | 23.8 |
| Uninsured motorist BI | 12.2 | 51.0 pts | 8.5 | 5.2 | — | 56.2 | 12.2 | 17.2 |
| Uninsured motorist PD | 10.6 | 55.2 pts | 1.8 | 1.0 | — | 56.2 | 19.5 | — |
| Comprehensive | 80.1 | 37.4 pts | 80.2 | 54.7 | 84.8 | 56.8 | 92.1 | 79.9 |
| Collision | 31.3 | 50.5 pts | 11.8 | 62.2 | 57.1 | 43.2 | 19.5 | 19.4 |
Widest coverage spread
Uninsured motorist PD
Farmers and Safeco are 55.2 percentile points apart.
Closest agreement
Property damage
Available plans are 18.3 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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