Plans disagree · Fort Bidwell, Modoc County · California ZIP 96112
Tesla Insurance and Travelers place Fort Bidwell ZIP 96112 very differently.
Tesla Insurance ranks highest (46.1); Travelers ranks lowest (2.4). The middle bodily-injury percentile is 20.3. Reviewed plans are 43.7 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
20.3
Middle percentile across available plans.
BI plan spread
43.7
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
46.1
Within-plan percentile
Farmers
Farmers Auto
41.1
Within-plan percentile
Safeco
Private Passenger Auto
30.0
Within-plan percentile
State Farm
Private Passenger Auto
10.6
Within-plan percentile
Progressive
CA Select PPA
3.5
Within-plan percentile
Travelers
Quantum Auto 2.0
2.4
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 20.3 | 43.7 pts | 46.1 | 30.0 | 2.4 | 41.1 | 3.5 | 10.6 |
| Property damage | 6.6 | 9.0 pts | 5.6 | 2.3 | 1.7 | 10.5 | 7.6 | 10.6 |
| Medical payments | 16.5 | 19.9 pts | 30.2 | 12.8 | 16.3 | 16.6 | 22.8 | 10.3 |
| Uninsured motorist BI | 15.2 | 32.3 pts | 15.2 | 8.0 | — | 36.1 | 3.8 | 32.4 |
| Uninsured motorist PD | 21.1 | 69.4 pts | 4.0 | 6.0 | — | 36.1 | 73.4 | — |
| Comprehensive | 91.4 | 18.6 pts | 89.2 | 94.9 | 89.1 | 76.8 | 95.4 | 93.5 |
| Collision | 49.3 | 48.5 pts | 72.7 | 50.9 | 35.0 | 24.9 | 73.4 | 47.6 |
Widest coverage spread
Uninsured motorist PD
Progressive and Tesla Insurance are 69.4 percentile points apart.
Closest agreement
Property damage
Available plans are 9.0 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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