Plans disagree · Homewood, Placer County · California ZIP 96141
Farmers and Safeco place Homewood ZIP 96141 very differently.
Farmers ranks highest (61.1); Safeco ranks lowest (18.2). The middle bodily-injury percentile is 24.9. Reviewed plans are 42.9 points apart. Collision splits more (67.5 points), with Tesla Insurance highest and Safeco lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
24.9
Middle percentile across available plans.
BI plan spread
42.9
Farmers to Safeco.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, Safeco lowest.
Farmers
Farmers Auto
61.1
Within-plan percentile
Progressive
CA Select PPA
34.1
Within-plan percentile
Tesla Insurance
Tesla PPA
29.5
Within-plan percentile
State Farm
Private Passenger Auto
20.4
Within-plan percentile
Travelers
Quantum Auto 2.0
19.3
Within-plan percentile
Safeco
Private Passenger Auto
18.2
Within-plan percentile
Tesla Insurance ranks highest (72.7); Safeco ranks lowest (5.2). Collision spread is 67.5 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 | 24.9 | 42.9 pts | 29.5 | 18.2 | 19.3 | 61.1 | 34.1 | 20.4 |
| Property damage | 48.0 | 60.8 pts | 60.1 | 81.1 | 35.9 | 60.7 | 30.9 | 20.4 |
| Medical payments | 35.9 | 58.4 pts | 30.2 | 41.7 | 30.2 | 24.6 | 83.0 | 59.0 |
| Uninsured motorist BI | 43.2 | 14.3 pts | 45.4 | 32.6 | — | 46.9 | 34.1 | 43.2 |
| Uninsured motorist PD | 32.1 | 36.0 pts | 28.3 | 36.0 | — | 46.9 | 10.9 | — |
| Comprehensive | 50.4 | 58.7 pts | 85.8 | 69.3 | 47.4 | 27.1 | 32.5 | 53.4 |
| Collision | 27.2 | 67.5 pts | 72.7 | 5.2 | 21.5 | 32.9 | 10.9 | 39.4 |
Widest coverage spread
Collision
Tesla Insurance and Safeco are 67.5 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 14.3 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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