Plans disagree · Kings Beach, Placer County · California ZIP 96143
Progressive and Travelers place Kings Beach ZIP 96143 very differently.
Progressive ranks highest (72.2); Travelers ranks lowest (16.1). The middle bodily-injury percentile is 42.7. Reviewed plans are 56.1 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
42.7
Middle percentile across available plans.
BI plan spread
56.1
Progressive to Travelers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, Travelers lowest.
Progressive
CA Select PPA
72.2
Within-plan percentile
Tesla Insurance
Tesla PPA
69.1
Within-plan percentile
State Farm
Private Passenger Auto
55.4
Within-plan percentile
Safeco
Private Passenger Auto
30.0
Within-plan percentile
Farmers
Farmers Auto
20.5
Within-plan percentile
Travelers
Quantum Auto 2.0
16.1
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 42.7 | 56.1 pts | 69.1 | 30.0 | 16.1 | 20.5 | 72.2 | 55.4 |
| Property damage | 57.8 | 50.4 pts | 60.1 | 37.7 | 35.9 | 67.5 | 86.4 | 55.4 |
| Medical payments | 56.1 | 83.5 pts | 5.5 | 84.0 | 8.4 | 36.8 | 89.0 | 75.3 |
| Uninsured motorist BI | 31.5 | 46.8 pts | 41.8 | 31.1 | — | 31.5 | 72.0 | 25.2 |
| Uninsured motorist PD | 30.2 | 31.1 pts | 25.0 | 28.9 | — | 31.5 | 56.1 | — |
| Comprehensive | 55.2 | 45.2 pts | 67.6 | 78.0 | 35.6 | 42.2 | 42.8 | 80.8 |
| Collision | 44.9 | 48.2 pts | 22.0 | 44.5 | 45.3 | 40.1 | 56.1 | 70.2 |
Widest coverage spread
Medical payments
Progressive and Tesla Insurance are 83.5 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 31.1 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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