Plans disagree · O Neals, Madera County · California ZIP 93645
Tesla Insurance and Progressive place O Neals ZIP 93645 very differently.
Tesla Insurance ranks highest (73.6); Progressive ranks lowest (8.6). The middle bodily-injury percentile is 41.5. Reviewed plans are 65.0 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
41.5
Middle percentile across available plans.
BI plan spread
65.0
Tesla Insurance to Progressive.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, Progressive lowest.
Tesla Insurance
Tesla PPA
73.6
Within-plan percentile
Farmers
Farmers Auto
42.2
Within-plan percentile
Travelers
Quantum Auto 2.0
41.5
Within-plan percentile
State Farm
Private Passenger Auto
35.7
Within-plan percentile
Progressive
CA Select PPA
8.6
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 41.5 | 65.0 pts | 73.6 | — | 41.5 | 42.2 | 8.6 | 35.7 |
| Property damage | 35.7 | 19.6 pts | 45.5 | — | 35.9 | 25.9 | 33.2 | 35.7 |
| Medical payments | 64.0 | 48.4 pts | 73.8 | — | 42.9 | 64.0 | 63.9 | 91.3 |
| Uninsured motorist BI | 25.3 | 44.2 pts | 32.1 | — | — | 52.8 | 8.6 | 18.5 |
| Uninsured motorist PD | 61.4 | 21.5 pts | 61.4 | — | — | 52.8 | 74.3 | — |
| Comprehensive | 62.7 | 38.3 pts | 73.9 | — | 35.6 | 62.5 | 67.1 | 62.7 |
| Collision | 47.9 | 42.5 pts | 47.9 | — | 31.8 | 35.7 | 74.3 | 57.2 |
Widest coverage spread
Bodily injury
Tesla Insurance and Progressive are 65.0 percentile points apart.
Closest agreement
Property damage
Available plans are 19.6 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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