Broadly lower position · Palo Alto, Santa Clara County · California ZIP 94304
Palo Alto ZIP 94304 ranks near the lower end across plans.
Travelers ranks highest (23.2); Tesla Insurance ranks lowest (0.7). The middle bodily-injury percentile is 16.3. Reviewed plans are 22.4 points apart. Collision splits more (58.7 points), with Farmers highest and Safeco lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
16.3
Middle percentile across available plans.
BI plan spread
22.4
Travelers to Tesla Insurance.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, Tesla Insurance lowest.
Travelers
Quantum Auto 2.0
23.2
Within-plan percentile
State Farm
Private Passenger Auto
22.1
Within-plan percentile
Farmers
Farmers Auto
16.7
Within-plan percentile
Progressive
CA Select PPA
15.8
Within-plan percentile
Safeco
Private Passenger Auto
1.9
Within-plan percentile
Tesla Insurance
Tesla PPA
0.7
Within-plan percentile
Farmers ranks highest (71.0); Safeco ranks lowest (12.3). Collision spread is 58.7 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 | 16.3 | 22.4 pts | 0.7 | 1.9 | 23.2 | 16.7 | 15.8 | 22.1 |
| Property damage | 53.1 | 45.8 pts | 56.8 | 67.8 | 66.4 | 27.6 | 49.5 | 22.1 |
| Medical payments | 1.6 | 3.4 pts | 2.2 | 0.1 | 1.5 | 0.8 | 3.5 | 1.7 |
| Uninsured motorist BI | 11.1 | 27.0 pts | 11.1 | 11.1 | — | 2.0 | 15.5 | 29.0 |
| Uninsured motorist PD | 25.7 | 59.8 pts | 25.9 | 25.6 | — | 2.0 | 61.8 | — |
| Comprehensive | 10.7 | 38.6 pts | 9.0 | 5.9 | 4.1 | 12.3 | 38.1 | 42.7 |
| Collision | 47.9 | 58.7 pts | 34.1 | 12.3 | 15.2 | 71.0 | 61.8 | 65.4 |
Widest coverage spread
Uninsured motorist PD
Progressive and Farmers are 59.8 percentile points apart.
Closest agreement
Medical payments
Available plans are 3.4 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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