Plans disagree · Oakland, Alameda County · California ZIP 94603
State Farm and Progressive place Oakland ZIP 94603 very differently.
State Farm ranks highest (84.2); Progressive ranks lowest (15.2). The middle bodily-injury percentile is 58.1. Reviewed plans are 69.0 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
58.1
Middle percentile across available plans.
BI plan spread
69.0
State Farm to Progressive.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Progressive lowest.
State Farm
Private Passenger Auto
84.2
Within-plan percentile
Tesla Insurance
Tesla PPA
77.9
Within-plan percentile
Travelers
Quantum Auto 2.0
58.1
Within-plan percentile
Farmers
Farmers Auto
33.7
Within-plan percentile
Progressive
CA Select PPA
15.2
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 | 58.1 | 69.0 pts | 77.9 | — | 58.1 | 33.7 | 15.2 | 84.2 |
| Property damage | 79.8 | 42.3 pts | 74.1 | — | 79.8 | 93.6 | 51.2 | 84.2 |
| Medical payments | 84.8 | 14.0 pts | 84.8 | — | 82.2 | 83.5 | 96.3 | 92.4 |
| Uninsured motorist BI | 40.4 | 65.3 pts | 81.2 | — | — | 50.3 | 15.9 | 30.5 |
| Uninsured motorist PD | 96.5 | 47.9 pts | 98.2 | — | — | 50.3 | 96.5 | — |
| Comprehensive | 98.8 | 2.7 pts | 98.5 | — | 97.1 | 99.8 | 99.2 | 98.8 |
| Collision | 94.8 | 12.7 pts | 83.8 | — | 94.8 | 90.4 | 96.5 | 96.3 |
Widest coverage spread
Bodily injury
State Farm and Progressive are 69.0 percentile points apart.
Closest agreement
Comprehensive
Available plans are 2.7 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.
Nearby compared ZIPs
Oakland, Alameda County
94601
State Farm ranks highest (90.6); Progressive ranks lowest (12.7).
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State Farm ranks highest (78.9); Farmers ranks lowest (1.9).
Read breakdownBerkeley, Alameda County
94709
Progressive ranks highest (85.7); Farmers ranks lowest (9.7).
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