Plans disagree · Berkeley, Alameda County · California ZIP 94705
State Farm and Tesla Insurance place Berkeley ZIP 94705 very differently.
State Farm ranks highest (77.5); Tesla Insurance ranks lowest (7.1). The middle bodily-injury percentile is 65.8. Reviewed plans are 70.5 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
65.8
Middle percentile across available plans.
BI plan spread
70.5
State Farm to Tesla Insurance.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Tesla Insurance lowest.
State Farm
Private Passenger Auto
77.5
Within-plan percentile
Farmers
Farmers Auto
67.3
Within-plan percentile
Travelers
Quantum Auto 2.0
65.8
Within-plan percentile
Progressive
CA Select PPA
22.8
Within-plan percentile
Tesla Insurance
Tesla PPA
7.1
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 | 65.8 | 70.5 pts | 7.1 | — | 65.8 | 67.3 | 22.8 | 77.5 |
| Property damage | 84.1 | 19.7 pts | 71.5 | — | 87.3 | 84.1 | 91.2 | 77.5 |
| Medical payments | 47.0 | 44.7 pts | 61.0 | — | 16.3 | 48.6 | 47.0 | 34.5 |
| Uninsured motorist BI | 25.0 | 52.0 pts | 27.5 | — | — | 13.3 | 22.5 | 65.3 |
| Uninsured motorist PD | 27.7 | 31.0 pts | 27.7 | — | — | 13.3 | 44.3 | — |
| Comprehensive | 56.5 | 29.4 pts | 56.5 | — | 60.3 | 63.7 | 49.1 | 34.3 |
| Collision | 44.3 | 42.8 pts | 32.6 | — | 75.4 | 43.8 | 44.3 | 60.4 |
Widest coverage spread
Bodily injury
State Farm and Tesla Insurance are 70.5 percentile points apart.
Closest agreement
Property damage
Available plans are 19.7 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
San Pablo, Contra Costa County
94806
State Farm ranks highest (84.2); Farmers ranks lowest (5.8).
Read breakdownOakland, Alameda County
94601
State Farm ranks highest (90.6); Progressive ranks lowest (12.7).
Read breakdownBerkeley, Alameda County
94709
Progressive ranks highest (85.7); Farmers ranks lowest (9.7).
Read breakdown