Compared ZIP · Aptos, Santa Cruz County · California ZIP 95003
In Aptos ZIP 95003, Progressive ranks highest and State Farm ranks lowest.
Progressive ranks highest (34.1); State Farm ranks lowest (3.5). The middle bodily-injury percentile is 5.3. Reviewed plans are 30.6 points apart. Collision splits more (62.6 points), with Tesla Insurance highest and State Farm lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
5.3
Middle percentile across available plans.
BI plan spread
30.6
Progressive to State Farm.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, State Farm lowest.
Progressive
CA Select PPA
34.1
Within-plan percentile
Travelers
Quantum Auto 2.0
20.8
Within-plan percentile
Tesla Insurance
Tesla PPA
5.3
Within-plan percentile
Farmers
Farmers Auto
3.8
Within-plan percentile
State Farm
Private Passenger Auto
3.5
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Tesla Insurance ranks highest (64.0); State Farm ranks lowest (1.4). Collision spread is 62.6 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 | 5.3 | 30.6 pts | 5.3 | — | 20.8 | 3.8 | 34.1 | 3.5 |
| Property damage | 42.1 | 48.6 pts | 48.8 | — | 42.1 | 22.3 | 52.1 | 3.5 |
| Medical payments | 37.4 | 40.7 pts | 49.9 | — | 42.9 | 9.2 | 37.4 | 16.5 |
| Uninsured motorist BI | 16.7 | 25.2 pts | 16.3 | — | — | 8.8 | 34.1 | 17.2 |
| Uninsured motorist PD | 8.8 | 9.3 pts | 15.1 | — | — | 8.8 | 5.8 | — |
| Comprehensive | 21.6 | 68.2 pts | 72.0 | — | 21.6 | 3.8 | 35.3 | 12.9 |
| Collision | 5.8 | 62.6 pts | 64.0 | — | 26.6 | 3.8 | 5.8 | 1.4 |
Widest coverage spread
Comprehensive
Tesla Insurance and Farmers are 68.2 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 9.3 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
Brookdale, Santa Cruz County
95007
Tesla Insurance ranks highest (91.5); State Farm ranks lowest (9.0).
Read breakdownPrunedale, Monterey County
93907
Tesla Insurance ranks highest (91.1); Travelers ranks lowest (12.2).
Read breakdownSan Jose, Santa Clara County
95123
Tesla Insurance ranks highest (90.3); Progressive ranks lowest (13.3).
Read breakdown