Plans disagree · Brookdale, Santa Cruz County · California ZIP 95007
Tesla Insurance and State Farm place Brookdale ZIP 95007 very differently.
Tesla Insurance ranks highest (91.5); State Farm ranks lowest (9.0). The middle bodily-injury percentile is 33.3. Reviewed plans are 82.5 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
33.3
Middle percentile across available plans.
BI plan spread
82.5
Tesla Insurance to State Farm.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, State Farm lowest.
Tesla Insurance
Tesla PPA
91.5
Within-plan percentile
Progressive
CA Select PPA
51.7
Within-plan percentile
Travelers
Quantum Auto 2.0
33.3
Within-plan percentile
Farmers
Farmers Auto
23.2
Within-plan percentile
State Farm
Private Passenger Auto
9.0
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 | 33.3 | 82.5 pts | 91.5 | — | 33.3 | 23.2 | 51.7 | 9.0 |
| Property damage | 62.6 | 85.1 pts | 94.1 | — | 62.6 | 59.8 | 88.9 | 9.0 |
| Medical payments | 74.4 | 49.7 pts | 77.8 | — | 30.2 | 79.5 | 74.4 | 29.9 |
| Uninsured motorist BI | 48.7 | 31.8 pts | 26.9 | — | — | 45.7 | 51.7 | 58.7 |
| Uninsured motorist PD | 45.7 | 62.8 pts | 14.6 | — | — | 45.7 | 77.4 | — |
| Comprehensive | 48.9 | 24.1 pts | 48.9 | — | 28.1 | 37.1 | 49.1 | 52.2 |
| Collision | 50.1 | 62.1 pts | 15.3 | — | 57.1 | 50.1 | 77.4 | 18.2 |
Widest coverage spread
Property damage
Tesla Insurance and State Farm are 85.1 percentile points apart.
Closest agreement
Comprehensive
Available plans are 24.1 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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