Plans disagree · Santa Cruz · California ZIP 95065
Farmers and Tesla Insurance place Santa Cruz ZIP 95065 very differently.
Farmers ranks highest (74.2); Tesla Insurance ranks lowest (5.3). The middle bodily-injury percentile is 12.2. Reviewed plans are 68.8 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
12.2
Middle percentile across available plans.
BI plan spread
68.8
Farmers to Tesla Insurance.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, Tesla Insurance lowest.
Farmers
Farmers Auto
74.2
Within-plan percentile
State Farm
Private Passenger Auto
16.2
Within-plan percentile
Travelers
Quantum Auto 2.0
12.2
Within-plan percentile
Progressive
CA Select PPA
8.2
Within-plan percentile
Tesla Insurance
Tesla PPA
5.3
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 | 12.2 | 68.8 pts | 5.3 | — | 12.2 | 74.2 | 8.2 | 16.2 |
| Property damage | 16.2 | 35.4 pts | 6.8 | — | 42.1 | 8.0 | 32.7 | 16.2 |
| Medical payments | 16.5 | 35.2 pts | 11.9 | — | 37.7 | 21.1 | 16.5 | 2.5 |
| Uninsured motorist BI | 4.7 | 5.8 pts | 2.5 | — | — | 2.4 | 8.2 | 6.8 |
| Uninsured motorist PD | 3.5 | 14.8 pts | 17.2 | — | — | 2.4 | 3.5 | — |
| Comprehensive | 20.3 | 39.8 pts | 47.7 | — | 13.2 | 7.9 | 20.3 | 22.6 |
| Collision | 11.1 | 11.3 pts | 9.5 | — | 11.1 | 14.8 | 3.5 | 12.1 |
Widest coverage spread
Bodily injury
Farmers and Tesla Insurance are 68.8 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 5.8 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 breakdownSan Jose, Santa Clara County
95117
Tesla Insurance ranks highest (87.7); Progressive ranks lowest (6.3).
Read breakdownSan Jose, Santa Clara County
95123
Tesla Insurance ranks highest (90.3); Progressive ranks lowest (13.3).
Read breakdown