Plans disagree · San Jose, Santa Clara County · California ZIP 95123
Tesla Insurance and Progressive place San Jose ZIP 95123 very differently.
Tesla Insurance ranks highest (90.3); Progressive ranks lowest (13.3). The middle bodily-injury percentile is 48.2. Reviewed plans are 77.0 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
48.2
Middle percentile across available plans.
BI plan spread
77.0
Tesla Insurance to Progressive.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, Progressive lowest.
Tesla Insurance
Tesla PPA
90.3
Within-plan percentile
Farmers
Farmers Auto
63.2
Within-plan percentile
State Farm
Private Passenger Auto
48.2
Within-plan percentile
Travelers
Quantum Auto 2.0
22.3
Within-plan percentile
Progressive
CA Select PPA
13.3
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 | 48.2 | 77.0 pts | 90.3 | — | 22.3 | 63.2 | 13.3 | 48.2 |
| Property damage | 69.7 | 47.1 pts | 87.7 | — | 69.7 | 69.2 | 95.3 | 48.2 |
| Medical payments | 17.2 | 28.4 pts | 25.6 | — | 37.7 | 17.2 | 9.4 | 15.2 |
| Uninsured motorist BI | 21.4 | 19.9 pts | 31.9 | — | — | 28.7 | 14.0 | 12.1 |
| Uninsured motorist PD | 50.2 | 62.1 pts | 90.8 | — | — | 28.7 | 50.2 | — |
| Comprehensive | 20.3 | 32.9 pts | 14.4 | — | 16.0 | 26.6 | 20.3 | 47.3 |
| Collision | 50.2 | 32.3 pts | 36.4 | — | 64.1 | 38.9 | 50.2 | 68.7 |
Widest coverage spread
Bodily injury
Tesla Insurance and Progressive are 77.0 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 19.9 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
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95051
Tesla Insurance ranks highest (91.5); Progressive ranks lowest (3.5).
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95117
Tesla Insurance ranks highest (87.7); Progressive ranks lowest (6.3).
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95110
State Farm ranks highest (76.9); Farmers ranks lowest (1.9).
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