Plans disagree · Planada, Merced County · California ZIP 95365
Farmers and State Farm place Planada ZIP 95365 very differently.
Farmers ranks highest (89.3); State Farm ranks lowest (15.5). The middle bodily-injury percentile is 45.8. Reviewed plans are 73.8 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
45.8
Middle percentile across available plans.
BI plan spread
73.8
Farmers to State Farm.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Farmers highest, State Farm lowest.
Farmers
Farmers Auto
89.3
Within-plan percentile
Progressive
CA Select PPA
59.2
Within-plan percentile
Travelers
Quantum Auto 2.0
45.8
Within-plan percentile
Tesla Insurance
Tesla PPA
39.7
Within-plan percentile
State Farm
Private Passenger Auto
15.5
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 | 45.8 | 73.8 pts | 39.7 | — | 45.8 | 89.3 | 59.2 | 15.5 |
| Property damage | 35.9 | 65.8 pts | 47.4 | — | 35.9 | 81.2 | 16.2 | 15.5 |
| Medical payments | 38.8 | 54.9 pts | 38.8 | — | 54.4 | 10.0 | 36.0 | 64.9 |
| Uninsured motorist BI | 76.9 | 26.7 pts | 76.1 | — | — | 85.8 | 59.2 | 77.6 |
| Uninsured motorist PD | 46.8 | 45.8 pts | 40.1 | — | — | 85.8 | 46.8 | — |
| Comprehensive | 81.4 | 44.3 pts | 45.3 | — | 55.6 | 89.5 | 85.8 | 81.4 |
| Collision | 46.8 | 72.4 pts | 8.9 | — | 81.3 | 11.1 | 46.8 | 54.0 |
Widest coverage spread
Bodily injury
Farmers and State Farm are 73.8 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 26.7 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.
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