Plans disagree · Ferndale, Humboldt County · California ZIP 95536
Progressive and Farmers place Ferndale ZIP 95536 very differently.
Progressive ranks highest (79.3); Farmers ranks lowest (1.4). The middle bodily-injury percentile is 4.0. Reviewed plans are 77.9 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
4.0
Middle percentile across available plans.
BI plan spread
77.9
Progressive to Farmers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, Farmers lowest.
Progressive
CA Select PPA
79.3
Within-plan percentile
State Farm
Private Passenger Auto
7.6
Within-plan percentile
Travelers
Quantum Auto 2.0
5.7
Within-plan percentile
Tesla Insurance
Tesla PPA
2.3
Within-plan percentile
Safeco
Private Passenger Auto
1.9
Within-plan percentile
Farmers
Farmers Auto
1.4
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 4.0 | 77.9 pts | 2.3 | 1.9 | 5.7 | 1.4 | 79.3 | 7.6 |
| Property damage | 7.9 | 19.6 pts | 8.3 | 23.7 | 10.4 | 6.5 | 4.1 | 7.6 |
| Medical payments | 11.6 | 61.5 pts | 64.0 | 2.5 | 12.8 | 10.4 | 47.0 | 5.8 |
| Uninsured motorist BI | 17.0 | 75.4 pts | 6.8 | 3.8 | — | 17.0 | 79.2 | 19.2 |
| Uninsured motorist PD | 14.4 | 6.4 pts | 11.9 | 17.3 | — | 17.0 | 10.9 | — |
| Comprehensive | 66.8 | 80.2 pts | 93.2 | 82.7 | 47.4 | 13.0 | 80.1 | 53.4 |
| Collision | 11.2 | 37.4 pts | 43.5 | 11.5 | 7.5 | 6.2 | 10.9 | 14.6 |
Widest coverage spread
Comprehensive
Tesla Insurance and Farmers are 80.2 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 6.4 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
Myers Flat, Humboldt County
95554
Tesla Insurance ranks highest (76.9); Travelers ranks lowest (7.8).
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Progressive ranks highest (78.4); Travelers ranks lowest (10.6).
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95514
Tesla Insurance ranks highest (69.1); Progressive ranks lowest (7.0).
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