Plans disagree · Madison, Yolo County · California ZIP 95653
Tesla Insurance and State Farm place Madison ZIP 95653 very differently.
Tesla Insurance ranks highest (81.9); State Farm ranks lowest (17.7). The middle bodily-injury percentile is 50.0. Reviewed plans are 64.2 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
50.0
Middle percentile across available plans.
BI plan spread
64.2
Tesla Insurance to State Farm.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, State Farm lowest.
Tesla Insurance
Tesla PPA
81.9
Within-plan percentile
Farmers
Farmers Auto
62.2
Within-plan percentile
Travelers
Quantum Auto 2.0
58.1
Within-plan percentile
Progressive
CA Select PPA
41.9
Within-plan percentile
Safeco
Private Passenger Auto
37.6
Within-plan percentile
State Farm
Private Passenger Auto
17.7
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 50.0 | 64.2 pts | 81.9 | 37.6 | 58.1 | 62.2 | 41.9 | 17.7 |
| Property damage | 24.2 | 68.2 pts | 74.4 | 6.2 | 30.8 | 7.0 | 61.1 | 17.7 |
| Medical payments | 56.5 | 69.3 pts | 71.7 | 73.1 | 3.8 | 29.7 | 63.9 | 49.2 |
| Uninsured motorist BI | 41.9 | 62.5 pts | 80.2 | 37.1 | — | 92.4 | 41.9 | 29.9 |
| Uninsured motorist PD | 52.5 | 82.4 pts | 85.8 | 19.2 | — | 92.4 | 9.9 | — |
| Comprehensive | 56.4 | 50.7 pts | 80.2 | 61.3 | 39.5 | 29.6 | 51.5 | 74.8 |
| Collision | 14.0 | 44.2 pts | 3.4 | 25.7 | 3.7 | 18.1 | 9.9 | 47.6 |
Widest coverage spread
Uninsured motorist PD
Farmers and Progressive are 82.4 percentile points apart.
Closest agreement
Collision
Available plans are 44.2 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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