Plans disagree · Cedarville, Modoc County · California ZIP 96104
Tesla Insurance and Progressive place Cedarville ZIP 96104 very differently.
Tesla Insurance ranks highest (46.1); Progressive ranks lowest (3.5). The middle bodily-injury percentile is 16.4. Reviewed plans are 42.6 points apart. Collision splits more (57.9 points), with Travelers highest and State Farm lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
16.4
Middle percentile across available plans.
BI plan spread
42.6
Tesla Insurance to Progressive.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Tesla Insurance highest, Progressive lowest.
Tesla Insurance
Tesla PPA
46.1
Within-plan percentile
Farmers
Farmers Auto
30.1
Within-plan percentile
Safeco
Private Passenger Auto
26.4
Within-plan percentile
State Farm
Private Passenger Auto
6.4
Within-plan percentile
Travelers
Quantum Auto 2.0
4.5
Within-plan percentile
Progressive
CA Select PPA
3.5
Within-plan percentile
Travelers ranks highest (71.1); State Farm ranks lowest (13.1). Collision spread is 57.9 points, wider than bodily injury.
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 16.4 | 42.6 pts | 46.1 | 26.4 | 4.5 | 30.1 | 3.5 | 6.4 |
| Property damage | 14.5 | 29.9 pts | 22.5 | 15.6 | 0.4 | 30.3 | 13.5 | 6.4 |
| Medical payments | 24.2 | 23.0 pts | 30.2 | 32.3 | 16.3 | 16.6 | 39.2 | 18.2 |
| Uninsured motorist BI | 10.1 | 20.4 pts | 10.1 | 3.8 | — | 24.2 | 3.8 | 19.2 |
| Uninsured motorist PD | 12.1 | 23.1 pts | 4.0 | 1.0 | — | 24.2 | 20.2 | — |
| Comprehensive | 91.8 | 15.3 pts | 93.2 | 96.7 | 81.4 | 82.7 | 93.2 | 90.5 |
| Collision | 37.2 | 57.9 pts | 41.4 | 59.3 | 71.1 | 32.9 | 20.2 | 13.1 |
Widest coverage spread
Collision
Travelers and State Farm are 57.9 percentile points apart.
Closest agreement
Comprehensive
Available plans are 15.3 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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