Plans disagree · Russian River, San Mateo County · California ZIP 94401
State Farm and Farmers place Russian River ZIP 94401 very differently.
State Farm ranks highest (63.6); Farmers ranks lowest (1.9). The middle bodily-injury percentile is 27.5. Reviewed plans are 61.7 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
27.5
Middle percentile across available plans.
BI plan spread
61.7
State Farm to Farmers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Farmers lowest.
State Farm
Private Passenger Auto
63.6
Within-plan percentile
Travelers
Quantum Auto 2.0
45.8
Within-plan percentile
Progressive
CA Select PPA
32.9
Within-plan percentile
Safeco
Private Passenger Auto
22.0
Within-plan percentile
Tesla Insurance
Tesla PPA
20.5
Within-plan percentile
Farmers
Farmers Auto
1.9
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 27.5 | 61.7 pts | 20.5 | 22.0 | 45.8 | 1.9 | 32.9 | 63.6 |
| Property damage | 74.7 | 20.5 pts | 74.2 | 79.4 | 75.1 | 84.1 | 73.8 | 63.6 |
| Medical payments | 34.6 | 58.5 pts | 5.1 | 63.7 | 30.2 | 35.2 | 36.0 | 34.1 |
| Uninsured motorist BI | 25.2 | 31.3 pts | 24.7 | 33.3 | — | 2.0 | 32.5 | 25.2 |
| Uninsured motorist PD | 42.0 | 51.4 pts | 53.4 | 39.7 | — | 2.0 | 44.3 | — |
| Comprehensive | 41.7 | 56.7 pts | 7.1 | 63.8 | 18.5 | 62.5 | 38.1 | 45.4 |
| Collision | 58.8 | 65.3 pts | 20.7 | 80.4 | 50.0 | 86.0 | 44.3 | 67.7 |
Widest coverage spread
Collision
Farmers and Tesla Insurance are 65.3 percentile points apart.
Closest agreement
Property damage
Available plans are 20.5 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
San Francisco
94127
Progressive ranks highest (86.6); Safeco ranks lowest (5.9).
Read breakdownRedwood City, San Mateo County
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Tesla Insurance ranks highest (80.3); Farmers ranks lowest (6.0).
Read breakdownBrisbane, San Mateo County
94005
Travelers ranks highest (70.9); Tesla Insurance ranks lowest (3.6).
Read breakdown