Plans disagree · Santa Rosa, Sonoma County · California ZIP 95401
State Farm and Progressive place Santa Rosa ZIP 95401 very differently.
State Farm ranks highest (58.7); Progressive ranks lowest (4.8). The middle bodily-injury percentile is 22.7. Reviewed plans are 53.9 points apart. Collision splits more (73.3 points), with Travelers highest and Farmers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
22.7
Middle percentile across available plans.
BI plan spread
53.9
State Farm to Progressive.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Progressive lowest.
State Farm
Private Passenger Auto
58.7
Within-plan percentile
Travelers
Quantum Auto 2.0
26.1
Within-plan percentile
Farmers
Farmers Auto
22.7
Within-plan percentile
Tesla Insurance
Tesla PPA
11.2
Within-plan percentile
Progressive
CA Select PPA
4.8
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Travelers ranks highest (82.8); Farmers ranks lowest (9.5). Collision spread is 73.3 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 | 22.7 | 53.9 pts | 11.2 | — | 26.1 | 22.7 | 4.8 | 58.7 |
| Property damage | 67.5 | 25.7 pts | 81.9 | — | 56.2 | 67.5 | 78.0 | 58.7 |
| Medical payments | 35.8 | 52.8 pts | 35.8 | — | 30.2 | 70.8 | 18.0 | 48.0 |
| Uninsured motorist BI | 20.8 | 68.4 pts | 26.0 | — | — | 15.5 | 4.9 | 73.3 |
| Uninsured motorist PD | 73.7 | 61.9 pts | 73.7 | — | — | 15.5 | 77.4 | — |
| Comprehensive | 28.3 | 23.1 pts | 44.7 | — | 21.6 | 28.3 | 29.4 | 27.3 |
| Collision | 45.8 | 73.3 pts | 18.5 | — | 82.8 | 9.5 | 77.4 | 45.8 |
Widest coverage spread
Collision
Travelers and Farmers are 73.3 percentile points apart.
Closest agreement
Comprehensive
Available plans are 23.1 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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