Plans disagree · Mountain View, Santa Clara County · California ZIP 94041
State Farm and Farmers place Mountain View ZIP 94041 very differently.
State Farm ranks highest (59.5); Farmers ranks lowest (1.8). The middle bodily-injury percentile is 30.0. Reviewed plans are 57.8 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
30.0
Middle percentile across available plans.
BI plan spread
57.8
State Farm to Farmers.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Farmers lowest.
State Farm
Private Passenger Auto
59.5
Within-plan percentile
Progressive
CA Select PPA
37.8
Within-plan percentile
Travelers
Quantum Auto 2.0
30.0
Within-plan percentile
Tesla Insurance
Tesla PPA
13.7
Within-plan percentile
Farmers
Farmers Auto
1.8
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 30.0 | 57.8 pts | 13.7 | — | 30.0 | 1.8 | 37.8 | 59.5 |
| Property damage | 59.5 | 45.9 pts | 72.9 | — | 66.4 | 27.0 | 53.3 | 59.5 |
| Medical payments | 9.2 | 33.2 pts | 11.4 | — | 3.8 | 9.2 | 3.5 | 36.7 |
| Uninsured motorist BI | 17.2 | 29.5 pts | 13.2 | — | — | 8.3 | 37.8 | 21.3 |
| Uninsured motorist PD | 8.9 | 11.7 pts | 20.0 | — | — | 8.3 | 8.9 | — |
| Comprehensive | 2.3 | 19.5 pts | 20.4 | — | 4.1 | 2.3 | 1.8 | 0.9 |
| Collision | 26.6 | 49.1 pts | 33.9 | — | 26.6 | 57.5 | 8.9 | 8.4 |
Widest coverage spread
Bodily injury
State Farm and Farmers are 57.8 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 11.7 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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