Compared ZIP · Cotati, Sonoma County · California ZIP 94931
In Cotati ZIP 94931, State Farm ranks highest and Progressive ranks lowest.
State Farm ranks highest (43.5); Progressive ranks lowest (17.1). The middle bodily-injury percentile is 31.9. Reviewed plans are 26.4 points apart. Collision splits more (81.6 points), with Travelers highest and Farmers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
31.9
Middle percentile across available plans.
BI plan spread
26.4
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
43.5
Within-plan percentile
Travelers
Quantum Auto 2.0
37.1
Within-plan percentile
Farmers
Farmers Auto
31.9
Within-plan percentile
Tesla Insurance
Tesla PPA
24.8
Within-plan percentile
Progressive
CA Select PPA
17.1
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Travelers ranks highest (82.8); Farmers ranks lowest (1.2). Collision spread is 81.6 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 | 31.9 | 26.4 pts | 24.8 | — | 37.1 | 31.9 | 17.1 | 43.5 |
| Property damage | 55.9 | 15.9 pts | 55.9 | — | 56.2 | 40.3 | 56.0 | 43.5 |
| Medical payments | 5.3 | 46.0 pts | 48.0 | — | 30.2 | 2.0 | 4.6 | 5.3 |
| Uninsured motorist BI | 18.2 | 24.9 pts | 3.8 | — | — | 28.7 | 16.5 | 20.0 |
| Uninsured motorist PD | 28.3 | 22.1 pts | 28.3 | — | — | 28.7 | 6.6 | — |
| Comprehensive | 29.4 | 21.1 pts | 32.3 | — | 21.6 | 22.1 | 29.4 | 42.7 |
| Collision | 34.8 | 81.6 pts | 34.8 | — | 82.8 | 1.2 | 6.6 | 36.2 |
Widest coverage spread
Collision
Travelers and Farmers are 81.6 percentile points apart.
Closest agreement
Property damage
Available plans are 15.9 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.