Compared ZIP · Novato, Marin County · California ZIP 94947
In Novato ZIP 94947, State Farm ranks highest and Travelers ranks lowest.
State Farm ranks highest (53.8); Travelers ranks lowest (19.3). The middle bodily-injury percentile is 35.5. Reviewed plans are 34.5 points apart. Collision splits more (70.7 points), with Travelers highest and State Farm lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
35.5
Middle percentile across available plans.
BI plan spread
34.5
State Farm to Travelers.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Travelers lowest.
State Farm
Private Passenger Auto
53.8
Within-plan percentile
Farmers
Farmers Auto
45.7
Within-plan percentile
Progressive
CA Select PPA
35.5
Within-plan percentile
Tesla Insurance
Tesla PPA
22.2
Within-plan percentile
Travelers
Quantum Auto 2.0
19.3
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Travelers ranks highest (71.1); State Farm ranks lowest (0.4). Collision spread is 70.7 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 | 35.5 | 34.5 pts | 22.2 | — | 19.3 | 45.7 | 35.5 | 53.8 |
| Property damage | 56.2 | 39.8 pts | 49.9 | — | 56.2 | 63.5 | 89.6 | 53.8 |
| Medical payments | 28.1 | 36.3 pts | 24.0 | — | 30.2 | 28.1 | 43.2 | 6.9 |
| Uninsured motorist BI | 29.9 | 25.2 pts | 33.1 | — | — | 10.3 | 35.5 | 26.6 |
| Uninsured motorist PD | 16.3 | 21.1 pts | 31.5 | — | — | 10.3 | 16.3 | — |
| Comprehensive | 11.0 | 13.7 pts | 19.4 | — | 21.6 | 7.9 | 11.0 | 8.1 |
| Collision | 30.1 | 70.7 pts | 35.8 | — | 71.1 | 30.1 | 16.3 | 0.4 |
Widest coverage spread
Collision
Travelers and State Farm are 70.7 percentile points apart.
Closest agreement
Comprehensive
Available plans are 13.7 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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