Plans disagree · Novato, Marin County · California ZIP 94949
State Farm and Farmers place Novato ZIP 94949 very differently.
State Farm ranks highest (58.7); Farmers ranks lowest (17.7). The middle bodily-injury percentile is 31.5. Reviewed plans are 41.0 points apart. Collision splits more (52.7 points), with Travelers highest and Tesla Insurance lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
31.5
Middle percentile across available plans.
BI plan spread
41.0
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
58.7
Within-plan percentile
Progressive
CA Select PPA
35.5
Within-plan percentile
Tesla Insurance
Tesla PPA
31.5
Within-plan percentile
Travelers
Quantum Auto 2.0
26.1
Within-plan percentile
Farmers
Farmers Auto
17.7
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Travelers ranks highest (57.1); Tesla Insurance ranks lowest (4.3). Collision spread is 52.7 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 | 31.5 | 41.0 pts | 31.5 | — | 26.1 | 17.7 | 35.5 | 58.7 |
| Property damage | 62.6 | 25.6 pts | 53.0 | — | 62.6 | 63.5 | 78.7 | 58.7 |
| Medical payments | 11.8 | 27.2 pts | 2.9 | — | 30.2 | 11.8 | 10.1 | 14.8 |
| Uninsured motorist BI | 28.4 | 53.0 pts | 6.5 | — | — | 59.4 | 35.5 | 21.3 |
| Uninsured motorist PD | 22.8 | 43.2 pts | 22.8 | — | — | 59.4 | 16.3 | — |
| Comprehensive | 26.6 | 23.6 pts | 45.3 | — | 21.6 | 30.6 | 26.6 | 25.5 |
| Collision | 29.0 | 52.7 pts | 4.3 | — | 57.1 | 29.0 | 16.3 | 52.7 |
Widest coverage spread
Uninsured motorist BI
Farmers and Tesla Insurance are 53.0 percentile points apart.
Closest agreement
Comprehensive
Available plans are 23.6 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 Rafael, Marin County
94901
Tesla Insurance ranks highest (91.5); Farmers ranks lowest (4.2).
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Read breakdownSan Quentin, Marin County
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Progressive ranks highest (84.9); Tesla Insurance ranks lowest (11.6).
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