Plans disagree · Santa Rosa, Sonoma County · California ZIP 95405
State Farm and Farmers place Santa Rosa ZIP 95405 very differently.
State Farm ranks highest (58.7); Farmers ranks lowest (9.7). The middle bodily-injury percentile is 19.3. Reviewed plans are 49.0 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
19.3
Middle percentile across available plans.
BI plan spread
49.0
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
Tesla Insurance
Tesla PPA
35.1
Within-plan percentile
Travelers
Quantum Auto 2.0
19.3
Within-plan percentile
Progressive
CA Select PPA
11.6
Within-plan percentile
Farmers
Farmers Auto
9.7
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 | 19.3 | 49.0 pts | 35.1 | — | 19.3 | 9.7 | 11.6 | 58.7 |
| Property damage | 73.2 | 21.5 pts | 77.7 | — | 56.2 | 73.2 | 76.2 | 58.7 |
| Medical payments | 37.4 | 63.4 pts | 78.1 | — | 30.2 | 40.3 | 37.4 | 14.8 |
| Uninsured motorist BI | 32.8 | 27.7 pts | 36.9 | — | — | 28.7 | 12.2 | 39.8 |
| Uninsured motorist PD | 43.7 | 16.9 pts | 43.7 | — | — | 28.7 | 45.6 | — |
| Comprehensive | 18.5 | 31.5 pts | 42.5 | — | 18.5 | 18.8 | 11.0 | 15.9 |
| Collision | 46.4 | 52.5 pts | 53.2 | — | 75.4 | 22.8 | 45.6 | 46.4 |
Widest coverage spread
Medical payments
Tesla Insurance and State Farm are 63.4 percentile points apart.
Closest agreement
Uninsured motorist PD
Available plans are 16.9 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.
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