Plans disagree · Santa Rosa, Sonoma County · California ZIP 95416
Travelers and State Farm place Santa Rosa ZIP 95416 very differently.
Travelers ranks highest (50.4); State Farm ranks lowest (3.9). The middle bodily-injury percentile is 37.8. Reviewed plans are 46.6 points apart. Collision splits more (74.5 points), with Progressive highest and State Farm lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
37.8
Middle percentile across available plans.
BI plan spread
46.6
Travelers to State Farm.
Plans available
5
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, State Farm lowest.
Travelers
Quantum Auto 2.0
50.4
Within-plan percentile
Farmers
Farmers Auto
42.2
Within-plan percentile
Progressive
CA Select PPA
37.8
Within-plan percentile
Tesla Insurance
Tesla PPA
36.9
Within-plan percentile
State Farm
Private Passenger Auto
3.9
Within-plan percentile
Safeco
Private Passenger Auto
—
Within-plan percentile
Progressive ranks highest (94.9); State Farm ranks lowest (20.4). Collision spread is 74.5 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 | 37.8 | 46.6 pts | 36.9 | — | 50.4 | 42.2 | 37.8 | 3.9 |
| Property damage | 56.2 | 78.2 pts | 30.0 | — | 56.2 | 61.6 | 82.1 | 3.9 |
| Medical payments | 63.9 | 54.1 pts | 84.2 | — | 30.2 | 70.8 | 63.9 | 53.8 |
| Uninsured motorist BI | 22.1 | 37.3 pts | 0.6 | — | — | 22.8 | 37.8 | 21.3 |
| Uninsured motorist PD | 22.8 | 90.9 pts | 4.0 | — | — | 22.8 | 94.9 | — |
| Comprehensive | 20.3 | 52.4 pts | 16.7 | — | 25.2 | 59.0 | 20.3 | 6.6 |
| Collision | 50.0 | 74.5 pts | 38.7 | — | 50.0 | 76.1 | 94.9 | 20.4 |
Widest coverage spread
Uninsured motorist PD
Progressive and Tesla Insurance are 90.9 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 37.3 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
Santa Rosa, Sonoma County
95401
State Farm ranks highest (58.7); Progressive ranks lowest (4.8).
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Farmers ranks highest (26.7); Tesla Insurance ranks lowest (11.2).
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State Farm ranks highest (53.0); Progressive ranks lowest (17.1).
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