Plans disagree · Occidental, Sonoma County · California ZIP 95465
Safeco and Progressive place Occidental ZIP 95465 very differently.
Safeco ranks highest (69.2); Progressive ranks lowest (13.0). The middle bodily-injury percentile is 50.6. Reviewed plans are 56.2 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
50.6
Middle percentile across available plans.
BI plan spread
56.2
Safeco to Progressive.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Safeco highest, Progressive lowest.
Safeco
Private Passenger Auto
69.2
Within-plan percentile
Tesla Insurance
Tesla PPA
69.1
Within-plan percentile
Farmers
Farmers Auto
56.7
Within-plan percentile
State Farm
Private Passenger Auto
44.5
Within-plan percentile
Travelers
Quantum Auto 2.0
23.2
Within-plan percentile
Progressive
CA Select PPA
13.0
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 50.6 | 56.2 pts | 69.1 | 69.2 | 23.2 | 56.7 | 13.0 | 44.5 |
| Property damage | 39.2 | 56.8 pts | 10.7 | 30.2 | 42.1 | 67.5 | 36.3 | 44.5 |
| Medical payments | 21.9 | 64.4 pts | 19.6 | 21.9 | 21.9 | 73.7 | 9.4 | 64.4 |
| Uninsured motorist BI | 9.0 | 10.4 pts | 8.5 | 9.0 | — | 18.1 | 12.9 | 7.7 |
| Uninsured motorist PD | 42.0 | 60.3 pts | 42.2 | 41.9 | — | 18.1 | 78.4 | — |
| Comprehensive | 54.7 | 60.7 pts | 20.7 | 81.5 | 35.6 | 55.0 | 57.2 | 54.4 |
| Collision | 50.9 | 29.5 pts | 51.6 | 50.3 | 50.0 | 48.9 | 78.4 | 62.3 |
Widest coverage spread
Medical payments
Farmers and Progressive are 64.4 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 10.4 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
95407
State Farm ranks highest (74.1); Farmers ranks lowest (4.2).
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Progressive ranks highest (82.4); Travelers ranks lowest (13.6).
Read breakdownGlen Ellen, Sonoma County
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Farmers ranks highest (74.2); Safeco ranks lowest (12.2).
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