Plans disagree · Rio Nido, Sonoma County · California ZIP 95471
Progressive and Farmers place Rio Nido ZIP 95471 very differently.
Progressive ranks highest (72.2); Farmers ranks lowest (26.7). The middle bodily-injury percentile is 39.1. Reviewed plans are 45.5 points apart.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
39.1
Middle percentile across available plans.
BI plan spread
45.5
Progressive to Farmers.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Progressive highest, Farmers lowest.
Progressive
CA Select PPA
72.2
Within-plan percentile
Safeco
Private Passenger Auto
67.4
Within-plan percentile
State Farm
Private Passenger Auto
48.2
Within-plan percentile
Travelers
Quantum Auto 2.0
30.0
Within-plan percentile
Tesla Insurance
Tesla PPA
29.5
Within-plan percentile
Farmers
Farmers Auto
26.7
Within-plan percentile
All seven coverages
The pattern changes by coverage.
| Coverage | Shared | Spread | Tesla Insurance | Safeco | Travelers | Farmers | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| Bodily injury | 39.1 | 45.5 pts | 29.5 | 67.4 | 30.0 | 26.7 | 72.2 | 48.2 |
| Property damage | 52.1 | 40.1 pts | 55.9 | 43.5 | 42.1 | 82.2 | 62.5 | 48.2 |
| Medical payments | 14.0 | 28.1 pts | 11.4 | 25.7 | 3.8 | 16.6 | 5.4 | 31.9 |
| Uninsured motorist BI | 18.1 | 67.1 pts | 4.9 | 9.0 | — | 18.1 | 72.0 | 68.3 |
| Uninsured motorist PD | 13.7 | 63.8 pts | 0.3 | 9.3 | — | 18.1 | 64.1 | — |
| Comprehensive | 42.8 | 70.6 pts | 95.9 | 43.5 | 35.6 | 42.2 | 25.3 | 64.7 |
| Collision | 57.1 | 52.1 pts | 70.4 | 35.5 | 75.4 | 50.1 | 64.1 | 23.2 |
Widest coverage spread
Comprehensive
Tesla Insurance and Progressive are 70.6 percentile points apart.
Closest agreement
Medical payments
Available plans are 28.1 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
Middletown, Lake County
95461
Progressive ranks highest (92.9); Travelers ranks lowest (16.1).
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95407
State Farm ranks highest (74.1); Farmers ranks lowest (4.2).
Read breakdownJenner, Sonoma County
95450
Progressive ranks highest (82.4); Travelers ranks lowest (13.6).
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