Broadly lower position · The Sea Ranch, Sonoma County · California ZIP 95497
The Sea Ranch ZIP 95497 ranks near the lower end across plans.
State Farm ranks highest (22.1); Tesla Insurance ranks lowest (0.7). The middle bodily-injury percentile is 5.1. Reviewed plans are 21.3 points apart. Collision splits more (46.1 points), with Safeco highest and State Farm lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
5.1
Middle percentile across available plans.
BI plan spread
21.3
State Farm to Tesla Insurance.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
State Farm highest, Tesla Insurance lowest.
State Farm
Private Passenger Auto
22.1
Within-plan percentile
Safeco
Private Passenger Auto
14.1
Within-plan percentile
Travelers
Quantum Auto 2.0
8.9
Within-plan percentile
Farmers
Farmers Auto
1.4
Within-plan percentile
Progressive
CA Select PPA
1.3
Within-plan percentile
Tesla Insurance
Tesla PPA
0.7
Within-plan percentile
Safeco ranks highest (73.7); State Farm ranks lowest (27.6). Collision spread is 46.1 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 | 5.1 | 21.3 pts | 0.7 | 14.1 | 8.9 | 1.4 | 1.3 | 22.1 |
| Property damage | 22.1 | 30.1 pts | 34.5 | 29.7 | 9.8 | 4.5 | 22.2 | 22.1 |
| Medical payments | 45.6 | 62.7 pts | 40.6 | 13.5 | 54.4 | 23.7 | 76.2 | 50.6 |
| Uninsured motorist BI | 8.3 | 15.9 pts | 12.0 | 6.9 | — | 8.3 | 1.3 | 17.2 |
| Uninsured motorist PD | 8.4 | 50.4 pts | 8.5 | 8.0 | — | 8.3 | 58.5 | — |
| Comprehensive | 60.4 | 54.9 pts | 26.5 | 79.7 | 81.4 | 63.7 | 57.2 | 48.6 |
| Collision | 47.0 | 46.1 pts | 35.5 | 73.7 | 71.1 | 34.6 | 58.5 | 27.6 |
Widest coverage spread
Medical payments
Progressive and Safeco are 62.7 percentile points apart.
Closest agreement
Uninsured motorist BI
Available plans are 15.9 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.
Nearby compared ZIPs
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Read breakdown