Broadly lower position · Cottonwood, Shasta County · California ZIP 96022
Cottonwood ZIP 96022 ranks near the lower end across plans.
Travelers ranks highest (22.3); State Farm ranks lowest (3.0). The middle bodily-injury percentile is 20.6. Reviewed plans are 19.2 points apart. Collision splits more (34.5 points), with Farmers highest and Travelers lowest.
Six filed rate plans · Seven coverages · Geographic factors, not insurance quotes
BI shared position
20.6
Middle percentile across available plans.
BI plan spread
19.2
Travelers to State Farm.
Plans available
6
Plans with a BI geographic factor for this ZIP.
Bodily injury comparison
Travelers highest, State Farm lowest.
Travelers
Quantum Auto 2.0
22.3
Within-plan percentile
Tesla Insurance
Tesla PPA
22.2
Within-plan percentile
Progressive
CA Select PPA
20.7
Within-plan percentile
Farmers
Farmers Auto
20.5
Within-plan percentile
Safeco
Private Passenger Auto
15.2
Within-plan percentile
State Farm
Private Passenger Auto
3.0
Within-plan percentile
Farmers ranks highest (34.6); Travelers ranks lowest (0.1). Collision spread is 34.5 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 | 20.6 | 19.2 pts | 22.2 | 15.2 | 22.3 | 20.5 | 20.7 | 3.0 |
| Property damage | 5.0 | 10.5 pts | 13.3 | 12.6 | 4.5 | 5.4 | 2.8 | 3.0 |
| Medical payments | 55.5 | 33.0 pts | 41.2 | 57.1 | 73.4 | 40.3 | 53.8 | 65.3 |
| Uninsured motorist BI | 51.7 | 45.8 pts | 64.1 | 51.7 | — | 66.3 | 20.5 | 29.0 |
| Uninsured motorist PD | 10.0 | 58.0 pts | 9.5 | 10.5 | — | 66.3 | 8.3 | — |
| Comprehensive | 57.7 | 62.2 pts | 64.8 | 57.4 | 72.0 | 9.8 | 41.2 | 57.9 |
| Collision | 14.0 | 34.5 pts | 28.7 | 19.8 | 0.1 | 34.6 | 8.3 | 3.1 |
Widest coverage spread
Comprehensive
Travelers and Farmers are 62.2 percentile points apart.
Closest agreement
Property damage
Available plans are 10.5 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
Trinity Center, Trinity County
96091
Progressive ranks highest (84.5); Travelers ranks lowest (0.2).
Read breakdownDouglas City, Trinity County
96024
Progressive ranks highest (85.7); Travelers ranks lowest (8.9).
Read breakdownWildwood, Shasta County
96076
Progressive ranks highest (73.5); Travelers ranks lowest (2.4).
Read breakdown