What is the Gera State Auto-Cost Context Index (GSACCI)?

The Gera State Auto-Cost Context Index (GSACCI) is a 0–100 index computed by Gera from two publicly available federal datasets: US Census ACS vehicle-availability data (how many cars per household in each state) and ACS commute-time data (how long those vehicles are driven daily on average). These two signals are multiplied to form a raw exposure index, then min-max normalised to 0–100 across all 50 states and DC. Higher GSACCI = higher structural auto-insurance cost context. GSACCI is NOT a premium quote.

Why are actual auto insurance premiums not shown?

Actual auto insurance premiums are not available in any key-free, machine-readable public dataset. State DOI rate filings are PDF-only; NAIC aggregate data requires a licence; and insurer quote APIs are proprietary. The GS-US1 cluster therefore publishes risk-context signals — vehicle density and commute time from Census ACS, plus the national BLS CPI motor-insurance trend — which are verified, public-domain, and independently reproducible. Publishing an invented premium figure would be fabrication, so Gera does not do that.

What does the BLS CPI motor vehicle insurance trend measure?

BLS series CUUR0000SETD01 measures the Consumer Price Index for motor vehicle insurance across all urban consumers in the US, with a base period of 1982-84=100. An annual average of 432.8 in 2025 compared with 385.9 in 2022 means motor vehicle insurance cost 3.89% per year on average nationally over this period. This is a national aggregate figure — it does not split by state. Gera cites it as national context on every state page.

Why does District of Columbia score lowest?

DC scores lowest (GSACCI 0.0/100) because it has the lowest vehicle density among all 51 entries at just 0.86 vehicles per household — most DC residents commute by metro, bus, bike or foot. Even though DC has a relatively long commute time (30.0 minutes), the very low vehicle density dominates. States where most households own multiple cars AND have long commutes score highest on GSACCI.

How often is the GSACCI updated?

Gera updates the GSACCI when the US Census Bureau publishes a new ACS 1-Year Summary File (typically each September for the prior year). The current figures use ACS 2022 data (the latest 1-Year file confirmed available in key-free flat-file form at publication time). BLS CPI data is updated monthly but the GSACCI formula uses annual averages. The methodology page documents the exact formula so the index is independently reproducible.

GeraSure / US Auto-Insurance Cost Context

US Auto-Insurance Cost Context by State

The Gera State Auto-Cost Context Index (GSACCI) ranks 51 US states + DC on a 0–100 scale using Census ACS vehicle-density and commute-time signals + BLS CPI motor-insurance trend. Highest: Maryland (100/100). Reference: ACS 2022 / BLS 2025. Risk-context signals only — not a premium quote.

Which US state has the highest auto-insurance cost context?

Maryland has the highest Gera State Auto-Cost Context Index (GSACCI) at 100/100, based on Census ACS 2022 vehicle availability and commute-time data. The BLS CPI for motor vehicle insurance (CUUR0000SETD01) rose at 3.89% per year 2022-2025. GSACCI ranks risk-context only — not a premium quote. Gera publishes this index from public-domain federal data.

Source:US Census ACS 2022 1-Year Summary File — Tables B08201, B08013, B08303·as of ACS 2022 / BLS 2025updated annually (last: 20 June 2026)

Gera State Auto-Cost Context Index100 / 100Highest GSACCI: Maryland — vehicle density × commute time from Census ACS 2022. BLS CPI motor-insurance trend: +3.89%/yr (2022-2025).How this index is calculated

Risk-context signals only. GSACCI ranks states by structural auto-insurance risk signals (vehicle ownership density × commute time). It is not a premium quote. Actual premiums depend on driver-specific factors and insurer pricing that are not available in any key-free public dataset. See the methodology page for full formula and source details.

Highest auto-cost context states — GSACCI (ACS 2022 / BLS 2025)

Top 20 US states by Gera State Auto-Cost Context Index — Census ACS 2022 + BLS CPI
State	GSACCI / 100	Context band	Vehicles / HH	Mean commute (min)	% households no vehicle
Maryland	100	Very High Context	1.8023	30.84	8.7%
California	99.5	Very High Context	1.956	28.34	6.9%
Georgia	95.3	Very High Context	1.9196	28.23	5.73%
Virginia	90.8	Very High Context	1.9524	27.07	6.11%
Washington	85.5	Very High Context	1.9511	26.29	6.85%
New Hampshire	85.3	Very High Context	1.9169	26.72	4.32%
New Jersey	84.4	Very High Context	1.6838	30.27	10.95%
Tennessee	83.2	Very High Context	1.9856	25.49	5.06%
Texas	82.7	Very High Context	1.8892	26.71	5.39%
Alabama	81.7	Very High Context	1.9781	25.36	5.25%
Colorado	80.1	Very High Context	1.9837	25.04	5.03%
Mississippi	79.8	Very High Context	1.9446	25.51	5.94%
North Carolina	78.9	Very High Context	1.9684	25.06	4.95%
Hawaii	78.3	Very High Context	1.886	26.06	8.11%
South Carolina	77.1	Very High Context	1.9066	25.6	5.39%
Delaware	76	Very High Context	1.8596	26.07	5.91%
Florida	75.9	Very High Context	1.7292	28.02	5.97%
Idaho	75.9	Very High Context	2.1914	22.1	3.82%
West Virginia	74.6	High Context	1.7885	26.86	8.03%
Utah	74.3	High Context	2.22	21.61	3.7%

GSACCI = min-max normalised (vehicles_per_hh × mean_commute_min). ACS B08201 (vehicles), B08013/B08303 (commute). All data: US public domain. BLS CPI CUUR0000SETD01 3-yr CAGR 2022-2025: +3.89%/yr (national context).

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National CPI context: motor vehicle insurance

The BLS Consumer Price Index for motor vehicle insurance (series CUUR0000SETD01) measures how insurance costs have changed nationally over time. It does not split by state. The 2022 annual average was 385.9 (base 1982-84=100); the 2025 annual average was 432.8 — a 3-year CAGR of 3.89% per year. This trend provides national context for the state-level GSACCI signals.

US auto-insurance cost context: frequently asked questions

What is the Gera State Auto-Cost Context Index (GSACCI)?: The Gera State Auto-Cost Context Index (GSACCI) is a 0–100 index computed by Gera from two publicly available federal datasets: US Census ACS vehicle-availability data (how many cars per household in each state) and ACS commute-time data (how long those vehicles are driven daily on average). These two signals are multiplied to form a raw exposure index, then min-max normalised to 0–100 across all 50 states and DC. Higher GSACCI = higher structural auto-insurance cost context. GSACCI is NOT a premium quote.
Why are actual auto insurance premiums not shown?: Actual auto insurance premiums are not available in any key-free, machine-readable public dataset. State DOI rate filings are PDF-only; NAIC aggregate data requires a licence; and insurer quote APIs are proprietary. The GS-US1 cluster therefore publishes risk-context signals — vehicle density and commute time from Census ACS, plus the national BLS CPI motor-insurance trend — which are verified, public-domain, and independently reproducible. Publishing an invented premium figure would be fabrication, so Gera does not do that.
What does the BLS CPI motor vehicle insurance trend measure?: BLS series CUUR0000SETD01 measures the Consumer Price Index for motor vehicle insurance across all urban consumers in the US, with a base period of 1982-84=100. An annual average of 432.8 in 2025 compared with 385.9 in 2022 means motor vehicle insurance cost 3.89% per year on average nationally over this period. This is a national aggregate figure — it does not split by state. Gera cites it as national context on every state page.
Why does District of Columbia score lowest?: DC scores lowest (GSACCI 0.0/100) because it has the lowest vehicle density among all 51 entries at just 0.86 vehicles per household — most DC residents commute by metro, bus, bike or foot. Even though DC has a relatively long commute time (30.0 minutes), the very low vehicle density dominates. States where most households own multiple cars AND have long commutes score highest on GSACCI.
How often is the GSACCI updated?: Gera updates the GSACCI when the US Census Bureau publishes a new ACS 1-Year Summary File (typically each September for the prior year). The current figures use ACS 2022 data (the latest 1-Year file confirmed available in key-free flat-file form at publication time). BLS CPI data is updated monthly but the GSACCI formula uses annual averages. The methodology page documents the exact formula so the index is independently reproducible.

Methodology

The GSACCI is computed from Census ACS vehicle-availability and commute-time data, normalised 0–100. BLS CPI series CUUR0000SETD01 provides national trend context. Full formula, inputs, exclusions (including why no premium figure is published), and verification steps are documented on the GSACCI methodology page.

Contains public sector information published by US Census Bureau and licensed under the US Government public domain. Source: US Census ACS 2022 1-Year Summary File — Tables B08201, B08013, B08303 (ACS 2022 / BLS 2025, published 2023).

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