GeraSure / US Auto Cost Context / District of Columbia
District of Columbia: Auto-Insurance Cost Context
Gera State Auto-Cost Context Index: 0/100 (Lower Context) · Rank: #51 of 51 · 0.8632 vehicles/HH · 30.05-min commute. Risk-context signals only — not a premium quote.
What is the auto-insurance cost context for District of Columbia?
District of Columbia has a Gera State Auto-Cost Context Index (GSACCI) of 0/100 (Lower Context), ranking 51 of 51 states. Based on Census ACS 2022: 0.8632 vehicles per household and a 30.05-minute mean commute. The national BLS CPI for motor vehicle insurance grew at 3.89% per year from 2022 to 2025. GSACCI is a risk-context index — not a premium quote.
GSACCI components — District of Columbia (ACS 2022 / BLS 2025)
| Signal | Value | Source | What it measures |
|---|---|---|---|
| Vehicles per household | 0.8632 | ACS B08201 | Vehicle density — estimated vehicles divided by total households |
| Mean commute time (minutes) | 30.05 | ACS B08013 / B08303 | Average one-way commute: aggregate person-minutes ÷ total workers |
| Households with no vehicle | 34.33% | ACS B08201 | Percentage of households without any vehicle available |
| GSACCI (raw) | 25.94 | Gera formula | vehicles_per_hh × mean_commute_min (before normalisation) |
| GSACCI (normalised 0-100) | 0 | Gera formula | Min-max normalised across 51 states. Lower Context. |
| BLS CPI trend (national) | +3.89%/yr | BLS CUUR0000SETD01 | 3-yr CAGR 2022-2025 for national motor vehicle insurance CPI |
GSACCI = min-max normalise(veh_per_hh × mean_commute_min). All inputs: ACS 2022 flat files (key-free), BLS API (no key). US Government public domain. Not a premium quote.
District of Columbia Auto-Cost Context Explorer
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Gera State Auto-Cost Context Index (GSACCI)
Auto-cost context signal
District of Columbia has a Lower auto-cost context — relatively fewer vehicles per household or shorter commutes reduce structural exposure compared with higher-scoring states.
GSACCI is a risk-context index based on vehicle density and commute time — not a premium quote. Actual premiums depend on driver, vehicle and insurer factors not in any key-free public dataset.
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District of Columbia auto-insurance cost context: frequently asked questions
- What does a GSACCI of 0/100 mean for District of Columbia?
- A GSACCI of 0/100 places District of Columbia in the "Lower Context" band. District of Columbia has lower-than-average vehicle density (0.8632 veh/HH) or commute time, reducing structural auto-insurance exposure compared with higher-scoring states.
- Where does District of Columbia rank nationally for auto-cost context?
- District of Columbia ranks 51 of 51 US states and DC on the Gera State Auto-Cost Context Index. The national mean GSACCI is 65.8/100. District of Columbia's GSACCI is 0/100 — 65.8 points below the national mean. The highest-scoring state is Maryland at 100/100.
- What is the national BLS CPI trend for motor vehicle insurance?
- The BLS Consumer Price Index for motor vehicle insurance (series CUUR0000SETD01, all urban consumers) rose from 385.9 in 2022 to 432.8 in 2025 — a 3-year compound annual growth rate of 3.89% per year. This is a national figure and applies as context to all states equally. Per-state BLS CPI breakdowns for motor insurance are not available in any key-free public dataset.
- How many District of Columbia households have no vehicle?
- 34.33% of District of Columbia households have no vehicle available, according to Census ACS 2022 (B08201). District of Columbia has 326,970 total households and 247,684 commuting workers.
States near District of Columbia in GSACCI ranking
All states →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).
Full GSACCI formula and verification: Gera State Auto-Cost Context Index methodology.