GeraSure / US Auto Cost Context / Hawaii
Hawaii: Auto-Insurance Cost Context
Gera State Auto-Cost Context Index: 78.3/100 (Very High Context) · Rank: #14 of 51 · 1.886 vehicles/HH · 26.06-min commute. Risk-context signals only — not a premium quote.
What is the auto-insurance cost context for Hawaii?
Hawaii has a Gera State Auto-Cost Context Index (GSACCI) of 78.3/100 (Very High Context), ranking 14 of 51 states. Based on Census ACS 2022: 1.886 vehicles per household and a 26.06-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 — Hawaii (ACS 2022 / BLS 2025)
| Signal | Value | Source | What it measures |
|---|---|---|---|
| Vehicles per household | 1.886 | ACS B08201 | Vehicle density — estimated vehicles divided by total households |
| Mean commute time (minutes) | 26.06 | ACS B08013 / B08303 | Average one-way commute: aggregate person-minutes ÷ total workers |
| Households with no vehicle | 8.11% | ACS B08201 | Percentage of households without any vehicle available |
| GSACCI (raw) | 49.15 | Gera formula | vehicles_per_hh × mean_commute_min (before normalisation) |
| GSACCI (normalised 0-100) | 78.3 | Gera formula | Min-max normalised across 51 states. Very High 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.
Hawaii Auto-Cost Context Explorer
Explore the GSACCI components and national CPI trend for your state.
Gera State Auto-Cost Context Index (GSACCI)
Auto-cost context signal
Hawaii has a Very High auto-cost context: above-average vehicle density and commute time combine to create high structural exposure. Comparison shopping for coverage is especially important.
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.
Get auto-insurance comparison tools for Hawaii
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Hawaii auto-insurance cost context: frequently asked questions
- What does a GSACCI of 78.3/100 mean for Hawaii?
- A GSACCI of 78.3/100 places Hawaii in the "Very High Context" band. States in this band have high vehicle ownership density (1.886 veh/HH) combined with longer commutes (26.06 min average), meaning more vehicles on the road for longer each day — a structural signal that correlates with higher insurance market costs. Review coverage options carefully.
- Where does Hawaii rank nationally for auto-cost context?
- Hawaii ranks 14 of 51 US states and DC on the Gera State Auto-Cost Context Index. The national mean GSACCI is 65.8/100. Hawaii's GSACCI is 78.3/100 — 12.5 points above 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 Hawaii households have no vehicle?
- 8.11% of Hawaii households have no vehicle available, according to Census ACS 2022 (B08201). Hawaii has 494,827 total households and 632,471 commuting workers.
States near Hawaii 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.