GeraSure / US Auto Cost Context / Montana
Montana: Auto-Insurance Cost Context
Gera State Auto-Cost Context Index: 49.9/100 (Moderate Context) · Rank: #43 of 51 · 2.138 vehicles/HH · 19.05-min commute. Risk-context signals only — not a premium quote.
What is the auto-insurance cost context for Montana?
Montana has a Gera State Auto-Cost Context Index (GSACCI) of 49.9/100 (Moderate Context), ranking 43 of 51 states. Based on Census ACS 2022: 2.138 vehicles per household and a 19.05-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 — Montana (ACS 2022 / BLS 2025)
| Signal | Value | Source | What it measures |
|---|---|---|---|
| Vehicles per household | 2.138 | ACS B08201 | Vehicle density — estimated vehicles divided by total households |
| Mean commute time (minutes) | 19.05 | ACS B08013 / B08303 | Average one-way commute: aggregate person-minutes ÷ total workers |
| Households with no vehicle | 4.21% | ACS B08201 | Percentage of households without any vehicle available |
| GSACCI (raw) | 40.73 | Gera formula | vehicles_per_hh × mean_commute_min (before normalisation) |
| GSACCI (normalised 0-100) | 49.9 | Gera formula | Min-max normalised across 51 states. Moderate 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.
Montana Auto-Cost Context Explorer
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Gera State Auto-Cost Context Index (GSACCI)
Auto-cost context signal
Montana has a Moderate auto-cost context. Vehicle ownership and commute times are around the national average. Standard coverage review is recommended.
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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Montana auto-insurance cost context: frequently asked questions
- What does a GSACCI of 49.9/100 mean for Montana?
- A GSACCI of 49.9/100 places Montana in the "Moderate Context" band. Montana has near-average vehicle density and commute time signals. Standard auto coverage review applies.
- Where does Montana rank nationally for auto-cost context?
- Montana ranks 43 of 51 US states and DC on the Gera State Auto-Cost Context Index. The national mean GSACCI is 65.8/100. Montana's GSACCI is 49.9/100 — 15.9 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 Montana households have no vehicle?
- 4.21% of Montana households have no vehicle available, according to Census ACS 2022 (B08201). Montana has 464,072 total households and 482,270 commuting workers.
States near Montana 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.