GeraSure / US Auto Cost Context / North Dakota
North Dakota: Auto-Insurance Cost Context
Gera State Auto-Cost Context Index: 36.7/100 (Moderate Context) · Rank: #49 of 51 · 2.0095 vehicles/HH · 18.32-min commute. Risk-context signals only — not a premium quote.
What is the auto-insurance cost context for North Dakota?
North Dakota has a Gera State Auto-Cost Context Index (GSACCI) of 36.7/100 (Moderate Context), ranking 49 of 51 states. Based on Census ACS 2022: 2.0095 vehicles per household and a 18.32-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 — North Dakota (ACS 2022 / BLS 2025)
| Signal | Value | Source | What it measures |
|---|---|---|---|
| Vehicles per household | 2.0095 | ACS B08201 | Vehicle density — estimated vehicles divided by total households |
| Mean commute time (minutes) | 18.32 | ACS B08013 / B08303 | Average one-way commute: aggregate person-minutes ÷ total workers |
| Households with no vehicle | 5.27% | ACS B08201 | Percentage of households without any vehicle available |
| GSACCI (raw) | 36.81 | Gera formula | vehicles_per_hh × mean_commute_min (before normalisation) |
| GSACCI (normalised 0-100) | 36.7 | 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.
North Dakota Auto-Cost Context Explorer
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Gera State Auto-Cost Context Index (GSACCI)
Auto-cost context signal
North Dakota 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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North Dakota auto-insurance cost context: frequently asked questions
- What does a GSACCI of 36.7/100 mean for North Dakota?
- A GSACCI of 36.7/100 places North Dakota in the "Moderate Context" band. North Dakota has near-average vehicle density and commute time signals. Standard auto coverage review applies.
- Where does North Dakota rank nationally for auto-cost context?
- North Dakota ranks 49 of 51 US states and DC on the Gera State Auto-Cost Context Index. The national mean GSACCI is 65.8/100. North Dakota's GSACCI is 36.7/100 — 29.1 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 North Dakota households have no vehicle?
- 5.27% of North Dakota households have no vehicle available, according to Census ACS 2022 (B08201). North Dakota has 331,481 total households and 378,588 commuting workers.
States near North Dakota 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.