GeraSure / US Auto Cost Context / New Hampshire
New Hampshire: Auto-Insurance Cost Context
Gera State Auto-Cost Context Index: 85.3/100 (Very High Context) · Rank: #6 of 51 · 1.9169 vehicles/HH · 26.72-min commute. Risk-context signals only — not a premium quote.
What is the auto-insurance cost context for New Hampshire?
New Hampshire has a Gera State Auto-Cost Context Index (GSACCI) of 85.3/100 (Very High Context), ranking 6 of 51 states. Based on Census ACS 2022: 1.9169 vehicles per household and a 26.72-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 — New Hampshire (ACS 2022 / BLS 2025)
| Signal | Value | Source | What it measures |
|---|---|---|---|
| Vehicles per household | 1.9169 | ACS B08201 | Vehicle density — estimated vehicles divided by total households |
| Mean commute time (minutes) | 26.72 | ACS B08013 / B08303 | Average one-way commute: aggregate person-minutes ÷ total workers |
| Households with no vehicle | 4.32% | ACS B08201 | Percentage of households without any vehicle available |
| GSACCI (raw) | 51.22 | Gera formula | vehicles_per_hh × mean_commute_min (before normalisation) |
| GSACCI (normalised 0-100) | 85.3 | 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.
New Hampshire Auto-Cost Context Explorer
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Gera State Auto-Cost Context Index (GSACCI)
Auto-cost context signal
New Hampshire 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.
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New Hampshire auto-insurance cost context: frequently asked questions
- What does a GSACCI of 85.3/100 mean for New Hampshire?
- A GSACCI of 85.3/100 places New Hampshire in the "Very High Context" band. States in this band have high vehicle ownership density (1.9169 veh/HH) combined with longer commutes (26.72 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 New Hampshire rank nationally for auto-cost context?
- New Hampshire ranks 6 of 51 US states and DC on the Gera State Auto-Cost Context Index. The national mean GSACCI is 65.8/100. New Hampshire's GSACCI is 85.3/100 — 19.5 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 New Hampshire households have no vehicle?
- 4.32% of New Hampshire households have no vehicle available, according to Census ACS 2022 (B08201). New Hampshire has 557,220 total households and 610,336 commuting workers.
States near New Hampshire 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.