GeraSure / US Auto Cost Context / New Jersey
New Jersey: Auto-Insurance Cost Context
Gera State Auto-Cost Context Index: 84.4/100 (Very High Context) · Rank: #7 of 51 · 1.6838 vehicles/HH · 30.27-min commute. Risk-context signals only — not a premium quote.
What is the auto-insurance cost context for New Jersey?
New Jersey has a Gera State Auto-Cost Context Index (GSACCI) of 84.4/100 (Very High Context), ranking 7 of 51 states. Based on Census ACS 2022: 1.6838 vehicles per household and a 30.27-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 Jersey (ACS 2022 / BLS 2025)
| Signal | Value | Source | What it measures |
|---|---|---|---|
| Vehicles per household | 1.6838 | ACS B08201 | Vehicle density — estimated vehicles divided by total households |
| Mean commute time (minutes) | 30.27 | ACS B08013 / B08303 | Average one-way commute: aggregate person-minutes ÷ total workers |
| Households with no vehicle | 10.95% | ACS B08201 | Percentage of households without any vehicle available |
| GSACCI (raw) | 50.97 | Gera formula | vehicles_per_hh × mean_commute_min (before normalisation) |
| GSACCI (normalised 0-100) | 84.4 | 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 Jersey 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
New Jersey 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 New Jersey
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New Jersey auto-insurance cost context: frequently asked questions
- What does a GSACCI of 84.4/100 mean for New Jersey?
- A GSACCI of 84.4/100 places New Jersey in the "Very High Context" band. States in this band have high vehicle ownership density (1.6838 veh/HH) combined with longer commutes (30.27 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 Jersey rank nationally for auto-cost context?
- New Jersey ranks 7 of 51 US states and DC on the Gera State Auto-Cost Context Index. The national mean GSACCI is 65.8/100. New Jersey's GSACCI is 84.4/100 — 18.6 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 Jersey households have no vehicle?
- 10.95% of New Jersey households have no vehicle available, according to Census ACS 2022 (B08201). New Jersey has 3,516,978 total households and 3,845,167 commuting workers.
States near New Jersey 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.