GeraSure / US Auto Cost Context / New York
New York: Auto-Insurance Cost Context
Gera State Auto-Cost Context Index: 51/100 (High Context) · Rank: #41 of 51 · 1.2441 vehicles/HH · 32.99-min commute. Risk-context signals only — not a premium quote.
What is the auto-insurance cost context for New York?
New York has a Gera State Auto-Cost Context Index (GSACCI) of 51/100 (High Context), ranking 41 of 51 states. Based on Census ACS 2022: 1.2441 vehicles per household and a 32.99-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 York (ACS 2022 / BLS 2025)
| Signal | Value | Source | What it measures |
|---|---|---|---|
| Vehicles per household | 1.2441 | ACS B08201 | Vehicle density — estimated vehicles divided by total households |
| Mean commute time (minutes) | 32.99 | ACS B08013 / B08303 | Average one-way commute: aggregate person-minutes ÷ total workers |
| Households with no vehicle | 29.1% | ACS B08201 | Percentage of households without any vehicle available |
| GSACCI (raw) | 41.04 | Gera formula | vehicles_per_hh × mean_commute_min (before normalisation) |
| GSACCI (normalised 0-100) | 51 | Gera formula | Min-max normalised across 51 states. 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 York Auto-Cost Context Explorer
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Gera State Auto-Cost Context Index (GSACCI)
Auto-cost context signal
New York has a High auto-cost context. More vehicles per household and longer average commutes than many states. Consider reviewing coverage levels and comparing providers.
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 York auto-insurance cost context: frequently asked questions
- What does a GSACCI of 51/100 mean for New York?
- A GSACCI of 51/100 places New York in the "High Context" band. New York has above-average vehicle density (1.2441 veh/HH) and commute time (32.99 min), placing it above the national mean GSACCI of 65.8/100.
- Where does New York rank nationally for auto-cost context?
- New York ranks 41 of 51 US states and DC on the Gera State Auto-Cost Context Index. The national mean GSACCI is 65.8/100. New York's GSACCI is 51/100 — 14.8 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 New York households have no vehicle?
- 29.1% of New York households have no vehicle available, according to Census ACS 2022 (B08201). New York has 7,774,308 total households and 8,040,331 commuting workers.
States near New York 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.