GeraSure / US Auto Cost Context / South Carolina
South Carolina: Auto-Insurance Cost Context
Gera State Auto-Cost Context Index: 77.1/100 (Very High Context) · Rank: #15 of 51 · 1.9066 vehicles/HH · 25.6-min commute. Risk-context signals only — not a premium quote.
What is the auto-insurance cost context for South Carolina?
South Carolina has a Gera State Auto-Cost Context Index (GSACCI) of 77.1/100 (Very High Context), ranking 15 of 51 states. Based on Census ACS 2022: 1.9066 vehicles per household and a 25.6-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 — South Carolina (ACS 2022 / BLS 2025)
| Signal | Value | Source | What it measures |
|---|---|---|---|
| Vehicles per household | 1.9066 | ACS B08201 | Vehicle density — estimated vehicles divided by total households |
| Mean commute time (minutes) | 25.6 | ACS B08013 / B08303 | Average one-way commute: aggregate person-minutes ÷ total workers |
| Households with no vehicle | 5.39% | ACS B08201 | Percentage of households without any vehicle available |
| GSACCI (raw) | 48.81 | Gera formula | vehicles_per_hh × mean_commute_min (before normalisation) |
| GSACCI (normalised 0-100) | 77.1 | 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.
South Carolina Auto-Cost Context Explorer
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Gera State Auto-Cost Context Index (GSACCI)
Auto-cost context signal
South Carolina 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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South Carolina auto-insurance cost context: frequently asked questions
- What does a GSACCI of 77.1/100 mean for South Carolina?
- A GSACCI of 77.1/100 places South Carolina in the "Very High Context" band. States in this band have high vehicle ownership density (1.9066 veh/HH) combined with longer commutes (25.6 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 South Carolina rank nationally for auto-cost context?
- South Carolina ranks 15 of 51 US states and DC on the Gera State Auto-Cost Context Index. The national mean GSACCI is 65.8/100. South Carolina's GSACCI is 77.1/100 — 11.3 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 South Carolina households have no vehicle?
- 5.39% of South Carolina households have no vehicle available, according to Census ACS 2022 (B08201). South Carolina has 2,136,080 total households and 2,168,122 commuting workers.
States near South Carolina 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.