GeraSure / US Auto Cost Context / South Dakota
South Dakota: Auto-Insurance Cost Context
Gera State Auto-Cost Context Index: 40.3/100 (Moderate Context) · Rank: #47 of 51 · 2.0779 vehicles/HH · 18.23-min commute. Risk-context signals only — not a premium quote.
What is the auto-insurance cost context for South Dakota?
South Dakota has a Gera State Auto-Cost Context Index (GSACCI) of 40.3/100 (Moderate Context), ranking 47 of 51 states. Based on Census ACS 2022: 2.0779 vehicles per household and a 18.23-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 Dakota (ACS 2022 / BLS 2025)
| Signal | Value | Source | What it measures |
|---|---|---|---|
| Vehicles per household | 2.0779 | ACS B08201 | Vehicle density — estimated vehicles divided by total households |
| Mean commute time (minutes) | 18.23 | ACS B08013 / B08303 | Average one-way commute: aggregate person-minutes ÷ total workers |
| Households with no vehicle | 5% | ACS B08201 | Percentage of households without any vehicle available |
| GSACCI (raw) | 37.88 | Gera formula | vehicles_per_hh × mean_commute_min (before normalisation) |
| GSACCI (normalised 0-100) | 40.3 | 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.
South Dakota Auto-Cost Context Explorer
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Gera State Auto-Cost Context Index (GSACCI)
Auto-cost context signal
South 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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South Dakota auto-insurance cost context: frequently asked questions
- What does a GSACCI of 40.3/100 mean for South Dakota?
- A GSACCI of 40.3/100 places South Dakota in the "Moderate Context" band. South Dakota has near-average vehicle density and commute time signals. Standard auto coverage review applies.
- Where does South Dakota rank nationally for auto-cost context?
- South Dakota ranks 47 of 51 US states and DC on the Gera State Auto-Cost Context Index. The national mean GSACCI is 65.8/100. South Dakota's GSACCI is 40.3/100 — 25.5 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 South Dakota households have no vehicle?
- 5% of South Dakota households have no vehicle available, according to Census ACS 2022 (B08201). South Dakota has 368,300 total households and 414,249 commuting workers.
States near South 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.