What does a GSACCI of 85.5/100 mean for Washington?

A GSACCI of 85.5/100 places Washington in the "Very High Context" band. States in this band have high vehicle ownership density (1.9511 veh/HH) combined with longer commutes (26.29 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 Washington rank nationally for auto-cost context?

Washington ranks 5 of 51 US states and DC on the Gera State Auto-Cost Context Index. The national mean GSACCI is 65.8/100. Washington's GSACCI is 85.5/100 — 19.7 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 Washington households have no vehicle?

6.85% of Washington households have no vehicle available, according to Census ACS 2022 (B08201). Washington has 3,079,953 total households and 3,057,469 commuting workers.

GeraSure / US Auto Cost Context / Washington

Washington: Auto-Insurance Cost Context

Gera State Auto-Cost Context Index: 85.5/100 (Very High Context) · Rank: #5 of 51 · 1.9511 vehicles/HH · 26.29-min commute. Risk-context signals only — not a premium quote.

Reference: ACS 2022 / BLS 2025· US Census ACS 2022 + BLS CPI CUUR0000SETD01 · US public domain · FIPS 53

What is the auto-insurance cost context for Washington?

Washington has a Gera State Auto-Cost Context Index (GSACCI) of 85.5/100 (Very High Context), ranking 5 of 51 states. Based on Census ACS 2022: 1.9511 vehicles per household and a 26.29-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.

Source:US Census ACS 2022 1-Year Summary File — Tables B08201, B08013, B08303·as of ACS 2022 / BLS 2025updated annually (last: 20 June 2026)

Gera State Auto-Cost Context Index85.5 / 100Very High Context auto-cost context — Washington (Census ACS 2022). Not a premium quote.How this index is calculated

GSACCI components — Washington (ACS 2022 / BLS 2025)

Gera GSACCI components — Washington (Census ACS 2022 + BLS CPI)
Signal	Value	Source	What it measures
Vehicles per household	1.9511	ACS B08201	Vehicle density — estimated vehicles divided by total households
Mean commute time (minutes)	26.29	ACS B08013 / B08303	Average one-way commute: aggregate person-minutes ÷ total workers
Households with no vehicle	6.85%	ACS B08201	Percentage of households without any vehicle available
GSACCI (raw)	51.29	Gera formula	vehicles_per_hh × mean_commute_min (before normalisation)
GSACCI (normalised 0-100)	85.5	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.

Washington Auto-Cost Context Explorer

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Gera State Auto-Cost Context Index (GSACCI)

85.5/ 100Very High Context

Auto-cost context signal

Washington 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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Washington auto-insurance cost context: frequently asked questions

What does a GSACCI of 85.5/100 mean for Washington?: A GSACCI of 85.5/100 places Washington in the "Very High Context" band. States in this band have high vehicle ownership density (1.9511 veh/HH) combined with longer commutes (26.29 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 Washington rank nationally for auto-cost context?: Washington ranks 5 of 51 US states and DC on the Gera State Auto-Cost Context Index. The national mean GSACCI is 65.8/100. Washington's GSACCI is 85.5/100 — 19.7 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 Washington households have no vehicle?: 6.85% of Washington households have no vehicle available, according to Census ACS 2022 (B08201). Washington has 3,079,953 total households and 3,057,469 commuting workers.

States near Washington in GSACCI ranking

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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.