GeraSure / US Auto Cost Context / West Virginia
West Virginia: Auto-Insurance Cost Context
Gera State Auto-Cost Context Index: 74.6/100 (High Context) · Rank: #19 of 51 · 1.7885 vehicles/HH · 26.86-min commute. Risk-context signals only — not a premium quote.
What is the auto-insurance cost context for West Virginia?
West Virginia has a Gera State Auto-Cost Context Index (GSACCI) of 74.6/100 (High Context), ranking 19 of 51 states. Based on Census ACS 2022: 1.7885 vehicles per household and a 26.86-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 — West Virginia (ACS 2022 / BLS 2025)
| Signal | Value | Source | What it measures |
|---|---|---|---|
| Vehicles per household | 1.7885 | ACS B08201 | Vehicle density — estimated vehicles divided by total households |
| Mean commute time (minutes) | 26.86 | ACS B08013 / B08303 | Average one-way commute: aggregate person-minutes ÷ total workers |
| Households with no vehicle | 8.03% | ACS B08201 | Percentage of households without any vehicle available |
| GSACCI (raw) | 48.04 | Gera formula | vehicles_per_hh × mean_commute_min (before normalisation) |
| GSACCI (normalised 0-100) | 74.6 | 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.
West Virginia Auto-Cost Context Explorer
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Gera State Auto-Cost Context Index (GSACCI)
Auto-cost context signal
West Virginia 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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West Virginia auto-insurance cost context: frequently asked questions
- What does a GSACCI of 74.6/100 mean for West Virginia?
- A GSACCI of 74.6/100 places West Virginia in the "High Context" band. West Virginia has above-average vehicle density (1.7885 veh/HH) and commute time (26.86 min), placing it above the national mean GSACCI of 65.8/100.
- Where does West Virginia rank nationally for auto-cost context?
- West Virginia ranks 19 of 51 US states and DC on the Gera State Auto-Cost Context Index. The national mean GSACCI is 65.8/100. West Virginia's GSACCI is 74.6/100 — 8.8 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 West Virginia households have no vehicle?
- 8.03% of West Virginia households have no vehicle available, according to Census ACS 2022 (B08201). West Virginia has 736,341 total households and 660,648 commuting workers.
States near West Virginia 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.