{"_note": "Auto insurance cost tracker (build-insurance.py). states: [abbr, name, full_mo, min_mo] from ValuePenguin's 2026 state table (30-year-old, 2018 Civic, good credit, 55 insurers via Quadrant). cpi: BLS motor vehicle insurance index (CUUR0000SETE) via the BLS API; refresh with the CPI task on CPI day. Refresh the state table when ValuePenguin or Bankrate republish (twice a year).", "asof": "2026-07-08", "national": {"full_mo": 208, "full_yr": 2496, "min_mo": 76, "min_yr": 912}, "src": [["ValuePenguin: car insurance rates by state (2026)", "https://www.valuepenguin.com/car-insurance-by-state"], ["BLS CPI: motor vehicle insurance (CUUR0000SETE)", "https://data.bls.gov/timeseries/CUUR0000SETE"], ["BLS CPI: motor vehicle maintenance and repair (CUUR0000SETD)", "https://data.bls.gov/timeseries/CUUR0000SETD"]], "states": [["AL", "Alabama", 181, 66], ["AK", "Alaska", 170, 55], ["AZ", "Arizona", 236, 90], ["AR", "Arkansas", 225, 63], ["CA", "California", 221, 75], ["CO", "Colorado", 272, 84], ["CT", "Connecticut", 305, 141], ["DE", "Delaware", 302, 134], ["FL", "Florida", 311, 102], ["GA", "Georgia", 184, 77], ["HI", "Hawaii", 151, 50], ["ID", "Idaho", 148, 48], ["IL", "Illinois", 185, 67], ["IN", "Indiana", 166, 58], ["IA", "Iowa", 170, 41], ["KS", "Kansas", 225, 72], ["KY", "Kentucky", 208, 79], ["LA", "Louisiana", 327, 101], ["ME", "Maine", 129, 47], ["MD", "Maryland", 211, 96], ["MA", "Massachusetts", 181, 73], ["MI", "Michigan", 260, 90], ["MN", "Minnesota", 222, 71], ["MS", "Mississippi", 201, 64], ["MO", "Missouri", 221, 76], ["MT", "Montana", 211, 52], ["NE", "Nebraska", 193, 51], ["NV", "Nevada", 335, 164], ["NH", "New Hampshire", 134, 55], ["NJ", "New Jersey", 249, 137], ["NM", "New Mexico", 212, 71], ["NY", "New York", 226, 106], ["NC", "North Carolina", 147, 60], ["ND", "North Dakota", 180, 47], ["OH", "Ohio", 148, 55], ["OK", "Oklahoma", 214, 59], ["OR", "Oregon", 199, 95], ["PA", "Pennsylvania", 198, 62], ["RI", "Rhode Island", 276, 107], ["SC", "South Carolina", 190, 78], ["SD", "South Dakota", 196, 35], ["TN", "Tennessee", 176, 58], ["TX", "Texas", 247, 87], ["UT", "Utah", 224, 102], ["VT", "Vermont", 128, 40], ["VA", "Virginia", 169, 82], ["WA", "Washington", 219, 78], ["DC", "District of Columbia", 244, 101], ["WV", "West Virginia", 179, 65], ["WI", "Wisconsin", 168, 45], ["WY", "Wyoming", 131, 30]], "profile": "30-year-old man, 2018 Honda Civic EX, good credit, full coverage 50/100/50 with $500 deductibles", "cpi": {"sid": "CUUR0000SETE", "points": [["2017-01", 510.919], ["2017-02", 513.469], ["2017-03", 517.619], ["2017-04", 516.203], ["2017-05", 521.149], ["2017-06", 525.397], ["2017-07", 526.394], ["2017-08", 530.908], ["2017-09", 532.455], ["2017-10", 537.222], ["2017-11", 543.613], ["2017-12", 547.586], ["2018-01", 554.166], ["2018-02", 563.365], ["2018-03", 563.762], ["2018-04", 562.749], ["2018-05", 564.445], ["2018-06", 565.284], ["2018-07", 565.547], ["2018-08", 565.113], ["2018-09", 567.838], ["2018-10", 573.05], ["2018-11", 573.338], ["2018-12", 572.824], ["2019-01", 572.95], ["2019-02", 574.447], ["2019-03", 573.087], ["2019-04", 570.492], ["2019-05", 568.301], ["2019-06", 569.079], ["2019-07", 569.011], ["2019-08", 568.972], ["2019-09", 569.106], ["2019-10", 571.975], ["2019-11", 571.987], ["2019-12", 572.979], ["2020-01", 572.693], ["2020-02", 576.45], ["2020-03", 579.462], ["2020-04", 534.842], ["2020-05", 486.761], ["2020-06", 511.639], ["2020-07", 558.276], ["2020-08", 560.623], ["2020-09", 540.491], ["2020-10", 531.217], ["2020-11", 537.765], ["2020-12", 545.376], ["2021-01", 551.552], ["2021-02", 560.386], ["2021-03", 565.166], ["2021-04", 567.509], ["2021-05", 569.01], ["2021-06", 569.656], ["2021-07", 567.463], ["2021-08", 566.183], ["2021-09", 566.211], ["2021-10", 564.507], ["2021-11", 568.239], ["2021-12", 567.875], ["2022-01", 574.042], ["2022-02", 584.317], ["2022-03", 589.143], ["2022-04", 592.317], ["2022-05", 594.437], ["2022-06", 603.932], ["2022-07", 609.585], ["2022-08", 615.559], ["2022-09", 624.558], ["2022-10", 637.103], ["2022-11", 644.317], ["2022-12", 648.771], ["2023-01", 658.513], ["2023-02", 668.806], ["2023-03", 677.445], ["2023-04", 684.166], ["2023-05", 695.929], ["2023-06", 705.717], ["2023-07", 717.799], ["2023-08", 733.141], ["2023-09", 742.292], ["2023-10", 759.704], ["2023-11", 768.249], ["2023-12", 780.284], ["2024-01", 794.142], ["2024-02", 806.444], ["2024-03", 827.852], ["2024-04", 839.077], ["2024-05", 836.941], ["2024-06", 843.579], ["2024-07", 851.007], ["2024-08", 854.307], ["2024-09", 863.292], ["2024-10", 865.985], ["2024-11", 866.133], ["2024-12", 868.417], ["2025-01", 887.651], ["2025-02", 895.97], ["2025-03", 890.353], ["2025-04", 892.553], ["2025-05", 895.262], ["2025-06", 895.281], ["2025-07", 896.018], ["2025-08", 894.075], ["2025-09", 890.473], ["2025-12", 892.879], ["2026-01", 892.491], ["2026-02", 897.406], ["2026-03", 897.145], ["2026-04", 894.315], ["2026-05", 877.278], ["2026-06", 858.481], ["2026-07", 856.08], ["2026-08", 848.231], ["2026-09", 846.102]]}, "repair": {"sid": "CUUR0000SETD", "points": [["2017-01", 279.523], ["2017-02", 279.782], ["2017-03", 279.6], ["2017-04", 280.17], ["2017-05", 280.388], ["2017-06", 279.294], ["2017-07", 279.605], ["2017-08", 280.488], ["2017-09", 282.203], ["2017-10", 283.257], ["2017-11", 282.502], ["2017-12", 283.107], ["2018-01", 283.305], ["2018-02", 284.032], ["2018-03", 283.656], ["2018-04", 284.367], ["2018-05", 284.851], ["2018-06", 285.753], ["2018-07", 286.067], ["2018-08", 286.931], ["2018-09", 288.457], ["2018-10", 289.057], ["2018-11", 290.114], ["2018-12", 289.705], ["2019-01", 290.758], ["2019-02", 291.993], ["2019-03", 294.226], ["2019-04", 295.266], ["2019-05", 294.586], ["2019-06", 295.67], ["2019-07", 295.377], ["2019-08", 297.884], ["2019-09", 298.441], ["2019-10", 298.925], ["2019-11", 299.26], ["2019-12", 299.614], ["2020-01", 300.112], ["2020-02", 302.22], ["2020-03", 304.131], ["2020-04", 304.376], ["2020-05", 305.574], ["2020-06", 305.736], ["2020-07", 305.573], ["2020-08", 307.554], ["2020-09", 308.198], ["2020-10", 308.569], ["2020-11", 309.949], ["2020-12", 309.888], ["2021-01", 310.662], ["2021-02", 311.627], ["2021-03", 314.66], ["2021-04", 315.177], ["2021-05", 314.164], ["2021-06", 315.209], ["2021-07", 318.031], ["2021-08", 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["2025-06", 427.256], ["2025-07", 431.604], ["2025-08", 441.987], ["2025-09", 442.843], ["2025-11", 445.325], ["2025-12", 439.752], ["2026-01", 440.175], ["2026-02", 444.107], ["2026-03", 449.675], ["2026-04", 448.821], ["2026-05", 452.383], ["2026-06", 457.313], ["2026-07", 460.185], ["2026-08", 465.136], ["2026-09", 468.491]]}, "newveh": {"sid": "CUUR0000SETA01", "points": [["2017-01", 148.848], ["2017-02", 148.993], ["2017-03", 148.543], ["2017-04", 148.457], ["2017-05", 148.033], ["2017-06", 147.262], ["2017-07", 146.19], ["2017-08", 145.712], ["2017-09", 145.037], ["2017-10", 144.868], ["2017-11", 145.442], ["2017-12", 146.522], ["2018-01", 146.996], ["2018-02", 146.807], ["2018-03", 146.727], ["2018-04", 146.069], ["2018-05", 146.349], ["2018-06", 146.562], ["2018-07", 146.526], ["2018-08", 146.149], ["2018-09", 145.715], ["2018-10", 145.588], ["2018-11", 145.826], ["2018-12", 146.126], ["2019-01", 147.059], ["2019-02", 147.226], ["2019-03", 147.788], ["2019-04", 147.84], 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