Real ChatGPT answer · index seedTF7XcZhmRM4completeInsurance · auto insuranceinformational

Why is the average cost of car insurance so much higher in some states compared to others even if you drive the exact same vehicle and have a clean record?

ChatGPTgpt-61 query11/1/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Why is the average cost of car insurance so much higher in some states compared to others even if you drive the exact same vehicle and have a clean record?
1 real search · 1 real-search pass
why car insurance rates vary by state insurance regulation claims costs uninsured drivers NAIC state factorsGoogle ↗
OBSERVEDReason

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (1)
Short factOther / navigationalComparisonConsequenceReason100%DefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model).

Searches and sources

ChatGPT1 real searches · gpt-6
why car insurance rates vary by state insurance regulation claims costs uninsured drivers NAIC state factors Google ↗

Queries

1 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
why car insurance rates vary by state insurance regulation claims costs uninsured drivers NAIC state factors
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1