{
  "meta": {
    "slug": "the-coverage-tax",
    "name": "Auto Insurance Inflation Premium (Auto CPI minus Overall CPI)",
    "branded_name": "The Coverage Tax",
    "description": null,
    "source": "Computed from U.S. Bureau of Labor Statistics Motor Vehicle Insurance CPI and All Items CPI",
    "source_credit": null,
    "source_url": "https://data.bls.gov/timeseries/CUSR0000SETE",
    "frequency": "monthly",
    "units": "percentage_points",
    "fred_series_id": null,
    "fred_edge_series_id": null,
    "bls_series_id": null,
    "series_id": null,
    "measurement_basis": "Percentage-point difference between year-over-year changes in the seasonally adjusted Bureau of Labor Statistics Motor Vehicle Insurance CPI (CUSR0000SETE) and seasonally adjusted all-items CPI-U (CPIAUCSL); seasonally adjusted values may be revised",
    "door": 0,
    "trend": "falling",
    "trend_suppressed": null,
    "series_breaks": [],
    "direction": "higher_is_worse",
    "last_updated": "2026-10-14T00:00:00Z",
    "stale": false,
    "stale_reason": null,
    "data_status": "current",
    "page_url": "https://americandefault.org/indicators/the-coverage-tax/",
    "attribution": "American Default (americandefault.org) — Our analysis is free to use with attribution to American Default Research. Source data stays under each publisher's terms; cite the source named here."
  },
  "current": {
    "value": -8.7005,
    "date": "2026-09-01"
  },
  "last_verified": null,
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