Ford Fiesta vs Vauxhall Astra: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): -8 pts — Vauxhall Astra is riskier by 8 index points. MOT fail-rate difference: -6 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Ford Fiesta or the Vauxhall Astra?
The Vauxhall Astra (GVRI 44/100) is 8 index points riskier than the Ford Fiesta (GVRI 36/100) according to the Gera Risk Comparison Delta — a 6.0 percentage-point difference in MOT fail rates from 2016 DVSA data. UK fleet average GVRI: 37/100. Source: DVSA Anonymised MOT data (2016), OGL v3.0.
Ford Fiesta vs Vauxhall Astra: side-by-side risk data (2016)
| Measure | Ford Fiesta | Vauxhall Astra | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 36/100 | 44/100 | -8 pts |
| Risk band | Moderate Risk | Moderate Risk | Vauxhall Astra riskier |
| MOT fail rate | 24.9% | 31.0% | -6 pp |
| MOT tests in dataset | 1,131,622 | 899,971 | — |
| Failed tests | 281,938 | 278,613 | — |
| Avg defect severity | 1.06 | 1.05 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | -1 pts below avg | +7 pts above avg | — |
GRCD = GVRI(A) − GVRI(B). GVRI = 0.6 × MOT_fail_rate + 0.4 × avg_defect_severity_norm, 0–100. Class-4 (car) normal tests only. N ≥ 30. Source: DVSA MOT 2016, OGL v3.0.
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Ford Fiesta vs Vauxhall Astra insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Ford Fiesta vs Vauxhall Astra?
- The Gera Risk Comparison Delta (GRCD) for the Ford Fiesta vs Vauxhall Astra is -8 index points, computed from GVRI(Ford Fiesta) = 36/100 and GVRI(Vauxhall Astra) = 44/100. The Vauxhall Astra is the higher-risk model by 8 GVRI points based on DVSA MOT 2016 data (OGL v3.0).
- What is the Ford Fiesta GVRI?
- The Ford Fiesta Gera Vehicle Risk Index (GVRI) is 36/100 (Moderate Risk), with a MOT fail rate of 24.9% from 1,131,622 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- What is the Vauxhall Astra GVRI?
- The Vauxhall Astra Gera Vehicle Risk Index (GVRI) is 44/100 (Moderate Risk), with a MOT fail rate of 31.0% from 899,971 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Ford Fiesta or Vauxhall Astra?
- Based on DVSA MOT data, the Ford Fiesta (GVRI 36/100, Moderate Risk) has a lower modelled insurance risk than the Vauxhall Astra (GVRI 44/100) by 8 index points — a 6.0 percentage-point MOT fail-rate difference. However, actual premiums also depend on driver age, no-claims bonus, postcode, annual mileage and policy type.
- How is the GRCD calculated?
- GRCD = GVRI(Car A) − GVRI(Car B). GVRI = 0.6 × MOT_fail_rate + 0.4 × avg_defect_severity_norm, min-max scaled 0–100. All inputs are from the DVSA Anonymised MOT Test Results dataset (2016, OGL v3.0). Only make+model combinations with N ≥ 30 tests are included. Full methodology is on the Gera Risk Comparison Delta methodology page.
Methodology
The Gera Risk Comparison Delta for Ford Fiesta vs Vauxhall Astra is the difference between their GVRI scores: GRCD = GVRI(Ford Fiesta) − GVRI(Vauxhall Astra) = 36 − 44 = -8 pts. GVRI = 0.6 × MOT_fail_rate + 0.4 × avg_defect_severity_norm, min-max scaled 0–100, from DVSA Anonymised MOT Tests (class-4, 2016, OGL v3.0). Full formula and verification steps on the methodology page.
Contains public sector information published by Driver and Vehicle Standards Agency (DVSA) and licensed under the Open Government Licence v3.0. Source: DVSA Anonymised MOT Test Results — DfT (2016, published 2016).