Ford Ka vs Audi A3: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): +19 pts — Ford Ka is riskier by 19 index points. MOT fail-rate difference: +14.3 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Ford Ka or the Audi A3?
The Ford Ka (GVRI 54/100) is 19 index points riskier than the Audi A3 (GVRI 35/100) according to the Gera Risk Comparison Delta — a 14.3 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 Ka vs Audi A3: side-by-side risk data (2016)
| Measure | Ford Ka | Audi A3 | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 54/100 | 35/100 | +19 pts |
| Risk band | Moderate Risk | Moderate Risk | Ford Ka riskier |
| MOT fail rate | 38.0% | 23.8% | +14.3 pp |
| MOT tests in dataset | 304,663 | 274,914 | — |
| Failed tests | 115,873 | 65,362 | — |
| Avg defect severity | 1.04 | 1.06 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | +17 pts above avg | -2 pts below 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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The Audi A3 (GVRI 35/100) is 19 index points lower-risk than the Ford Ka from DVSA MOT data. GeraSure is building data-driven insurance comparison using real GVRI data. Join the waitlist to see what that means for your premium.
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Ford Ka vs Audi A3 insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Ford Ka vs Audi A3?
- The Gera Risk Comparison Delta (GRCD) for the Ford Ka vs Audi A3 is +19 index points, computed from GVRI(Ford Ka) = 54/100 and GVRI(Audi A3) = 35/100. The Ford Ka is the higher-risk model by 19 GVRI points based on DVSA MOT 2016 data (OGL v3.0).
- What is the Ford Ka GVRI?
- The Ford Ka Gera Vehicle Risk Index (GVRI) is 54/100 (Moderate Risk), with a MOT fail rate of 38.0% from 304,663 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- What is the Audi A3 GVRI?
- The Audi A3 Gera Vehicle Risk Index (GVRI) is 35/100 (Moderate Risk), with a MOT fail rate of 23.8% from 274,914 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Ford Ka or Audi A3?
- Based on DVSA MOT data, the Audi A3 (GVRI 35/100, Moderate Risk) has a lower modelled insurance risk than the Ford Ka (GVRI 54/100) by 19 index points — a 14.3 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 Ka vs Audi A3 is the difference between their GVRI scores: GRCD = GVRI(Ford Ka) − GVRI(Audi A3) = 54 − 35 = +19 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).