Honda Civic vs Toyota Yaris: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): +8 pts — Honda Civic is riskier by 8 index points. MOT fail-rate difference: +5.7 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Honda Civic or the Toyota Yaris?
The Honda Civic (GVRI 37/100) is 8 index points riskier than the Toyota Yaris (GVRI 29/100) according to the Gera Risk Comparison Delta — a 5.7 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.
Honda Civic vs Toyota Yaris: side-by-side risk data (2016)
| Measure | Honda Civic | Toyota Yaris | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 37/100 | 29/100 | +8 pts |
| Risk band | Moderate Risk | Low Risk | Honda Civic riskier |
| MOT fail rate | 26.0% | 20.2% | +5.7 pp |
| MOT tests in dataset | 370,384 | 363,893 | — |
| Failed tests | 96,136 | 73,649 | — |
| Avg defect severity | 1.04 | 1.03 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | 0 pts below avg | -8 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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Honda Civic vs Toyota Yaris insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Honda Civic vs Toyota Yaris?
- The Gera Risk Comparison Delta (GRCD) for the Honda Civic vs Toyota Yaris is +8 index points, computed from GVRI(Honda Civic) = 37/100 and GVRI(Toyota Yaris) = 29/100. The Honda Civic is the higher-risk model by 8 GVRI points based on DVSA MOT 2016 data (OGL v3.0).
- What is the Honda Civic GVRI?
- The Honda Civic Gera Vehicle Risk Index (GVRI) is 37/100 (Moderate Risk), with a MOT fail rate of 26.0% from 370,384 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- What is the Toyota Yaris GVRI?
- The Toyota Yaris Gera Vehicle Risk Index (GVRI) is 29/100 (Low Risk), with a MOT fail rate of 20.2% from 363,893 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Honda Civic or Toyota Yaris?
- Based on DVSA MOT data, the Toyota Yaris (GVRI 29/100, Low Risk) has a lower modelled insurance risk than the Honda Civic (GVRI 37/100) by 8 index points — a 5.7 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 Honda Civic vs Toyota Yaris is the difference between their GVRI scores: GRCD = GVRI(Honda Civic) − GVRI(Toyota Yaris) = 37 − 29 = +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).