Honda Civic vs Volkswagen Passat: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): -5 pts — Volkswagen Passat is riskier by 5 index points. MOT fail-rate difference: -3 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Honda Civic or the Volkswagen Passat?
The Volkswagen Passat (GVRI 42/100) is 5 index points riskier than the Honda Civic (GVRI 37/100) according to the Gera Risk Comparison Delta — a 3.0 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.
Honda Civic vs Volkswagen Passat: side-by-side risk data (2016)
| Measure | Honda Civic | Volkswagen Passat | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 37/100 | 42/100 | -5 pts |
| Risk band | Moderate Risk | Moderate Risk | Volkswagen Passat riskier |
| MOT fail rate | 26.0% | 28.9% | -3 pp |
| MOT tests in dataset | 370,384 | 263,204 | — |
| Failed tests | 96,136 | 76,097 | — |
| Avg defect severity | 1.04 | 1.06 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | 0 pts below avg | +5 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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Get insurance quotes for the Honda Civic — lower-risk by 5 GVRI points
The Honda Civic (GVRI 37/100) is 5 index points lower-risk than the Volkswagen Passat 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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Honda Civic vs Volkswagen Passat insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Honda Civic vs Volkswagen Passat?
- The Gera Risk Comparison Delta (GRCD) for the Honda Civic vs Volkswagen Passat is -5 index points, computed from GVRI(Honda Civic) = 37/100 and GVRI(Volkswagen Passat) = 42/100. The Volkswagen Passat is the higher-risk model by 5 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 Volkswagen Passat GVRI?
- The Volkswagen Passat Gera Vehicle Risk Index (GVRI) is 42/100 (Moderate Risk), with a MOT fail rate of 28.9% from 263,204 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Honda Civic or Volkswagen Passat?
- Based on DVSA MOT data, the Honda Civic (GVRI 37/100, Moderate Risk) has a lower modelled insurance risk than the Volkswagen Passat (GVRI 42/100) by 5 index points — a 3.0 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 Honda Civic vs Volkswagen Passat is the difference between their GVRI scores: GRCD = GVRI(Honda Civic) − GVRI(Volkswagen Passat) = 37 − 42 = -5 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).