Nissan Micra vs Audi A3: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): +8 pts — Nissan Micra is riskier by 8 index points. MOT fail-rate difference: +6.6 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Nissan Micra or the Audi A3?
The Nissan Micra (GVRI 43/100) is 8 index points riskier than the Audi A3 (GVRI 35/100) according to the Gera Risk Comparison Delta — a 6.6 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.
Nissan Micra vs Audi A3: side-by-side risk data (2016)
| Measure | Nissan Micra | Audi A3 | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 43/100 | 35/100 | +8 pts |
| Risk band | Moderate Risk | Moderate Risk | Nissan Micra riskier |
| MOT fail rate | 30.4% | 23.8% | +6.6 pp |
| MOT tests in dataset | 359,370 | 274,914 | — |
| Failed tests | 109,163 | 65,362 | — |
| Avg defect severity | 1.03 | 1.06 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | +6 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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Get insurance quotes for the Audi A3 — lower-risk by 8 GVRI points
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Nissan Micra vs Audi A3 insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Nissan Micra vs Audi A3?
- The Gera Risk Comparison Delta (GRCD) for the Nissan Micra vs Audi A3 is +8 index points, computed from GVRI(Nissan Micra) = 43/100 and GVRI(Audi A3) = 35/100. The Nissan Micra is the higher-risk model by 8 GVRI points based on DVSA MOT 2016 data (OGL v3.0).
- What is the Nissan Micra GVRI?
- The Nissan Micra Gera Vehicle Risk Index (GVRI) is 43/100 (Moderate Risk), with a MOT fail rate of 30.4% from 359,370 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 Nissan Micra or Audi A3?
- Based on DVSA MOT data, the Audi A3 (GVRI 35/100, Moderate Risk) has a lower modelled insurance risk than the Nissan Micra (GVRI 43/100) by 8 index points — a 6.6 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 Nissan Micra vs Audi A3 is the difference between their GVRI scores: GRCD = GVRI(Nissan Micra) − GVRI(Audi A3) = 43 − 35 = +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).