Peugeot 307 vs Toyota Rav-4: Insurance Risk Comparison
Gera Risk Comparison Delta (GRCD): +26 pts — Peugeot 307 is riskier by 26 index points. MOT fail-rate difference: +18.7 pp. From 26,016,787 DVSA MOT tests (2016, OGL v3.0).
Which is riskier to insure — the Peugeot 307 or the Toyota Rav-4?
The Peugeot 307 (GVRI 57/100) is 26 index points riskier than the Toyota Rav-4 (GVRI 31/100) according to the Gera Risk Comparison Delta — a 18.7 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.
Peugeot 307 vs Toyota Rav-4: side-by-side risk data (2016)
| Measure | Peugeot 307 | Toyota Rav-4 | Difference (A − B) |
|---|---|---|---|
| Gera Vehicle Risk Index (GVRI) | 57/100 | 31/100 | +26 pts |
| Risk band | High Risk | Low Risk | Peugeot 307 riskier |
| MOT fail rate | 40.4% | 21.7% | +18.7 pp |
| MOT tests in dataset | 159,690 | 117,235 | — |
| Failed tests | 64,535 | 25,482 | — |
| Avg defect severity | 1.04 | 1.04 | 1=std, 3=dangerous |
| vs UK fleet GVRI (37/100) | +20 pts above avg | -6 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 Toyota Rav-4 — lower-risk by 26 GVRI points
The Toyota Rav-4 (GVRI 31/100) is 26 index points lower-risk than the Peugeot 307 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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Peugeot 307 vs Toyota Rav-4 insurance risk: frequently asked questions
- What is the Gera Risk Comparison Delta for the Peugeot 307 vs Toyota Rav-4?
- The Gera Risk Comparison Delta (GRCD) for the Peugeot 307 vs Toyota Rav-4 is +26 index points, computed from GVRI(Peugeot 307) = 57/100 and GVRI(Toyota Rav-4) = 31/100. The Peugeot 307 is the higher-risk model by 26 GVRI points based on DVSA MOT 2016 data (OGL v3.0).
- What is the Peugeot 307 GVRI?
- The Peugeot 307 Gera Vehicle Risk Index (GVRI) is 57/100 (High Risk), with a MOT fail rate of 40.4% from 159,690 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- What is the Toyota Rav-4 GVRI?
- The Toyota Rav-4 Gera Vehicle Risk Index (GVRI) is 31/100 (Low Risk), with a MOT fail rate of 21.7% from 117,235 class-4 DVSA MOT tests in 2016. The UK fleet average GVRI is 37/100.
- Which is cheaper to insure, the Peugeot 307 or Toyota Rav-4?
- Based on DVSA MOT data, the Toyota Rav-4 (GVRI 31/100, Low Risk) has a lower modelled insurance risk than the Peugeot 307 (GVRI 57/100) by 26 index points — a 18.7 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 Peugeot 307 vs Toyota Rav-4 is the difference between their GVRI scores: GRCD = GVRI(Peugeot 307) − GVRI(Toyota Rav-4) = 57 − 31 = +26 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).