Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Compare hatchback insurance

Choose your model wisely and you could get a lower insurance rate.

Updated

Fact checked

Today’s hatchbacks pay little homage to the Pintos and Gremlins of the past, but they’re still some of the least expensive cars to insure. The standard hatchback’s light body weight and economy engine can save you on gas and even your insurance premium. But with so many hatchback models on the market, you still need to choose wisely to keep your premium down.

What kind of hatchback coverage do I need?

Your state’s insurance requirements may vary, but you’ll typically need:

  • Liability. Driving a smaller car doesn’t keep you from causing big damage in an accident, which is why most states require this coverage regardless of your car’s body type.
  • Uninsured motorist. Uninsured or underinsured motorist coverage is often required by your state. But even if it’s not, it’s a good idea to make sure you’re not stuck paying out-of-pocket for repairs to your hatchback.
  • Personal injury protection (PIP). With higher rate of injury from accidents involving subcompact cars, PIP provides coverage for medical costs regardless of who’s at fault.

What hatchback add-on coverage should I consider?

Driving a hatchback comes with special considerations that these insurance add-ons might help you navigate:

  • Collision. If your hatchback is your daily driver, consider adding collision coverage to repair your car after an accident. You’ll need this if you have a car loan or lease.
  • Comprehensive. Usually optional unless you have a loan, a comprehensive policy covers damages to your car that happen while you’re not driving it, such as theft, weather damage or vandalism. And with the open view of the cargo space that most hatchbacks have, this coverage can provide for losses from a break-in.
  • Glass replacement. With the extra windows around the hatch area, this coverage might come in handy, should any cracks or chips occur.
  • Gap insurance. If you bought a new hatchback, having gap insurance covers you so you’re not left paying off a loan that’s worth more than its depreciated value.

Compare car insurance for your hatchback

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
loading

Compare up to 4 providers

Do different kinds of hatchbacks have different insurance requirements?

Different models might make a difference in your insurance rates.

  • Luxury hatchback. A luxury car comes with a luxury car’s insurance premium, regardless of model type.
  • Hatchback coupe. If you’re eyeing a coupe model hatchback, keep in mind that coupes are more expensive to insure and may come with a sports car reputation and insurance rates to match.
  • Hybrid hatchbacks. Hybrid hatchbacks are slightly more expensive to insure than their gas-powered equivalents because they are more expensive to repair and require specialty mechanics.
  • Electric hatchbacks. There aren’t too many electric hatchbacks on the market, which makes it hard to predict insurance rates. But electric cars historically cost more to insure than gas-powered cars for similar reasons to hybrids. New technology, specialty technicians and higher sticker prices increase your insurance rates.

How can I get cheap hatchback insurance?

Hatchbacks are typically listed among the cheapest cars to insure, but to find the lowest-price insurance, consider the following:

  • Avoid luxury cars. Luxury cars come with a higher sticker price and a larger insurance premium than standard vehicles. To keep your costs down, buy a cheaper hatchback.
  • Leave off the sporty upgrades. The newer hatchback body lines can include expensive add-ons that bring your insurance premiums up. Stick with the basics to keep insurance costs down.
  • Lower the horsepower. The low-power engine is what makes the hatchback one of the least expensive cars to insure. An increase in horsepower might negate your savings.
  • Safety first. Safety and antitheft features can help reduce your insurance rate, especially if your hatchback doesn’t have a privacy shelf or tonneau cover in the cargo area.

What should I watch out for?

One of the biggest drawbacks of a hatchback is the lack of privacy in the cargo area, which can lead to theft. If your model doesn’t have a privacy shelf, consider installing one.

Bottom line

Hatchback models are some of the cheapest cars to insure, mostly because of their small size and typically lower horsepower. But before you put that to the test, make sure you’re doing what you can to select a hatchback that will come with the lowest possible insurance premium. And with endless insurance options at your fingertips, shop around to find the deal that fits your needs best.

Frequently asked questions about hatchback insurance

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site