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