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The best hatchbacks for cheap insurance

  • Insurance bills needn’t be high with a compact family hatch
  • Our selection all start from between groups five and 13
  • Cheapest version to insure in each range identified

If you’re looking to buy a new, compact family hatchback, you’ll be faced with a massive choice. There are so many models available across UK showrooms that it’s easy to buy a hatch that’s capable of ferrying you, your partner, kids and luggage around safely, reliably and fuel-efficiently.

If you want to cut your costs further, find a car with a low insurance group. 

Here are our choices of great hatchback cars with low insurance: 

Choosing a car with a low insurance group can make a difference to costs. We’ve rounded up our favourite hatchbacks which don’t have inflated renewal premiums.

Volkswagen Golf (2013 on)

VW Golf - cheap to insure hatchbacks

Despite its upmarket feel and image, some versions of the Volkswagen Golf are available in insurance group seven. Not only is it the best compact family hatchback available, annual renewal premiums won’t cost the earth either. Prices for the VW are higher than many of the other choices here but running costs are lower than most with an economical range of engines.

Insurance groups for the mainstream Golf range rise up to 19, with the GTD, GTI and Golf R in higher bands, 26, 29 and 34 respectively, to reflect their performance credentials.

Sticking to group seven limits you to a single version in the range – the 1.2-litre TSI petrol in S specification. Its 84bhp isn’t as lethargic as you might fear – 0-60mph takes 11.5 seconds – and efficiency is good at a claimed 57mpg and 113g/km of CO2.

As standard you’ll find a 5.8-inch information touchscreen, DAB radio, Bluetooth connectivity and air-con.

Parkers star rating: 4.8
Insurance Group range: 7 to 38
Pick of the range: 1.2 TSI BlueMotion Technology S 5d (insurance group 7)
New price: £17,765 - £34,250
Used price: £5,490 - £28,505
Fuel economy: 37 - 83 mpg
Boot space: 380-1,270 litres 

View the latest VW Golf cars for sale

SEAT Leon (2013 on)

SEAT Leon - cheap to insure hatchbacks

Sharp, striking styling is a SEAT Leon hallmark, effectively disguising the fact that underneath the sheet metal the underpinnings and mechanical components are all but identical to the VW Golf’s.

This is no bad thing: the interior offers virtually the same amount of space for passengers and their luggage, although the suspension’s been retuned to be slightly firmer and sportier.

For the bulk of the SEAT compact hatch range insurance groups are higher than the Golf’s ranging from 12 to 36, with the flagship Leon Cupra in 33.

Similarly, it’s the lower-powered models that appeal most in terms of cheaper insurance premiums, explaining why we’ve selected the 1.2-litre TSI SE, with 108bhp. That makes it a little quicker than the VW at 9.6 seconds for the 0-60mph dash, although economy and emissions are almost identical to the Golf.

Choosing SE trim nets you 16-inch alloy wheels, cruise control and XDS – a system to dramatically reduce front wheel spin under acceleration.

Parkers star rating: 4.5
Insurance Group range: 12 to 36
Pick of the range: 1.2 TSI 110PS SE 5d (insurance group 13)
New price: £17,455 - £31,805
Used price: £5,090 - £18,830
Fuel economy: 40 - 78 mpg
Boot space: 380-1,270 litres 

View the latest SEAT Leon cars for sale

Kia Ceed (2012 on)

Kia Ceed - cheap to insure hatchbacks

Not only does the Kia Ceed come with the longest warranty in this top 10, it comes with one of the best reliability records too.

Built at Kia’s Slovakian plant, the five-door Ceed offers slightly more room for people and luggage than the Golf but can’t match the VW’s upmarket feel. The whole range falls between insurance groups six and 15, with the sportier Ceed GT ranked in group 29.

Nevertheless it’s well-assembled and even in entry-level ‘1’ specification we’ve chosen here for the low group seven insurance rating, it’s well equipped. As standard it features air-con, tinted glass, front fog lights and electric mirrors.

We’d choose the 1.4-litre CRDi diesel to go with it: performance is a tad pedestrian – 0-60mph takes 13 seconds – but efficiency benefits, with Kia claiming 67mpg and 109g/km of CO2 for this Ceed.

Parkers star rating: 4
Insurance Group range: 6 to 15
Pick of the range: 1.4 CRDi 1 5d (insurance group 8)
New price: £15,365 - £24,785
Used price: £4,530 - £17,230
Fuel economy: 46 - 78 mpg
Boot space: 380-1,318 litres 

View the latest Kia Ceed cars for sale

Hyundai i30 (2012-2017)

Hyundai i30 - cheap to insure hatchbacks

You’d struggle to tell from the outside but the Hyundai i30 shares its engines, gearbox and underpinnings with the Kia Ceed, which bodes well for reliability and longevity.

Hyundai’s warranty is different – five years to Kia’s seven – but the mileage is unlimited. Insurance starts at group six and runs to 13, with the more potent Hyundai i30 Turbo rated at 21.

In SE specification it’s generously-appointed featuring 16-inch alloy wheels, cruise control, rear parking sensors and leather wrapping for the steering wheel and gear knob.

Parkers star rating: 4
Insurance Group range: 8 to 13
Pick of the range: 1.4 Blue Drive SE (insurance group 7-8)
New price: £14,475 - £24,195
Used price: £3,860 - £14,490
Fuel economy: 41 - 78 mpg
Boot space: 378-1,316 litres 

View the latest Hyundai i30 cars for sale

Peugeot 308 (2014 on)

Peugeot 308 - cheap to insure hatchbacks

We’re fans of the Peugeot 308 and ran one as a long-termer during 2014, quickly appreciating its comfort, quality and minimalist dashboard, including its 9.7-inch touchscreen for the infotainment system.

Rear seat space in the 308 isn’t as generous as some rivals but the flip-side is that enormous 470-litre boot.

Insurance groups range from nine to 26 for the GT Line models but be aware that in order to benefit from the lowest band you have to choose the 308 in its most basic Access trim level. This means you’ll miss out on niceties such as the touchscreen but you still get air-con and DAB radio.

Power comes from a 1.2-litre three-cylinder petrol engine, serving up a 0-60mph time just under 13 seconds, with claims of 56mpg and 114g/km of CO2.

Parkers star rating: 4
Insurance Group range: 9 to 26
Pick of the range: 1.2 PureTech 82 Access (insurance group 9)
New price: £18,645 - £26,015
Used price: £5,265 - £15,570
Fuel economy: 48 - 88 mpg
Boot space: 470-1,309 litres 

View the latest Peugeot 308 cars for sale

Ford Focus (2011 on)

An overhaul in late 2014 reinvigorated the Ford Focus range and introduced a facelift which brought it visually into line with the Fiesta and Mondeo at the same time. Standard equipment and interior quality were significantly improved too, with many Focuses featuring Ford’s Sync2 infotainment system.

Insurance group-wise the Ford ranges between 6 and 40, with the potent Focus ST sitting in groups 24 to 36 depending on the level of specification.

Our choice is powered by the 99bhp edition of Ford’s 1-litre EcoBoost petrol, resulting in a 12.1-second 0-60mph time and claimed efficiency figures of 61mpg and 105g/km of CO2.

Parkers star rating: 4
Insurance Group range: 10 to 20
Pick of the range: 1.0T EcoBoost 100PS Titanium 5d (insurance group 12)
New price: £19,635 - £32,265
Used price: £3,920 - £34,070
Fuel economy: 36 - 83 mpg
Boot space: 316-1,215 litres 

View the latest Ford Focus cars for sale

Vauxhall Astra (2015 on)

Vauxhall Astra - cheap to insure hatchbacks

Now in its seventh generation, the recently-launched Vauxhall Astra has already impressed us with its low running costs, fine interior quality and the breadth of technology available, including OnStar – a virtual concierge service.

Starting at insurance group 6 and rising to 21, there is currently no replacement for the performance-oriented Astra VXR – the version on sale remains based on the previous model.

We’ve plumped for the entry-level Design specification for the Astra: it’s generously-appointed with features such as 16-inch alloy wheels, LED day running lights, air-con, cruise control and a seven-inch touchscreen for the infotainment system with DAB radio and Bluetooth connectivity.

Under the bonnet is a 1-litre, three-cylinder petrol engine producing 104bhp. Sprinting from 0-60mph takes a smidgen under 12 seconds, while Vauxhall claims 67mpg and CO2 emissions of just 96g/km when fitted with the Easytronic automatic gearbox.

Parkers star rating: 4
Insurance Group range: 6 to 21
Pick of the range: 1.0 Turbo ecoFLEX Design Easytronic automatic 5d (insurance group 11)
New price: £16,535 - £25,240
Used price: £8,915 - £15,235
Fuel economy: 46 - 85 mpg
Boot space: 370-1,210 litres 

View the latest Vauxhall Astra cars for sale

Mazda 3 (2013 on)

Mazda 3 - cheap to insure hatchbacks

Sharp styling, sound build quality and generous levels of equipment mark out the Mazda 3 range of hatchbacks. It follows the Japanese brand’s SkyActiv philosophy of weight-saving in order to boost efficiency, hence why it’s running a 1.5-litre petrol engine in our choice, rather than a smaller, turbocharged one like many rivals employ.

Even in that guise Mazda claims the 99bhp motor will average 55mpg as well as emitting 119g/km of CO2.

There’s no performance-centric version of the 3 available meaning the range sits between insurance groups 13 and 24. Our pick is the entry-level SE version which comes complete with an infotainment touchscreen, Bluetooth connectivity, air-con and all-round electric windows.

Parkers star rating: 4
Insurance Group range: 13 to 24
Pick of the range: 1.5 SE 5d (insurance group 13)
New price: £17,995 - £25,695
Used price: £7,580 - £16,775
Fuel economy: 48 - 74 mpg
Boot space: 364-1,263 litres 

View the latest Mazda 3 cars for sale

Honda Civic (2012-2017)

Honda Civic - cheap to insure hatchbacks

Visually distinctive inside and out, the previous version of the Honda Civic is also the model with the lowest insurance group banding, with 1.4-litre i-VTEC petrol versions slotting into band five. The manic Honda Civic Type R is in group 33.

We remain impressed by the Civic’s sheer practicality and flexibility: it already has one of the largest boots in this class but with the ‘Magic Seats’ in the back flipped up there’s a space large enough to carry a bike.

That 1.4-litre powerplant delivers adequate performance - 0-60mph takes 13 seconds, while efficiency is quoted at 52mpg and 129g/km of CO2.

Choose entry-level S specification and your Honda will come equipped with 16-inch alloy wheels, LED day running lights, climate control and all-round electric windows.

Parkers star rating: 3.5
Insurance Group range: 5 to 20
Pick of the range: 1.4 i-VTEC S 5d (insurance group 5)
New price: £18,635 - £24,820
Used price: £5,045 - £18,640
Fuel economy: 44 - 78 mpg
Boot space: 477-1,378 litres 

View the latest Honda Civic cars for sale

Toyota Auris (2012 on)

Toyota Auris - cheap to insure hatchbacks

While the Toyota Auris is far from the last word in driving pleasure, it does satisfy that group of buyers who rate reliability and ease of use highly in their priorities when buying a new car.

It’s a spacious range of five-door hatchbacks, with no performance derivative on offer, hence why insurance groups range from 6 to 16.

Only one version of the Auris falls into that bottom banding – the entry-level 1.33 Active. Toyota claims it’ll average 52mpg, while CO2 emissions are quoted at 128g/km.

Active trim doesn’t mean a paucity of standard equipment, though. Choose this one and your Auris comes with climate control, USB and auxiliary port sockets and electrically adjustable and heated mirrors.

Parkers star rating: 3.5
Insurance Group range: 7 to 16
Pick of the range: 1.33 Dual VVT-i Active 5d (insurance group 6)
New price: £16,655 - £27,305
Used price: £5,070 - £19,225
Fuel economy: 46 - 80 mpg
Boot space: 360-1,200 litres

View the latest Toyota Auris cars for sale

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