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Youse Survey in August 2025 Shows Significant Differences in Prices of the Most Popular Compact Hatchback Policies
A survey conducted by insurtech Youse in August 2025 revealed important data about the average insurance costs of the most sold used cars in Brazil. The study highlighted the direct impact of these policies on drivers’ budgets.
The considered profile was specific: 38-year-old man, resident of São Paulo, personal use of the vehicle, and zero bonus class. The results showed striking contrasts among the five most sought-after compact hatchbacks. Thus, it became evident how the choice of model can weigh on the consumer’s wallet.
Fiat Argo Surprises with Highest Insurance Cost
According to the Youse survey, the Fiat Argo had an average insurance cost of R$ 2,941.02. The model ranks first as the used car with the highest policy cost on the list.
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This high amount occurs mainly due to the high repair cost and the high demand in the used car market. These factors together increase policy prices.
Although it is not the most modern in technology, the Argo remains valued for its mechanical reliability and affordable maintenance. In 2025, its 1.0 version was certified in the Sustainable Car Program, reinforcing its presence in the market.
Volkswagen Polo Shows Lowest Average Cost
The Volkswagen Polo appeared with an average insurance cost of R$ 2,256.63, according to Youse. This amount places it among the most attractive models for those seeking protection without spending much.
With a 1.0 flex three-cylinder engine and a five-speed manual transmission, the Polo delivers up to 84 hp and 10.3 kgfm of torque. Although not sporty, it ensures consistent performance. It accelerates from 0 to 100 km/h in 13.4 seconds and reaches a top speed of 169 km/h, according to official data released by Volkswagen in 2025.
Ford Ka Remains Relevant Even Out of Production
The survey placed the Ford Ka in third place, with an average insurance cost of R$ 2,631.53. Even out of production since 2021, the hatch still maintains a strong presence in the used market.
This amount places it in an intermediate position in the ranking. It is not the most expensive, but also not the cheapest. The result shows that the model remains relevant.
The good demand for the Ford Ka reflects its liquidity in the secondary market. Thus, it remains a balanced alternative for those seeking moderate insurance costs combined with affordable prices.
Hyundai HB20 Reinforces Prominent Position
The Hyundai HB20 ranked second, with an average insurance cost of R$ 2,516.51. The hatch continues to be one of the best-selling and most valued in Brazil.
In the Comfort version, the model benefited from the Sustainable Car Program in 2025. The price dropped from R$ 94,590 to R$ 84,990 after tax cuts. Additionally, Hyundai confirmed significant changes starting in 2026, which may influence its value and future policies.
The HB20 stands out for its balanced package. It features an 8-inch multimedia center compatible with Android Auto and Apple CarPlay, electric steering, air conditioning, and electric front windows. For safety, it includes stability and traction controls, as well as a hill start assist.
Chevrolet Onix Remains Market Leader
Leading the market, the Chevrolet Onix recorded an average insurance cost of R$ 2,657.87. The hatch remains the most sold used car in Brazil.
Although it does not have the cheapest insurance, it combines popularity, wide availability of parts, and predictable maintenance. These factors ensure its strength in the market.
The Onix features a 1.0 aspirated flex four-cylinder engine, which delivers adequate performance for daily use. According to data from Fenabrave, it was the best-selling car in the country in 2025.
Direct Comparison of Average Values
- Fiat Argo – R$ 2,941.02
- Volkswagen Polo – R$ 2,256.63
- Ford Ka – R$ 2,631.53
- Hyundai HB20 – R$ 2,516.51
- Chevrolet Onix – R$ 2,657.87
Insurance as a Decisive Factor in Purchase
The Youse survey in August 2025 showed that the difference between insurances can exceed R$ 600. This variation reinforces the importance of this cost in the buying decision.
Therefore, it is clear that assessing the insurance price is as important as analyzing the value of the used car. This recurring expense can significantly impact the budget.
Even with higher prices, models such as Fiat Argo and Chevrolet Onix remain among the favorites. They combine trust, liquidity, and a wide maintenance network.
And for you: what matters more when choosing a used car — cheaper insurance or the model’s popularity and appreciation in the market?
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