Smart Car insurance rates

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The average insurance costs for a Smart Car is only $600 a year, making Smart Cars one of the cheapest cars to insure. Your exact cost will be determined by many factors, including your age, how much you drive in a year, your location and other factors. Filter car insurance companies by your state to get a quote.

A Smart car’s good safety ratings as well as its low price tag help to keep insurance costs down. It’s a cheap car to repair because parts are cheap and there’s not much to repair, so insurance rates will be low.

Other factors that affect the cost of insurance include the model, mileage and trim package. For Smart Cars, the Cabrio convertible models will be more expensive because convertibles are higher risk body types. The 2-door Coupe models will be slightly cheaper to insure.

The trim level will also affect your rates. Smart Cars have three trim levels to choose from, Pure, Passion and Prime. A higher MSRP will mean higher insurance rates, but there are extra safety features you can add on to the Passion and Prime models that will net you safety discounts. And the electric Smart Car will typically be cheaper to insure if you can get a hybrid or electric car discount.

Get the cheapest quotes for your car

Compare providers in your area.

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About Smart Cars

During the ’90s, Swatch and Mercedes joined together to develop their ideas for a new compact car, and by 1994 the first Smart car was in production. The company continues to evolve and grow an audience of loyal fans.

The company gets its name from a combination of the two brands: Swatch + Mercedes + art = Smart.

What is Car2Go?

This service allows drivers to rent a Smart car from an hour up to two days. Car2Go is available in select cities. Download the app and get on the road in your rented Smart car.

Smart car facts

• Smart Automobile was founded in 1994 and is known for manufacturing German cars.
• Smart cars have passed the highest global crash test standards.
• The maximum amount of people who can fit inside a Smart car is 20 people, according to the Guinness World Records.
• In 2013, the company launched the Smart electric drive in the United States.
• The Smart Fortwo is one of the most fuel efficient cars in the United States.

Smart Car competitors

Looking for other car brands? Find other car manufacturers similar to Smart Cars.

Bottom line

A Smart car’s good safety ratings and relatively affordable price tag make it an affordable car to insure. However, fully electric versions can increase the cost of insurance, so be sure to shop around to find the best car insurance for you.

Frequently asked questions about Smart Cars

• How did you get these rates?

  To determine our estimated cost, we aggregated quotes from insurance companies using this profile:

  • 2018 Smart
  • 10,001–15,000 miles driven yearly
  • No accidents in the past five years
  • Anti-theft device on vehicle
  • Driver located in New York
  • Good credit

• Are Smart vehicles safe?

  Yes, despite their small size, they get good safety ratings.

• Are Smart cars dependable?

  Generally, Smart cars get so-so reviews for dependability.

• What car-related factors affect the cost of insurance?

  A car’s safety record, the cost to repair and maintain the car and the car’s likelihood of being stolen all can affect the cost of car insurance.

• How can I finance a Smart car?

  If you’re looking for the most competitive rates, then you might want to take out a car loan from a bank, credit union or online lender. But if speed is your main concern, then you might want to finance directly through an authorized Smart dealership. Explore ways to finance a Smart car.