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Smart Insurance Rates

What to expect when insuring a Smart car

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Average insurance cost for a Smart

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.

Find your Smart Car model

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Name Product Roadside assistance New car protection Available states
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Included free
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Yes, cars under 1 year old & 15,000 miles
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.

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How a Smart Car affects the cost of insurance

Insurance companies look at several car-related factors when determining the cost of insurance, including the car’s safety ratings, its likelihood of being stolen, and replacement costs and overall damage susceptibility.

A Smart car’s good safety ratings as well as its low price tag help to keep insurance costs down.

Other factors that affect the cost of insurance include the model, mileage and trim package. Personal factors like your driving history, credit score and age also play roles.

Pros and cons of insuring a Smart Car


  • Good safety ratings
  • Not costly to repair or replace


  • Fully electric cars can be more expensive to insure

About the Smart brand

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

The company continues to evolve and grow an audience of loyal fans.

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.

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 competitors

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

Compare all car makes

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

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