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Smart Car insurance rates

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Julia Cameron
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Average insurance cost for a Smart Car

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.

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Smart Fortwo

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Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
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The AARP Auto Insurance Program from The Hartford
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
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More Info
USAA
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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Savvy
Savvy
Optional
Optional
Yes
All states & DC
Enter your current policy and get quotes in 30-seconds from 100+ companies, then get help to switch insurers for free.
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Root
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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Gabi
Gabi
Optional
Optional
Yes
All 50 states
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
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How a Smart Car affects the cost of insurance

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.

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.

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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