Smart Insurance Rates

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.

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Smart Fortwo

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Name	Product	Description	Roadside assistance	New car protection	Available states
Progressive		Progressive covers anything on wheels! Progressive offers coverage for cars, trucks, motorcycles and snowmobiles. Even Segways are covered.	Included free	Yes, cars under 3 year old & 15,000 miles	All 50 states	Go to site More Info	Compare	loading Fetching your data...
Allstate		Enjoy having your own dedicated agent to help you get the best discounts and coverage.	Included free	Yes, cars under 2 years old	All 50 states	Go to site More Info	Compare	loading Fetching your data...
Liberty Mutual		Car insurance through Liberty Mutual will give coverage options for almost any situation.	Optional	Yes, cars under 1 year old & 15,000 miles	All 50 states	Go to site More Info	Compare	loading Fetching your data...
Metromile		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.	Optional	Yes, cars under 1 year old & 15,000 miles	AZ, CA, IL, NJ, OR, PA, VA, WA	Go to site More Info	Compare	loading Fetching your data...
Farmers		Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.	Included free	Yes, cars under 2 years old	All 50 states	Go to site More Info	Compare	loading Fetching your data...
Esurance		Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.	Included free	Yes, cars under 1 year old & 15,000 miles	All states except AK, DE, HI, MT, NH, VT, WY	Go to site More Info	Compare	loading Fetching your data...
Root		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	No	AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT	Go to site More Info	Compare	loading Fetching your data...
The General		The General offers affordable coverage for nearly any driver who needs car insurance.	Optional	No	All states except Hawaii, Massachusetts, Michigan and New Jersey	Go to site More Info	Compare	loading Fetching your data...
SafeAuto		Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.	Included free	No	AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA	Go to site More Info	Compare	loading Fetching your data...
Direct		Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.	Optional	No	AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA	Go to site More Info	Compare	loading Fetching your data...
Elephant		Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.	Optional	Not specified	IL, IN, MD, TN, TX, VA	Go to site More Info	Compare	loading Fetching your data...

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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

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.

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

• 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.

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