Smart Car insurance rates

Compare car insurance for Smart Cars

Last updated:

Smart EQ Fortwo

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Compare car insurance quotes

Enter your ZIP code below and click Compare to see the cheapest rates in your area.

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.

Get Smart Car insurance rates

Compare insurance for your Smart Car

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All 50 states & DC
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.

Compare up to 4 providers

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

Which car insurance provider is best for me?

Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.

Question 1 of 2

Based on your answers, check out:

Compare more car insurance companies

Read more on this topic

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site