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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 cost of a Smart across all models is $220 a month – or $2,640 a year. But 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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How a vehicle from Smart 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

Pros

  • Good safety ratings
  • Not costly to repair or replace

Cons

  • 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

  • Relatively new to the scene, Smart Automobile was founded in 1994.
  • The Smart Fortwo is one of the most fuel efficient cars in the United States.
  • Smart cars have passed the highest global crash test standards.

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.

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.

Companies that provide coverage for Smart

You’ll have no trouble finding an insurance provider that will insure your Smart car.

Name Product Roadside assistance New car protection
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
Allstate
Included free
Yes, cars under 2 years old
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

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Smart competitors

Looking for other car brands? Find other car manufacturers that are similar to Smart, or compare makes that are completely different.

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Frequently asked questions about Smart

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