Smart Car insurance rates

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	Available states
Progressive		Optional			All 50 states	Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.	Go to site More Info	Compare	loading Fetching your data...
Metromile		Optional			AZ, CA, IL, NJ, OR, PA, VA, WA	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.	Go to site More Info	Compare	loading Fetching your data...
Geico		Optional			Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA, WY	As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA and WY.	Go to site More Info	Compare	loading Fetching your data...
Allstate					All 50 states	Enjoy having your own dedicated agent to help you get the best discounts and coverage.	Go to site More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			All 50 states	Car insurance through Liberty Mutual will give coverage options for almost any situation.	Go to site More Info	Compare	loading Fetching your data...
Root					AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT	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 24 states.	Go to site More Info	Compare	loading Fetching your data...
Esurance					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.	Go to site More Info	Compare	loading Fetching your data...
Farmers					All 50 states	Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.	Go to site More Info	Compare	loading Fetching your data...
The General		Optional			All states except Hawaii, Massachusetts, Michigan and New Jersey	The General offers affordable coverage for nearly any driver who needs car insurance.	Go to site More Info	Compare	loading Fetching your data...
Elephant		Optional			IL, IN, MD, TN, TX, VA	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.	Go to site More Info	Compare	loading Fetching your data...
SafeAuto					AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA	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.	Go to site More Info	Compare	loading Fetching your data...
Direct		Optional			AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA	Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.	Go to site More Info	Compare	loading Fetching your data...
Serenity		Optional			CO, DE, ID, IA, MD, MS, NE, NV, OH, TN, WA	Connects high-risk drivers to providers in its network offering affordable policies	Go to site More Info	Compare	loading Fetching your data...
Dairyland		Optional			All states except AK, LA, GA, HI, MA, MI, MT, NH, NJ, NY, ND, OK, RI	Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.	Go to site More Info	Compare	loading Fetching your data...

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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.

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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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