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Average Smart Fortwo insurance rates

Smart Fortwo Insurance Finder

The average insurance costs for a Smart Fortwo is only $600 a year. A 2017 Smart Fortwo starts at a base price of $14,650 with an annual insurance cost–to–base car price ratio at a low 4%, making the Smart Fortwo one of the cheapest cars to insure.

Compare insurance for your Smart Fortwo

Name Product Description Roadside assistance New car protection Available states
Progressive
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
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Allstate
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
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Liberty Mutual
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
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Metromile
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
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Farmers
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
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Esurance
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
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Root
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
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The General
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
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SafeAuto
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
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Direct
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
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Elephant
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
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Nationwide
Nationwide
Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.
Optional
Yes, cars under 2 years old
All states except AK, DE, HI, NH, MT, VT, WY
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State Farm
State Farm
Get personalized, one-on-one support from your local State Farm agent.
Optional
Yes
All 50 states
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About the Smart Fortwo

The Smart Fortwo has been around since 1998 and it is currently in its third generation. The subcompact car is known for its excellent fuel economy, small size and easy maneuverability. By early 2015, the company has produced more than 1.7 million Fortwo models worldwide.

Insurance companies determine the insurance cost for a Smart Fortwo based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on your driving history and location. If you’re considering a Smart Fortwo, grab quotes from several insurance companies to find the lowest premium possible before you commit. Do your research to see if you qualify for insurance discounts.

Smart Fortwo money-saving safety features

You could save money on car insurance for your Smart Fortwo if it comes equipped with these safety features.

  • Anti-lock brakes
  • Stability control
  • Airbags
  • Seatbelt pretensioners
  • Anti theft system

How safe is the Smart Fortwo?

The 2017 Smart Fortwo received a 4-Star Overall Safety Rating from the National Highway Traffic Safety Administration (NHTSA). The side crash test received five stars, the highest possible rating, from the NHTSA. The government organization also awarded a four star safety rating for the frontal crash test and the rollover crash test. The Insurance Institute for Highway Safety only rated the moderate overlap front crash test and the side impact crash test, both of which received the highest possible safety rating.

The Smart Fortwo model includes a proximity warning system, rear parking assistance and crosswind assistance.

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