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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 Roadside assistance New car protection Accident forgiveness Available states
Optional
Yes, 3 years accident free
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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.
Optional
Yes, 5 years accident free or bought
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Yes, history based
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 20 states.
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.
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.
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

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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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