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Smart Fortwo insurance rates

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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, about half the national average. 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 Safe driver discount Available states
Progressive
Progressive
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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Metromile
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
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More Info
Root
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
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.
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Geico
Geico
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
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More Info
The Hartford
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
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More Info
Liberty Mutual
Liberty Mutual
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
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More Info
Gabi
Gabi
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
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More Info
Clearcover
Clearcover
Optional
No
AZ, CA, IL, UT
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.
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More Info

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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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