We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.
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
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.
Compare all car makes & models
Which car insurance provider is best for me?
Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.
Question 1 of 2
Read more on this topic
-
Noblr car insurance review Noblr car insurance offers monthly premium discounts based on your safe driving habits.
-
Compare carshare car insurance Make sure the free insurance offered by carshare services is enough protection for you.
-
Compare car insurance for self-employed drivers Self-employed drivers need to balance getting the best rates with protecting their business.
-
Compare Allstate car insurance discounts You could save well over 30% by taking advantage of Allstate’s numerous car insurance discounts.
-
Compare Liberty Mutual car insurance discounts Save extra money with Liberty Mutual by taking advantage of its numerous car insurance discounts.
-
Which gas should you use in your car? When should you use regular, premium or E85 gas? And what if you use the wrong kind?
-
How does car insurance cover additional drivers? Insurance should cover drivers listed on your policy, but double-check how your company handles unnamed drivers.
-
Compare car insurance with accidental death benefits An accidental death benefits rider can help cover funeral expenses after a fatal car accident.
-
Does driver assist technology affect car insurance? Driver assist technology won’t discount your insurance premium, but it could save your life.
-
Ferrari LaFerrari car insurance rates You can expect to pay a lot to buy — and insure — this hybrid hypercar from Ferrari.
Ask an Expert