Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Smart Fortwo insurance rates
Average Smart Fortwo insurance rates
Compare car insurance quotes
Enter your ZIP code below and click Compare to see the cheapest rates in your area.
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.
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
- Broad coverage, including for custom car parts or ridesharing
- Transparent pricing tools that help you buy within budget
- Accident forgiveness on small claims or for staying claim-free
- Stack a variety of discounts for multiple cars, autopay or homeownership
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
- 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.
More guides on Finder
How to get life insurance after a DUI or driving offense
A poor driving record may result in higher rates on your life insurance, with some insurers turning you away altogether.
Drivers aren’t seeing 100% of insurance savings while claims are down — Are more serious accidents to blame?
Preliminary data on fatal accidents and driving behavior could explain why drivers haven’t seen higher insurance refunds.
Electric vehicles in 2021: How new models, insurance rates and tax breaks affect their cost to own
See average EV insurance rates for 2021 based on Finder’s car model research, plus new models on the horizon.
How does a VIN affect car insurance?
Learn how insurance companies use identifying info from your VIN to set rates.
Compare full coverage vs. liability car insurance
Which type of car insurance policy fits your car and driving needs?
Car insurance for drivers 25 to 40 years old
Take advantage of the lowest minimum coverage rates by earning all the discounts you can.
Heacock Classic car insurance review February 2021
Insure your classic car or race car at agreed value with Heacock Classic, but you’ll have to look elsewhere if you have recent claims or major violations.
Say car insurance review Feb 2021
Offers a transparent look at your premiums and rewards renewal with a better insurance score.
Is online driver’s ed worth it?
Pick the right online driver’s ed program and learn how long it takes to complete one.
Compare Auto Insurance
Get cheap car insurance rates.
Ask an Expert