Smart Fortwo insurance rates

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Average Smart Fortwo insurance rates

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.

• How we got these rates

  Your actual cost could be more or less depending on your driving record, the number of miles you drive in a year and other factors. To determine our estimated cost, we aggregated quotes from insurance companies using this profile:

  • 2017 Smart Fortwo
  • 10,001–15,000 miles driven yearly
  • No accidents in the past five years
  • Anti-theft device on vehicle
  • Driver located in New York
  • Good credit

  Our estimated price is for the state required minimum coverage which includes bodily injury, property damage, uninsured motorist, bodily injury and personal injury protection.

  Other factors that can affect your auto insurance rate

  • Smart Fortwo’s model year
  • Vehicle’s trim
  • Amount of coverage you need
  • Estimated miles your drive in a year
  • Safety and anti-theft features
  • Driver’s credit score and location
  • Driver’s age, marital status and gender
  • Driver’s driving history in the past five years
  • Whether the driver rents, leases or owns the vehicle

Compare insurance for your Smart Fortwo

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Available states
Progressive		Optional			All 50 states	Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.	Go to site More Info	Compare	loading Fetching your data...
Metromile		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.	Go to site More Info	Compare	loading Fetching your data...
Allstate					All 50 states	Enjoy having your own dedicated agent to help you get the best discounts and coverage.	Go to site More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			All 50 states	Car insurance through Liberty Mutual will give coverage options for almost any situation.	Go to site More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		All 50 states	Compare the cheapest insurance policies in under 2 minutes and manage your policies in one place.	Go to site More Info	Compare	loading Fetching your data...
Root					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 24 states.	Go to site More Info	Compare	loading Fetching your data...
Esurance					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.	Go to site More Info	Compare	loading Fetching your data...
Farmers					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.	Go to site More Info	Compare	loading Fetching your data...
Clearcover		Optional			CA, IL	A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.	Go to site More Info	Compare	loading Fetching your data...
Elephant		Optional			IL, IN, MD, TN, TX, VA	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.	Go to site More Info	Compare	loading Fetching your data...

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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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