Compare Smart Fortwo car insurance prices

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. Filter car insurance companies by your state to get a quote.

Name	Roadside assistance	New car protection	Safe driver discount	Available states
Progressive	Optional		30%	All 50 states & DC	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
Allstate	Optional		13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
The AARP Auto Insurance Program from The Hartford	Optional		Yes	All 50 states	Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.	Get quotes More Info	Compare	loading Fetching your data...
USAA	Optional		Yes	All 50 states & DC	Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.	Get quotes More Info	Compare	loading Fetching your data...
Savvy	Optional	Depends on provider	Yes	All states & DC	Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.	Get quotes More Info	Compare	loading Fetching your data...
Root			52%	Available in 31 states	Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.	Get quotes More Info	Compare	loading Fetching your data...

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Enter your ZIP code below and click Compare to see the cheapest rates in your area.

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

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.

Thank you for your feedback!

Roslyn McKenna

Roslyn McKenna is an insurance expert who's driven to help people get a great deal on insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.

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Smart Fortwo insurance rates