Smart car insurance group

Smart car models range from insurance groups 1 to 41, so the cost of insurance can vary significantly depending on which model you have.

Smart car insurance groups and cost

In the table below, we show you the insurance group for different Smart car model versions alongside the likely premiums for different age ranges.

Model / Version	Group (1-50)	Age 20yrs	Age 30yrs	Age 40yrs	Age 50yrs	Link
Smart Forfour Hatchback (2015 - 2019) Pure 71hp	1	£796.97	£450.04	£429.96	£411.46	Get Quote
Smart Forfour Hatchback (2015 - 2019) Passion 1.0	2	£766.15	£465.14	£418.59	£405.59	Get Quote
Smart Fortwo Coupe (2015 - 2019) Prime Sport 71hp	2	£766.15	£465.14	£418.59	£405.59	Get Quote
Smart Fortwo Cabriolet (2007 - 2014) Pure	2	£766.15	£465.14	£418.59	£405.59	Get Quote
Smart Forfour Hatchback (2015 - 2019) Edition 1 1.0 Edition 1	3	£874.41	£503.34	£460.17	£416.77	Get Quote
Smart Fortwo Coupe (2015 - 2019) Edition 1 1.0	3	£874.41	£503.34	£460.17	£416.77	Get Quote
Smart Fortwo Cabriolet (2007 - 2014) Pulse	3	£874.41	£503.34	£460.17	£416.77	Get Quote
Smart Fortwo Coupe (2015 - 2019) Urban Shadow Edition 71hp Urbanshadow	4	£784.49	£433.55	£416.57	£410.64	Get Quote
Smart Fortwo Cabriolet (2016 - 2019) Passion 1.0	5	£819.42	£505.18	£440.30	£418.37	Get Quote
Smart Fortwo Coupe (2007 - 2014) Pulse Softouch (84bhp)	5	£819.42	£505.18	£440.30	£418.37	Get Quote
Smart Fortwo Cabriolet (2016 - 2019) Prime Sport 71hp	6	£863.82	£547.83	£474.43	£450.57	Get Quote
Smart Fortwo Coupe (2007 - 2014) Highstyle Softouch (84bhp)	6	£863.82	£547.83	£474.43	£450.57	Get Quote
Smart Forfour Hatchback (2004 - 2006) Pure 1.1 Pulse	7	£1,024.75	£731.81	£577.93	£546.93	Get Quote
Smart Fortwo Coupe (2007 - 2014) Nightorange Softouch (84bhp)	7	£1,024.75	£731.81	£577.93	£546.93	Get Quote
Smart Fortwo Cabriolet (2007 - 2014) Pulse Softouch (84bhp)	7	£1,024.75	£731.81	£577.93	£546.93	Get Quote
Smart Fortwo Coupe (2004 - 2007) Grandstyle	7	£1,024.75	£731.81	£577.93	£546.93	Get Quote
Smart City Coupe (2000 - 2004) Pure Smart and (00)	7	£1,024.75	£731.81	£577.93	£546.93	Get Quote
Smart Forfour Hatchback (2015 - 2019) Passion 0.9 Turbo	8	£837.14	£547.57	£483.37	£454.03	Get Quote
Smart Fortwo Coupe (2007 - 2014) Cityflame Softouch (84bhp)	8	£837.14	£547.57	£483.37	£454.03	Get Quote
Smart Fortwo Cabriolet (2007 - 2014) Pulse CDI Softouch (2010)	8	£837.14	£547.57	£483.37	£454.03	Get Quote
Smart Forfour Hatchback (2015 - 2019) Edition 1 0.9 Turbo 1	9	£916.69	£511.43	£500.06	£493.38	Get Quote
Smart EQ Forfour Hatchback (2018 onwards) Premium 60kW EQ 17kWh [22kWch]	9	£916.69	£511.43	£500.06	£493.38	Get Quote
Smart Fortwo Coupe (2015 - 2019) Edition 1 0.9 Turbo	9	£916.69	£511.43	£500.06	£493.38	Get Quote
Smart Fortwo Cabriolet (2004 - 2007) Spring Edition	9	£916.69	£511.43	£500.06	£493.38	Get Quote
Smart City Cabriolet (2001 - 2004) Pure	9	£916.69	£511.43	£500.06	£493.38	Get Quote
Smart City Coupe (2000 - 2004) Pure (61bhp)	9	£916.69	£511.43	£500.06	£493.38	Get Quote
Smart Forfour Hatchback (2015 - 2019) Brabus 109hp Twinamic	10	£913.24	£609.70	£510.36	£471.36	Get Quote
Smart EQ Forfour Hatchback (2018 onwards) Prime Exclusive 82hp	10	£913.24	£609.70	£510.36	£471.36	Get Quote
Smart Fortwo Cabriolet (2016 - 2019) Passion 0.9 Turbo	10	£913.24	£609.70	£510.36	£471.36	Get Quote
Smart Fortwo Coupe (2007 - 2014) Brabus	10	£913.24	£609.70	£510.36	£471.36	Get Quote
Smart EQ Fortwo Coupe (2018 onwards) Prime Exclusive 82hp	10	£913.24	£609.70	£510.36	£471.36	Get Quote
Smart Forfour Hatchback (2015 - 2019) Brabus Xclusive 109hp Twinamic	11	£1,135.84	£681.20	£564.69	£549.94	Get Quote
Smart EQ Forfour Hatchback (2018 onwards) Prime EQ 82hp Premium Plus 7kW Charger	11	£1,135.84	£681.20	£564.69	£549.94	Get Quote
Smart Fortwo Coupe (2015 - 2019) Brabus 109hp Twinamic	11	£1,135.84	£681.20	£564.69	£549.94	Get Quote
Smart Fortwo Cabriolet (2016 - 2019) Prime Sport Premium Plus 90hp Twinamic	11	£1,135.84	£681.20	£564.69	£549.94	Get Quote
Smart Fortwo Coupe (2007 - 2014) Brabus Xclusive Softouch (102bhp)	11	£1,135.84	£681.20	£564.69	£549.94	Get Quote
Smart EQ Fortwo Coupe (2018 onwards) Edition 1 82hp	11	£1,135.84	£681.20	£564.69	£549.94	Get Quote
Smart City Cabriolet (2001 - 2004) Silverpulse	11	£1,135.84	£681.20	£564.69	£549.94	Get Quote
Smart City Coupe (2000 - 2004) Passion	11	£1,135.84	£681.20	£564.69	£549.94	Get Quote
Smart Forfour Hatchback (2004 - 2006) Pure 1.3 Pulse	12	£965.08	£658.66	£544.09	£521.48	Get Quote
Smart Fortwo Coupe (2015 - 2019) Brabus Xclusive 109hp Twinamic	12	£965.08	£658.66	£544.09	£521.48	Get Quote
Smart Fortwo Cabriolet (2007 - 2014) Brabus	12	£965.08	£658.66	£544.09	£521.48	Get Quote
Smart EQ Fortwo Coupe (2018 onwards) Prime EQ 82hp Premium 22kW Charger	12	£965.08	£658.66	£544.09	£521.48	Get Quote
Smart EQ Fortwo Cabrio (2018 onwards) Prime Exclusive 82hp	12	£965.08	£658.66	£544.09	£521.48	Get Quote
Smart Forfour Hatchback (2004 - 2006) Passion 1.3	13	£921.95	£573.32	£490.62	£469.68	Get Quote
Smart Fortwo Coupe (2007 - 2014) Electric drive	13	£921.95	£573.32	£490.62	£469.68	Get Quote
Smart Fortwo Cabriolet (2007 - 2014) Brabus Xclusive Softouch (102bhp)	13	£921.95	£573.32	£490.62	£469.68	Get Quote
Smart EQ Fortwo Coupe (2018 onwards) Prime Electric Drive Premium	13	£921.95	£573.32	£490.62	£469.68	Get Quote
Smart EQ Fortwo Cabrio (2018 onwards) Exclusive 60kW EQ 17kWh [22kWCh]	13	£921.95	£573.32	£490.62	£469.68	Get Quote
Smart Forfour Hatchback (2004 - 2006) Pure 1.5 Pulse	14	£1,047.48	£555.44	£512.66	£517.67	Get Quote
Smart Fortwo Cabriolet (2016 - 2019) Brabus Xclusive 109hp Twinamic	14	£1,047.48	£555.44	£512.66	£517.67	Get Quote
Smart EQ Fortwo Cabrio (2018 onwards) Prime EQ 82hp Premium 7kW Charger	14	£1,047.48	£555.44	£512.66	£517.67	Get Quote
Smart Forfour Hatchback (2004 - 2006) Pure 1.5 CDI Pulse (94bhp)	15	£1,425.58	£756.46	£695.57	£676.53	Get Quote
Smart Fortwo Cabriolet (2007 - 2014) Electric drive	15	£1,425.58	£756.46	£695.57	£676.53	Get Quote
Smart EQ Fortwo Cabrio (2018 onwards) Prime Electric Drive Premium	15	£1,425.58	£756.46	£695.57	£676.53	Get Quote
Smart Forfour Hatchback (2004 - 2006) Passion 1.5 CDI (94bhp) Softouch	16	£1,481.96	£849.03	£660.04	£667.28	Get Quote
Smart Fortwo Cabriolet (2004 - 2007) Brabus	16	£1,481.96	£849.03	£660.04	£667.28	Get Quote
Smart Fortwo Coupe (2004 - 2007) Brabus	16	£1,481.96	£849.03	£660.04	£667.28	Get Quote
Smart Crossblade Roadster (2002 - 2003) 70 [LHD] (70bhp) (LHD)	16	£1,481.96	£849.03	£660.04	£667.28	Get Quote
Smart City Cabriolet (2001 - 2004) Brabus	17	£1,049.13	£693.78	£596.04	£559.18	Get Quote
Smart City Coupe (2000 - 2004) Brabus	17	£1,049.13	£693.78	£596.04	£559.18	Get Quote
Smart Roadster Coupe (2003 - 2007) Standard Trim (80bhp) (RHD)	20	£1,140.45	£566.99	£560.23	£534.47	Get Quote
Smart Roadster Roadster (2003 - 2007) Finale Finale Edition	20	£1,140.45	£566.99	£560.23	£534.47	Get Quote
Smart Roadster Coupe (2003 - 2007) Standard Trim (80bhp) (LHD)	21	£1,072.10	£689.18	£593.39	£527.60	Get Quote
Smart Roadster Coupe (2003 - 2007) Bluewave	22	£1,108.94	£729.30	£624.63	£589.41	Get Quote
Smart Roadster Roadster (2003 - 2007) Standard Trim (80bhp) (LHD)	23	£1,416.79	£809.39	£703.65	£656.36	Get Quote
Smart Roadster Coupe (2003 - 2007) Brabus	26	£1,612.10	£890.06	£755.97	£681.74	Get Quote
Smart Roadster Roadster (2003 - 2007) Brabus	28	£1,051.05	£582.19	£543.93	£540.48	Get Quote
Smart 1 SUV (2022 onwards) Pure 200kW 49kWh	29	£1,663.68	£1,031.80	£773.88	£754.05	Get Quote
Smart Forfour Hatchback (2015 - 2019) Urban Shadow Edition 71hp Urbanshadow Twinamic	30	£3,439.38	£1,001.68	£874.54	£861.41	Get Quote
Smart 1 SUV (2022 onwards) Pro 200kW 49kWh	30	£3,439.38	£1,001.68	£874.54	£861.41	Get Quote
Smart 1 SUV (2022 onwards) Pro + 200kW 66kWh	31	£3,544.85	£1,019.77	£863.52	£847.78	Get Quote
Smart Forfour Hatchback (2004 - 2006) Brabus 1.5	32	£2,980.18	£914.54	£796.14	£767.16	Get Quote
Smart 1 SUV (2022 onwards) Premium 200kW 66kWh	32	£2,980.18	£914.54	£796.14	£767.16	Get Quote
Smart 3 SUV (2024 onwards) Pro 200kW 49kWh	33	£2,293.32	£1,256.31	£1,048.45	£1,141.00	Get Quote
Smart 3 SUV (2024 onwards) Pro + 200kW 66kWh	34	£1,549.25	£891.08	£756.41	£696.03	Get Quote
Smart 3 SUV (2024 onwards) 25th Anniversary Edition 200kW 66kWh	36	£1,795.79	£947.00	£829.72	£807.78	Get Quote
Smart 1 SUV (2022 onwards) Brabus 315kW 66kWh	38	£1,992.12	£1,028.10	£890.79	£870.50	Get Quote
Smart 3 SUV (2024 onwards) Brabus 315kW 66kWh	41	£4,976.17	£1,537.43	£1,223.63	£1,173.91	Get Quote

Average Smart car insurance cost

To provide you with an idea of how much it may cost you to insure your Smart car, we ran several quotes to find an average figure. Based on our results, on average, you could insure your Smart car with a comprehensive policy for £778.34 yearly, or £69.82 paying monthly.

We generated these quotes using the following assumptions about the vehicle and the driver. We looked at prices for a driver aged 20, 30, 40 and 50. For each age category we took the average price of the 3 best quotes. We said the 20-year-old driver has 3 years of driving experience, the 30-year-old driver has 13 years of driving experience, the 40-year-old driver has 23 years of driving experience and the 50-year-old driver has 25+ years of driving experience, as that is the quote engine's largest option. We used a cheap (TR8), mid-range (CH1) and expensive (E10) postcode for each hypothetical driver.
All other factors were the same. These were:
The vehicle:
- Has a factory-fitted alarm system
- Hasn't been modified
- Would be parked in a work car park during the day
- Would be parked on a driveway at night
- Hadn't been bought yet but would be by the time the policy starts
- Isn't fitted with a dashcam
The driver:
- Is a teacher
- Is male
- Is a non-homeowner
- Has had no accidents or claims in the last 5 years
- Has had no motoring convictions, driving licence endorsements or fixed penalty points in the last 5 years
- Doesn't have any unspent non-motoring convictions
- Has no medical conditions
- Has never had insurance declined, cancelled or special terms imposed
- Has lived in the UK continuously since birth
- Is single and has no children
- Has a full UK manual licence
- Doesn't have use of another vehicle
- Doesn't have any medical conditions
- No driving or other convictions in the last 5 years
Other factors:
- We used 1 January as the birthday for each driver, alongside their respective birth year
- We looked for quotes with a 3-year no-claims discount
- We chose a voluntary excess of £500
- We didn't protect the no-claims bonus
- We looked for quotes for comprehensive policies
- We didn't include additional drivers
- We opted for an annual payment
- We used cars that were first registered in 2020, with an aim to find a mid-range car in that group
- The policy is for social, domestic and commuting purposes
- We looked at policies covering 10,000 miles per year

Smart car insurance cost by location

The table above shows the average cost of Smart car insurance based on insurance groups and driver age. However, there are a number of other factors that affect the cost of your car insurance premiums, and one of the biggest is where you are in the UK. Where you live helps determine the level of risk that your car may be stolen or that you'll be involved in an accident, and this affects the cost of insurance.

To show the power of the postcode, here are some average quotes for a 30-year-old living in 3 different locations. The quotes are for a Smart Forfour Hatchback (2015 - 2019) Pure 71hp.

Expensive: £785.22 (London E10)
Mid-range: £450.04 (Chester CH1)
Cheap: £353.61 (Newquay TR8)

What factors affect my Smart car insurance rate?

We've covered insurance groups, age and location. Here are some of the other factors that affect your insurance premium costs:

Your marital status
Your credit history and job
Your car's safety rating score
The model of your car
The age of your car
Your car's security and any extra anti-theft precautions
Annual miles driven
Your driving history and activity
No-claims discount

How can I save on my Smart car premiums?

When searching for insurance, you'll want to find the best deal for a price that's within your budget. We've uncovered some tricks you can try to lower the cost of your premium, and we've listed them below.

Limit your car usage (where possible). Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premiums.
Pay annually rather than monthly. Whilst it might be scary to part with a large sum of money in one go, if you're able to pay annually you can save an average of £59.52 a year.
Install extra safety precautions. The safer your car is, the less of a risk it will be for companies to insure. By adding extra safety measures, you're quite likely to lower your premium.
Clear out the garage! If you have a garage – clear it out and park your car there. Parking your car in a garage reduces your risk to insurers and therefore reduces your premiums too.
Consider any named drivers. Only name drivers on the insurance policy that regularly drive the vehicle, you can easily add on others at a later date or get them temporary cover.
Don't just accept your renewal quote. When it's time for renewal, it's worth investing a couple of hours to shop around: there may be cheaper options out there.

Bottom line

As we've shown, factors like where you live, how old you are, whether you want to pay monthly or annually, and the specific variant of Smart car you're insuring all have a major impact on the cost of cover. In fact, the best prices we found ranged from £283.09 to £13,853.94, and that's based on shopping around to find a competitive deal. Unfortunately, if you don't shop around, there's every chance you could end up paying more than you have to.

Frequently asked questions

Thank you for your feedback!

Written by

Connor Steele

Senior associate publisher

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Connor is a senior associate publisher at Finder, specialising in insurance and investing. He's been sourcing and analysing data in both subjects for around 4 years, supporting Finder's publishing team. Connor holds a BSc in Accounting and Finance from the University of Sussex and when he's not at work, you can find him at his local gym keeping fit. See full bio

Co-written by

Jason Loewenthal

Senior writer

Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio

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Smart car insurance group

Find out the cost and car insurance group of a Smart car, and see how much you could pay based on age, location and model.

Smart car insurance groups and cost

How we got these rates

Average Smart car insurance cost

How we got this rate

Smart car insurance cost by location

What factors affect my Smart car insurance rate?

How can I save on my Smart car premiums?

Bottom line

Frequently asked questions

How many doors does the Smart car have?

What is the fuel type of a Smart car?

What is the top speed of a Smart car?

What is the horsepower of a Smart car?

What body style is available for the Smart car?

How much car tax do I have to pay for the Smart car?

Where can I buy a Smart car?

Connor Steele

Jason Loewenthal

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