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Smart Forfour insurance group

Compare car insurance costs for your Smart Forfour based on your age and location.

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The Smart Forfour is a small and quirky, 4-door, 4-passenger vehicle. It doesn’t have a lot of power, but it’s a fun and affordable drive. In this guide, you’ll discover how much you could expect to pay to insure a Smart Forfour based on your age and location.

What insurance group does the Smart Forfour fall under?

Every car you see on the road is assigned a specific insurance group before being available for sale. These groups range from group 1 (cheapest) to group 50 (most expensive). These help insurers determine a reasonable cost of your premium. Smart Forfour models are found in insurance groups 1 to 11, meaning they’re among the cheapest cars to insure. There could be a significant difference depending on your choice of model though. As an example, a 30-year-old driver in an average postcode could pay around £695 for cover on a Smart Forfour Pure 71hp 5d that is in insurance group 1 or around £537 for a Smart Forfour 0.9 Turbo Edition 1 5d that is in insurance group 9. This shows the impact on premium pricing when one car is in a much higher insurance group.

Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
Pure 71hp 5d 1 £1,244 £695 £674 £605 Get Quote
1.0 Edition 1 5d 3 £1,096 £526 £505 £485 Get Quote
1.0 Edition1 5d Auto 3 £1,096 £526 £505 £485 Get Quote
0.9 Turbo Edition 1 5d 9 £1,326 £537 £530 £494 Get Quote
1.0 Passion 5d 2 £1,174 £553 £538 £523 Get Quote
1.0 Passion 5d Auto 2 £1,174 £553 £538 £523 Get Quote
1.0 Passion Premium 5d 2 £1,174 £553 £538 £523 Get Quote
1.0 Passion Premium 5d Auto 2 £1,174 £553 £538 £523 Get Quote
0.9 Turbo Passion 5d 8 £1,344 £562 £551 £528 Get Quote
0.9 Turbo Passion 5d Auto 8 £1,344 £562 £551 £528 Get Quote
0.9 Turbo Passion Premium 5d 8 £1,344 £562 £551 £528 Get Quote
0.9 Turbo Passion Premium 5d Auto 8 £1,344 £562 £551 £528 Get Quote
1.0 Proxy 5d 2 £1,174 £553 £538 £523 Get Quote
1.0 Proxy 5d Auto 2 £1,174 £553 £538 £523 Get Quote
1.0 Proxy Night Sky 5d 2 £1,174 £553 £538 £523 Get Quote
1.0 Proxy Night Sky 5d Auto 2 £1,174 £553 £538 £523 Get Quote
1.0 Proxy Premium 5d 2 £1,174 £553 £538 £523 Get Quote
1.0 Proxy Premium 5d Auto 2 £1,174 £553 £538 £523 Get Quote
1.0 Proxy Premium Night Sky 5d 2 £1,174 £553 £538 £523 Get Quote
1.0 Proxy Premium Night Sky 5d Auto 2 £1,174 £553 £538 £523 Get Quote
1.0 Proxy Premium Plus 5d 2 £1,174 £553 £538 £523 Get Quote
1.0 Proxy Premium Plus 5d Auto 2 £1,174 £553 £538 £523 Get Quote
1.0 Proxy Premium Plus Night Sky 5d 2 £1,174 £553 £538 £523 Get Quote
1.0 Proxy Premium Plus Night Sky 5d Auto 2 £1,174 £553 £538 £523 Get Quote
0.9 Turbo Proxy Night Sky 5d 8 £1,344 £562 £551 £528 Get Quote
0.9 Turbo Proxy Night Sky 5d Auto 8 £1,344 £562 £551 £528 Get Quote
0.9 Turbo Proxy Premium Night Sky 5d 8 £1,344 £562 £551 £528 Get Quote
0.9 Turbo Proxy Premium Night Sky 5d Auto 8 £1,344 £562 £551 £528 Get Quote
0.9 Turbo Proxy Premium Plus Night Sky 5d 8 £1,344 £562 £551 £528 Get Quote
0.9 Turbo Proxy Premium Plus Night Sky 5d Auto 8 £1,344 £562 £551 £528 Get Quote
0.9 Turbo Proxy 5d 9 £1,326 £537 £530 £494 Get Quote
0.9 Turbo Proxy 5d Auto 9 £1,326 £537 £530 £494 Get Quote
0.9 Turbo Proxy Premium 5d 9 £1,326 £537 £530 £494 Get Quote
0.9 Turbo Proxy Premium 5d Auto 9 £1,326 £537 £530 £494 Get Quote
0.9 Turbo Proxy Premium Plus 5d 9 £1,326 £537 £530 £494 Get Quote
0.9 Turbo Proxy Premium Plus 5d Auto 9 £1,326 £537 £530 £494 Get Quote
71hp Urbanshadow 5d 2 £1,174 £553 £538 £523 Get Quote
90hp Urbanshadow 5d 8 £1,344 £562 £551 £528 Get Quote
90hp Urbanshadow Twinamic auto 5d 8 £1,344 £562 £551 £528 Get Quote
71hp Urbanshadow Twinamic auto 5d 30 £3,562 £896 £721 £702 Get Quote
1.0 Prime 5d 2 £1,174 £553 £538 £523 Get Quote
1.0 Prime 5d Auto 2 £1,174 £553 £538 £523 Get Quote
1.0 Prime Night Sky 5d 2 £1,174 £553 £538 £523 Get Quote
1.0 Prime Night Sky 5d Auto 2 £1,174 £553 £538 £523 Get Quote
1.0 Prime Premium Night Sky 5d 2 £1,174 £553 £538 £523 Get Quote
1.0 Prime Premium Night Sky 5d Auto 2 £1,174 £553 £538 £523 Get Quote
1.0 Prime Premium Plus Night Sky 5d 2 £1,174 £553 £538 £523 Get Quote
1.0 Prime Premium Plus Night Sky 5d Auto 2 £1,174 £553 £538 £523 Get Quote
1.0 Prime Premium 5d 3 £1,096 £526 £505 £485 Get Quote
1.0 Prime Premium 5d Auto 3 £1,096 £526 £505 £485 Get Quote
1.0 Prime Premium Plus 5d 3 £1,096 £526 £505 £485 Get Quote
1.0 Prime Premium Plus 5d Auto 3 £1,096 £526 £505 £485 Get Quote
0.9 Turbo Prime 5d 8 £1,344 £562 £551 £528 Get Quote
0.9 Turbo Prime 5d Auto 8 £1,344 £562 £551 £528 Get Quote
0.9 Turbo Prime Night Sky 5d 8 £1,344 £562 £551 £528 Get Quote
0.9 Turbo Prime Night Sky 5d Auto 8 £1,344 £562 £551 £528 Get Quote
0.9 Turbo Prime Premium Night Sky 5d 8 £1,344 £562 £551 £528 Get Quote
0.9 Turbo Prime Premium Night Sky 5d Auto 8 £1,344 £562 £551 £528 Get Quote
0.9 Turbo Prime Premium Plus Night Sky 5d 8 £1,344 £562 £551 £528 Get Quote
0.9 Turbo Prime Premium Plus Night Sky 5d Auto 8 £1,344 £562 £551 £528 Get Quote
0.9 Turbo Prime Premium 5d 9 £1,326 £537 £530 £494 Get Quote
0.9 Turbo Prime Premium 5d Auto 9 £1,326 £537 £530 £494 Get Quote
0.9 Turbo Prime Premium Plus 5d 9 £1,326 £537 £530 £494 Get Quote
0.9 Turbo Prime Premium Plus 5d Auto 9 £1,326 £537 £530 £494 Get Quote
1.0 Black Edition 5d 2 £1,174 £553 £538 £523 Get Quote
1.0 Black Edition 5d Auto 2 £1,174 £553 £538 £523 Get Quote
0.9 Turbo Black Edition 5d 8 £1,344 £562 £551 £528 Get Quote
0.9 Turbo Black Edition 5d Auto 8 £1,344 £562 £551 £528 Get Quote
1.0 White Edition 5d 2 £1,174 £553 £538 £523 Get Quote
1.0 White Edition 5d Auto 2 £1,174 £553 £538 £523 Get Quote
0.9 Turbo White Edition 5d 8 £1,344 £562 £551 £528 Get Quote
0.9 Turbo White Edition 5d Auto 8 £1,344 £562 £551 £528 Get Quote
Brabus Sport 90hp 5d 8 £1,344 £562 £551 £528 Get Quote
Brabus Sport 90hp Twinamic auto 5d 8 £1,344 £562 £551 £528 Get Quote
Brabus Sport Premium 90hp 5d 8 £1,344 £562 £551 £528 Get Quote
Brabus Sport Premium 90hp Twinamic auto 5d 8 £1,344 £562 £551 £528 Get Quote
Brabus Sport Premium Plus 90hp 5d 8 £1,344 £562 £551 £528 Get Quote
Brabus Sport Premium Plus 90hp Twinamic auto 5d 8 £1,344 £562 £551 £528 Get Quote
Night Sky Brabus Sport 90hp 5d 8 £1,344 £562 £551 £528 Get Quote
Night Sky Brabus Sport 90hp Twinamic auto 5d 8 £1,344 £562 £551 £528 Get Quote
Night Sky Brabus Sport Premium 90hp 5d 8 £1,344 £562 £551 £528 Get Quote
Night Sky Brabus Sport Premium 90hp Twinamic auto 5d 8 £1,344 £562 £551 £528 Get Quote
Night Sky Brabus Sport Premium Plus 90hp 5d 8 £1,344 £562 £551 £528 Get Quote
Night Sky Brabus Sport Premium Plus 90hp Twinamic auto 5d 8 £1,344 £562 £551 £528 Get Quote
Night Sky Prime Sport 71hp 5d 2 £1,174 £553 £538 £523 Get Quote
Night Sky Prime Sport 71hp Twinamic auto 5d 2 £1,174 £553 £538 £523 Get Quote
Night Sky Prime Sport Premium 71hp 5d 2 £1,174 £553 £538 £523 Get Quote
Night Sky Prime Sport Premium 71hp Twinamic auto 5d 2 £1,174 £553 £538 £523 Get Quote
Night Sky Prime Sport Premium Plus 71hp Twinamic auto 5d 2 £1,174 £553 £538 £523 Get Quote
Prime Sport 71hp 5d 2 £1,174 £553 £538 £523 Get Quote
Prime Sport 71hp Twinamic auto 5d 2 £1,174 £553 £538 £523 Get Quote
Night Sky Prime Sport Premium Plus 71hp 5d 3 £1,096 £526 £505 £485 Get Quote
Prime Sport Premium 71hp 5d 3 £1,096 £526 £505 £485 Get Quote
Prime Sport Premium 71hp Twinamic auto 5d 3 £1,096 £526 £505 £485 Get Quote
Prime Sport Premium Plus 71hp 5d 3 £1,096 £526 £505 £485 Get Quote
Prime Sport Premium Plus 71hp Twinamic auto 5d 3 £1,096 £526 £505 £485 Get Quote
Night Sky Prime Sport 90hp 5d 8 £1,344 £562 £551 £528 Get Quote
Night Sky Prime Sport 90hp Twinamic auto 5d 8 £1,344 £562 £551 £528 Get Quote
Prime Sport 90hp 5d 8 £1,344 £562 £551 £528 Get Quote
Prime Sport 90hp Twinamic auto 5d 8 £1,344 £562 £551 £528 Get Quote
Night Sky Prime Sport Premium 90hp 5d 9 £1,326 £537 £530 £494 Get Quote
Night Sky Prime Sport Premium 90hp Twinamic auto 5d 9 £1,326 £537 £530 £494 Get Quote
Night Sky Prime Sport Premium Plus 90hp 5d 9 £1,326 £537 £530 £494 Get Quote
Night Sky Prime Sport Premium Plus 90hp Twinamic auto 5d 9 £1,326 £537 £530 £494 Get Quote
Prime Sport Premium 90hp 5d 9 £1,326 £537 £530 £494 Get Quote
Prime Sport Premium 90hp Twinamic auto 5d 9 £1,326 £537 £530 £494 Get Quote
Prime Sport Premium Plus 90hp 5d 9 £1,326 £537 £530 £494 Get Quote
Prime Sport Premium Plus 90hp Twinamic auto 5d 9 £1,326 £537 £530 £494 Get Quote
Brabus 109hp Twinamic auto 5d 10 £1,697 £640 £624 £576 Get Quote
Brabus Premium 109hp Twinamic auto 5d 10 £1,697 £640 £624 £576 Get Quote
Brabus Premium Plus 109hp Twinamic auto 5d 10 £1,697 £640 £624 £576 Get Quote
Night Sky Brabus 109hp Twinamic auto 5d 10 £1,697 £640 £624 £576 Get Quote
Night Sky Brabus Premium 109hp Twinamic auto 5d 10 £1,697 £640 £624 £576 Get Quote
Brabus Xclusive 109hp Twinamic auto 5d 11 £1,908 £699 £674 £604 Get Quote
Night Sky Brabus Premium Plus 109hp Twinamic auto 5d 11 £1,908 £699 £674 £604 Get Quote
Night Sky Brabus Xclusive 109hp Twinamic auto 5d 11 £1,908 £699 £674 £604 Get Quote

    Smart Forfour insurance cost by location

    Among the aspects that impact the cost of your car insurance premium, one of the most significant is your location.

    To highlight the potential impact of your home address, here are some average quotes for a 30-year-old living in 3 different locations. The quotes are for a Smart Forfour 0.9 Turbo Passion 5d Auto.

    • Expensive: £900 (London SE1)
    • Average: £562 (Newcastle NE1)
    • Cheap: £571 (Galashiels TD1)

    Which factors affect my Smart Forfour insurance rate?

    Along with insurance group, there are many other key factors that affect your insurance premium cost:

    • Engine type and capacity. Cars with larger engines typically cost more to insure. For example, it may cost £791 for insurance for a Smart Forfour 1.0 Edition 1 5d, while you may pay £900 for a Smart Forfour 0.9 Turbo Proxy Premium Night Sky 5d Auto. So, that’s an extra £121 per year for a more powerful engine.
    • Driver location. As we’ve explored, insurers use your home address to determine the likelihood of you making a claim, based on historical data. This affects the cost of your premium. For example, a 30-year-old in central London may pay £762 for insurance for a Smart Forfour 1.0 Proxy 5d, while the same 30-year-old in Newcastle may only pay £553. That’s an extra £96 per year that the average 30-year-old would pay in London compared to Newcastle.
    • Driver age. The youngest drivers will pay the most for car insurance because they are the most likely to make a claim. As an example, the average 20-year-old driver in London may pay £2,739 for the Smart Forfour 0.9 Turbo Passion 5d, while the average 40-year-old Londoner will only pay £746. That’s almost double that the 20-year-old driver would pay in this scenario.

    Other factors that influence the cost of your insurance include:

    • The model and age of your car
    • Your car’s safety rating score
    • Your car’s safety rating features
    • Your car’s anti-theft precautions
    • Your annual mileage
    • Your driving history and activity
    • Your no-claim discount
    • Your marital status
    • Your credit history and job

    How can I save on my Smart Forfour premium?

    Car insurance is relatively cheap for this vehicle, but why not take advantage of these moves to lower your premium even further?

    • Limit your annual mileage (where possible). Declare a lower annual mileage and you’ll be determined as a lower risk by your insurer. So, consider whether you can occasionally walk or use public transport, rather than using your car.
    • Pay annually rather than monthly. Pay annually in a lump sum and you’ll avoid the possibility of being charged interest on monthly payments.
    • Install extra safety precautions. Any installations that make your car safer are likely to lower your premium.
    • Shop around for the best deal using price comparison websites. Insurers rarely offer their best deals to existing customers. So, you’re usually better off finding a better deal by switching to a competitor each year.

    Facts about the Smart Forfour

    • The Smart Forfour was introduced to the world in the 2004.
    • The vehicle includes folding seats that can be used as tables. Smart calls this the “lounge system”.
    • In an episode of Top Gear, James May and Richard Hammond attempted to stay in the car for 24 hours to test its comfort.

    Bottom line

    The Smart Forfour is a cheap car, which is cheap to run and insure. Sure, there are better entry-level vehicles out there, but this car does provide good value for money.

    Frequently asked questions

    *Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54
    The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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    Written by

    Danny Butler

    Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full profile

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