Smart Roadster insurance group

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

The Smart Roadster aims to be as fun to drive as a sports car, without the associated costs. Its lightweight, responsive handling and driving position make sure of that. In this guide, you’ll find out how much you could pay for insurance based on your age and location.

What insurance group does the Smart Roadster fall under?

All vehicles are given a specific insurance group that ranges from 1 (cheapest) to 50 (most expensive) which helps determine the cost of your premium. Smart Roadster models range from insurance groups 22 to 28, meaning you’re likely to pay near the average amount to insure this car. As an example, a 30-year-old driver in an average postcode could pay around £770 for cover on a Smart Roadster 80bhp 2d Auto RHD that is in insurance group 22 or around £736 for a Smart Roadster Brabus 2d Auto that is in insurance group 28. This clearly shows the impact of premium pricing that occurs when one car is in a much higher insurance group.

Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
80bhp 2d Auto RHD 22 £3,402 £770 £747 £685 Get Quote
(61bhp) 2d Auto (LHD) 23 £2,904 £685 £678 £625 Get Quote
(80bhp) 2d Auto (LHD) 23 £2,904 £685 £678 £625 Get Quote
Light 2d Auto 22 £3,402 £770 £747 £685 Get Quote
Speedsilver 2d Auto 22 £3,402 £770 £747 £685 Get Quote
Finale Edition 2d Auto 20 £2,252 £694 £673 £632 Get Quote
Bluewave 2d Auto 22 £3,402 £770 £747 £685 Get Quote
Brabus 2d Auto 28 £3,217 £736 £708 £673 Get Quote

    Smart Roadster insurance cost by location

    Out of all the factors that have an effect on the cost of your car insurance premium, one of the biggest is your location.

    To show the power of your postcode, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Smart Roadster Bluewave 2d Auto.

    • Expensive: £1,114 (London SE1)
    • Average: £770 (Newcastle NE1)
    • Cheap: £761 (Galashiels TD1)

    Which factors affect my Smart Roadster insurance rate?

    Along with insurance group, there are many other key factors that have a big impact on your insurance premium costs:

    • Engine type and capacity. Cars with larger engines typically cost more to insure, because these engines cost more to repair or replace. To illustrate this fact, it may cost £1,484 for insurance for a Smart Roadster SFinale Edition 2d Auto, while you may pay £1,388 for a Smart Roadster Brabus 2d Auto. So, that’s an extra £61 per year for the vehicle with the larger engine.
    • Driver location. Insurers will use your home address to determine the likelihood of your car being stolen or involved in an accident, based on previous data. This will affect the cost of insurance. For example, a 30-year-old in central London may pay £1,114 for insurance for a Smart Roadster Speedsilver 2d Auto, while the same 30-year-old in Newcastle may only pay £770. That’s an additional £144 per year that the average 30-year-old would pay to insure this vehicle in London.
    • Driver age. The youngest drivers will usually pay far more, because they are statistically the most likely to make a claim. As an example, the average 20-year-old driver in London may pay £6,804 for the Smart Roadster Speedsilver 2d Auto, while the average 40-year-old Londoner will only pay £1,021. That’s almost double that the younger driver would pay in this scenario.

    Other factors that influence the cost of your insurance include:

    • Your driving history and activity
    • 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 no-claim discount
    • Your annual mileage
    • Your marital status
    • Your credit history
    • Your occupation

    How can I save on my Smart Roadster premium?

    Car insurance can be expensive, especially for new drivers. However, there’s no need to let it break the bank. Here are some ideas to help you lower the cost of your premium.

    • Limit your annual mileage (where possible). By walking or using public transport occasionally, rather than using your car, this can help to save on your premium.
    • Pay annually rather than monthly. You may be charged interest on monthly payments, so pay in one annual lump sum if you can.
    • Install extra safety precautions. Any installation that makes your car safer will inspire insurers to lower your premium when you do so.
    • Shop around for the best deal every year. Instead of blindly settling for the best deal, use a price comparison website to find the best deal from a competitor every year.

    Facts about the Smart Roadster

    • The Smart Roadster was first made available to buy in 2003.
    • The other edition of the Smart Roadster is called the Roadster Coupe, which is backed by rear glass.
    • This vehicle has its own website for enthusiasts.

    Bottom line

    It’s a unique vehicle, which people will other love or hate. By following these tips to reduce your insurance premiums, you’ll surely enjoy this car a lot more.

    Frequently asked questions

    *Based on data provided by Consumer Intelligence Ltd, (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.

    More guides on Finder

    • Dude, when’s my car insurance?

      We explain how to find out when your car insurance is up for renewal and how to avoid the hefty fines for missing it.

    • Cat S insurance

      Learn how to find insurance for your Cat S write-off, average cost and whether you can keep your category S car.

    • Admiral car insurance review

      Compare and review all the policies on offer from Admiral car insurance and see if it provides cover that suits you.

    • Fiat 500 Insurance Group

      Find out which insurance group your Fiat 500 belongs in, how much it should cost to insure and how you can save on your premiums.

    • Cheapest car insurance in the UK

      Good car insurance doesn’t have to be expensive. Compare cheap car insurance quotes to start saving today.

    • Direct Line car insurance review

      Compare Direct Line’s car insurance options with our analysis and review. Find out what’s covered and how to make a claim.

    • RAC car insurance review

      Compare and review RAC car insurance and find out if it’s the right cover for you. Discover policies and how to save on your premiums.

    • Tesco Bank car insurance review

      Compare and review Tesco Bank car insurance and see if it has the right policy to protect you behind the wheel.

    • Car insurance exclusions

      Find out what car insurance won’t cover so you can avoid any nasty surprises at claim time.

    • Get agreed value car insurance quotes online

      Find out how agreed value car insurance works and if it’s the right option for you.

    Go to site