Smart Fortwo insurance group

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The Smart Fortwo is an iconic 2-seater city car that’s been on our roads for almost 24 years. Now in its third generation, the car is a joint effort between Swatch and Mercedes. It’s also available as an electric model, and was the first one ever to go on sale in Europe. In this guide, we’ll set you up with all the relevant info for when it comes to getting this pocket rocket of a car insured.

What insurance group does the Smart Fortwo 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 Fortwo models range from insurance group 2 to 11, meaning they’re among the least expensive cars to insure. As an example, a 30-year-old driver in an average postcode could pay around £582 for cover on a Smart Fortwo Pure 2d Auto that is in insurance group 2 or around £756 for a Smart Fortwo Electric Drive 2d Auto that is in insurance group 9. This clearly shows the impact on 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
Pure 2d Auto 2 £1,003 £582 £510 £411 Get Quote
Pure Auto (61bhp) 2d 2 £1,003 £582 £510 £411 Get Quote
Pure mhd 2d Auto 2 £1,003 £582 £510 £411 Get Quote
CDI Pure 2d Auto 4 £1,088 £631 £553 £446 Get Quote
Pure mhd (61bhp) 2d Auto 4 £1,088 £631 £553 £446 Get Quote
Pulse 2d Auto 3 £1,046 £607 £532 £429 Get Quote
Pulse mhd 2d Auto 3 £1,046 £607 £532 £429 Get Quote
Pulse mhd Softouch (2010) 2d Auto 3 £1,046 £607 £532 £429 Get Quote
Pulse mhd Softouch (Luxury Pack) (2010) 2d Auto 3 £1,046 £607 £532 £429 Get Quote
CDI Pulse Softouch (2010) 2d Auto 4 £1,088 £631 £553 £446 Get Quote
CDI Pulse Softouch (Luxury Pack) (2010) 2d Auto 4 £1,088 £631 £553 £446 Get Quote
Pulse Softouch (84bhp) 2d Auto 5 £1,126 £653 £573 £462 Get Quote
CDi Edition Lightshine Softouch 2d Auto 6 £1,159 £672 £589 £475 Get Quote
Pulse mhd (Luxury Pack) 2d Auto 3 £1,046 £607 £532 £429 Get Quote
Pulse Softouch (84bhp) (Luxury Pack) 2d Auto 5 £1,126 £653 £573 £462 Get Quote
Electric drive 2d Auto 13 £1,302 £756 £662 £534 Get Quote
Passion mhd (Luxury Pack) 2d Auto 3 £1,046 £607 £532 £429 Get Quote
CDI Passion (Luxury Pack) 2d Auto 6 £1,159 £672 £589 £475 Get Quote
Passion (Luxury Pack) (84bhp) 2d Auto 7 £1,185 £688 £602 £486 Get Quote
Brabus 2d Auto 10 £1,242 £721 £631 £510 Get Quote
Limited Three mhd 2d Auto 3 £1,046 £607 £532 £429 Get Quote
Edition Urbanstyle mhd Softouch 2d Auto 4 £1,088 £631 £553 £446 Get Quote
Edition Urbanstyle Softouch (84bhp) 2d Auto 7 £1,185 £688 £602 £486 Get Quote
Passion 2d Auto 3 £1,046 £607 £532 £429 Get Quote
Passion mhd 2d Auto 3 £1,046 £607 £532 £429 Get Quote
Passion mhd Softouch (2010) 2d Auto 3 £1,046 £607 £532 £429 Get Quote
Passion mhd Softouch (Luxury Pack) (2010) 2d Auto 3 £1,046 £607 £532 £429 Get Quote
CDI Passion 2d Auto 4 £1,088 £631 £553 £446 Get Quote
CDI Passion Softouch (2010) 2d Auto 4 £1,088 £631 £553 £446 Get Quote
CDI Passion Softouch (Luxury Pack) (2010) 2d Auto 4 £1,088 £631 £553 £446 Get Quote
Passion Auto (84bhp) 2d 5 £1,126 £653 £573 £462 Get Quote
Passion Softouch (84bhp) (2010) 2d Auto 5 £1,126 £653 £573 £462 Get Quote
Passion Softouch (84bhp) (Luxury Pack) (2010) 2d Auto 5 £1,126 £653 £573 £462 Get Quote
Grandstyle mhdr Softouch 2d Auto 5 £1,126 £653 £573 £462 Get Quote
Grandstyle Softouch (84bhp) 2d Auto 8 £1,207 £700 £613 £495 Get Quote
Iceshine mhd Softouch 2d Auto 2 £1,003 £582 £510 £411 Get Quote
Iceshine Softouch (84bhp) 2d Auto 5 £1,126 £653 £573 £462 Get Quote
Nightorange mhd Softouch 2d Auto 4 £1,088 £631 £553 £446 Get Quote
Nightorange Softouch (84bhp) 2d Auto 7 £1,185 £688 £602 £486 Get Quote
Brabus Xclusive Softouch (102bhp) 2d Auto 11 £1,261 £731 £641 £517 Get Quote
Brabus Xclusive Softouch 2010 2d Auto 11 £1,261 £731 £641 £517 Get Quote

    Smart Fortwo insurance cost by location

    Among the many factors that can affect the cost of your car insurance premium, one of the biggest is your location.

    To show the 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 Fortwo Passion 2d Auto.

    • Expensive: £715 (London SE1)
    • Average: £607 (Newcastle NE1)
    • Cheap: £417 (Galashiels TD1)

    Which factors affect my Smart Fortwo insurance rate?

    Along with the car’s specific insurance group, there are many other key factors that can have a big impact on your insurance premium costs:

    • Engine type and capacity. In general, the larger the engine, the more you’ll pay for your car insurance. For example, it may cost £715 for insurance for a Smart Fortwo Limited Three mhd 2d Auto, while you may pay £865 for a Smart Fortwo Brabus Xclusive Softouch 2010 2d Auto. So, that’s an extra £15 per year you’ll pay for the Long Range engine.
    • Driver location. Insurers use your home address to determine the level of risk that your car may be stolen or involved in an accident, and this affects the cost of insurance. For example, a 30-year-old in central London may pay £865 for insurance for a Smart Fortwo Brabus Xclusive Softouch 2010 2d Auto, while the same 30-year-old in Newcastle may only pay £731. That’s an extra £83 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 £1,243 for the Smart Fortwo Passion 2d Auto, while the average 40-year-old Londoner will only pay £651. That’s £592 more per year that the younger 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-claims discount
    • Your marital status
    • Your credit history and job

    How can I save on my Smart Fortwo premium?

    It’s a well-known fact that car insurance can be expensive, but you don’t 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). If you can occasionally walk or use public transport, rather than using your car, this can help to save on your premium.
    • Pay annually rather than monthly. When you pay annually, you eliminate the possibility of being charged interest on monthly payments.
    • Install extra safety precautions. This makes your car safer and reduces the risk of you making a claim on your premium. That’s why many insurers are happy to lower your premium when you do so.
    • Shop around for the best deal using price comparison websites. Don’t just settle for the renewal price given to you. You’ll usually find a better deal by switching to a competitor each year.

    Facts about the Smart Fortwo

    – It was the first electric car to go on sale in Europe.
    – The Smart Fortwo earned the highest score in crash tests.
    – You can fit 2 Fortwo cars into a standard car park space.

    Bottom line

    As the name suggests, the Smart Fortwo is perfect for 2. It’s very much a city car and designed to travel short distances. Given its tiny nature, its insurance isn’t going to bankrupt you. Depending on postcode, engine size and your level of driving experience, you could end up getting a pretty decent deal.

    Frequently asked questions

    *51% of consumers could save £257.97 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next three cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2021 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
    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.

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