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How much does Smart car insurance cost?

Billed as a convenient and efficient alternative to a typical vehicle, a Smart car is also an affordable auto to insure. The average cost of Smart car insurance is $1,581 per year ($132 per month). This is significantly less than the average cost of insurance for vehicles made by other brands. If you want to save on auto insurance premiums for your Smart fortwo or Smart fortwo electric drive, consider Progressive or GEICO, which offer the most affordable premiums for these models. 

When shopping for Smart auto insurance, it's important to consider the myriad factors that go into car insurance quotes. While Smart vehicles are relatively affordable to insure due to their low MSRPs, your quote could be inflated if you're driving in one of the densely populated ZIP codes in which Smart cars are most popular. 

The Zebra makes finding an insurance policy for a Smart car simple. Choose a model below to see average rates and to see personalized quotes for the fortwo and fortwo electric drive.



Frequently asked questions:


1. How much is insurance for Smart Cars?

According to our data, the average cost of insurance for a Smart car is $1,371 per year. However, this can vary depending on factors such as the model and year of the car, the driver's age and driving record, the location of the driver, and the coverage options selected.

2. What kind of coverage do I need for my Smart Car?

Most states require drivers to carry liability insurance, which covers damages and injuries you may cause to others in an accident. You may also want to consider adding collision and comprehensive (full coverage) insurance, and additional options like uninsured/underinsured motorist coverage and personal injury protection. 46% of The Zebra's Smart Car customers opt for state liability and collision and comprehensive coverage.

3. Are Smart Cars more expensive to insure?

The cost of insurance for a Smart car can vary depending on several factors, but in general, Smart cars are designed to be affordable, economical, and safe, which may help to keep insurance costs relatively low compared to some other types of cars. However, some models may be more expensive to insure than others, particularly if they have expensive parts that are costly to repair or replace.

Smart insurance rates by model: