Smart fortwo Insurance: by Model Year & Company
Smart fortwo insurance costs an average of $669 for a 6-month full coverage policy. Progressive offers the cheapest rate for the latest Smart fortwo at $84/mo or $505 for a 6-month full coverage policy.
- Shopping around? Use our calculator to compare average insurance rates by vehicle.
- Know your vehicle? Get a personalized quote by entering your zip code.
What to know about insuring a Smart fortwo:
- The fortwo costs less to insure than most coupes. Averaging $111/mo for the fortwo versus $245/mo for typical coupes.
- If you're considering a vehicle similar to the fortwo, like the Smart fortwo electric drive ($184/mo), Acura RDX ($142/mo), or Acura RLX ($193/mo), your insurance costs will be cheaper.
- Erie ($78/mo), Progressive ($79/mo), USAA ($85/mo) offer the cheapest full coverage rates.
The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.
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Cheapest Companies
2017 Smart fortwo
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,010 |
| Erie |
$1,016 |
| Nationwide |
$1,210 |
| American Family |
$1,236 |
| USAA |
$1,275 |
| State Farm |
$1,405 |
| GEICO |
$1,550 |
| Farmers |
$2,051 |
| Allstate |
$2,574 |
Compare all 2017 Smart fortwo insurance rates.
Average Cost to Insure Per Year
$1,5322016 Smart fortwo
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,056 |
| Erie |
$1,119 |
| American Family |
$1,173 |
| USAA |
$1,194 |
| State Farm |
$1,290 |
| Nationwide |
$1,348 |
| GEICO |
$1,440 |
| Farmers |
$1,874 |
| Allstate |
$2,399 |
Compare all 2016 Smart fortwo insurance rates.
Average Cost to Insure Per Year
$1,4732015 Smart fortwo
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$932 |
| Progressive |
$955 |
| USAA |
$1,031 |
| American Family |
$1,152 |
| Nationwide |
$1,218 |
| State Farm |
$1,317 |
| GEICO |
$1,335 |
| Farmers |
$1,928 |
| Allstate |
$2,376 |
Compare all 2015 Smart fortwo insurance rates.
Average Cost to Insure Per Year
$1,3922014 Smart fortwo
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$890 |
| Progressive |
$915 |
| USAA |
$968 |
| American Family |
$1,127 |
| GEICO |
$1,291 |
| State Farm |
$1,351 |
| Nationwide |
$1,415 |
| Farmers |
$1,780 |
| Allstate |
$2,308 |
Compare all 2014 Smart fortwo insurance rates.
Average Cost to Insure Per Year
$1,3772013 Smart fortwo
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$829 |
| Progressive |
$890 |
| USAA |
$929 |
| American Family |
$1,100 |
| State Farm |
$1,181 |
| GEICO |
$1,253 |
| Nationwide |
$1,292 |
| Farmers |
$1,733 |
| Allstate |
$2,168 |
Compare all 2013 Smart fortwo insurance rates.
Average Cost to Insure Per Year
$1,3002012 Smart fortwo
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$794 |
| USAA |
$856 |
| Progressive |
$881 |
| American Family |
$1,073 |
| State Farm |
$1,165 |
| GEICO |
$1,212 |
| Nationwide |
$1,302 |
| Farmers |
$1,743 |
| Allstate |
$2,350 |
Compare all 2012 Smart fortwo insurance rates.
Average Cost to Insure Per Year
$1,3042011 Smart fortwo
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$892 |
| USAA |
$913 |
| Erie |
$955 |
| American Family |
$1,014 |
| GEICO |
$1,132 |
| State Farm |
$1,164 |
| Nationwide |
$1,266 |
| Farmers |
$1,532 |
| Allstate |
$2,101 |