How much does Smart car insurance cost?
Produced by Mercedes-Benz’s parent company Daimler AG in partnership with Swedish watchmaker Swatch, Smart makes subcompact two-seater cars with great fuel economy. Smart cars are no longer sold in the US, but you can still find used models here, and new models are still sold internationally.
Smart drivers pay an average of $780 per year for auto insurance—but every Smart car insurance policy is unique. This number is just an estimate, there is no real ‘average’ cost of car insurance. Your price will depend entirely on your driver profile, which is why it’s so important to compare quotes.
How to find the cheapest Subaru car insurance Quotes
We closely analyzed Smart Car insurance quotes from real Jerry customers to help us generate accurate, personalized quotes for you.
Jerry has helped hundreds of drivers to find cheap car insurance. Check out some of our recent quotes below!
|
Date
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer Details
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| November 25, 2024 | Smart Fortwo Passion | National General | $57 | Amelia, 49, Gray Court, SC | State Minimum | Yes |
| November 13, 2024 | Smart Fortwo Passion | Aspire Advantage | $33 | Milton, 57, Los Banos, CA | State Minimum | No |
| November 6, 2024 | Smart Fortwo Passion | Aspire Advantage | $40 | Teresa, 49, Torrance, CA | State Minimum | No |
| November 4, 2024 | Smart Fortwo Pure | Progressive | $143 | Susan, 52, Flushing, NY | State Minimum | No |
| November 4, 2024 | Smart Fortwo Pure | Progressive | $112 | Abbie, 27, Stamps, AR | 25/50 | No |
The best car insurance companies for Smart drivers
When you’re shopping for car insurance, you want to find a policy that will be the perfect fit for you and for your car.
There’s no single car insurance company that will provide the best policy for every Smart driver. Your auto insurance rates will depend on factors like your driving record, insurance history, age, location, and vehicle.
To help make it easier for people to compare car insurance companies, Jerry conducted the largest insurance survey in the nation.
Here’s how Smart drivers rate different insurance companies:
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.6 | 4.4 | 4 | 4.5 |
| Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
| USAA | 4 | 3.5 | 4.5 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
| Geico | 3.9 | 3.3 | 3.9 | 4 |
| Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
- How’d we get these scores?Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Insurance costs for popular Smart models
The type of Smart car you choose will affect your auto insurance costs. Your rate will depend partly on:
- Safety ratings: The subcompact size of a Smart Fortwo can lead to damage if you’re in an accident, but safety features like equipped driver and passenger airbags and active brake assist could help lower your risk—and your insurance rates.
- Vehicle value: If you drive a newer Smart car with an upgraded trim, you’ll pay more to insure it than you would for an older base model.
- Type of car: Subcompact cars like the Smart Fortwo typically cost less to insure than sports cars, but may cost a little more than a more durable SUV.
- Engine: Your insurance costs may be higher for an electric Smart car than its gasoline-powered counterpart.
- Availability of replacement parts: Smart cars are no longer sold in the US, making it more expensive to source parts to repair or replace them if they break down or are damaged in an accident.
Check out the table below to see the average cost of car insurance for these Smart cars:
| Car | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
| Smart Fortwo | $65 | $146 |
To drive legally, you have to carry at least the minimum required insurance coverage required by the state where you live. This minimum insurance typically includes small amounts of basic liability coverage, which includes both bodily injury liability and property damage liability. Some states also mandate personal injury protection (PIP) or uninsured/underinsured motorist coverage to help simplify the process of covering medical bills after an accident.
Liability insurance only pays for damage to another vehicle if you cause an accident. To ensure your own vehicle is protected, you’ll need full-coverage insurance, which includes both collision coverage and comprehensive coverage.
Both types of coverage meet your legal obligations—but most drivers need full coverage.
While knowing averages may be helpful, the best way to get an accurate idea of how much you can expect to spend on car insurance is to shop around for insurance quotes. Jerry makes insurance shopping simple, generating you quotes from over 50 top insurance providers in seconds.
Smart Fortwo insurance rates
The Fortwo was the only Smart model sold in the United States. The gasoline-powered version was introduced to the US in 2008, with the electric model debuting in 2011. However, sluggish sales led the gas-powered Fortwo to be discontinued in 2017, with the electric version ending its run in 2019.
Today, used Fortwo models are fairly inexpensive, and insurance costs are likely to be relatively low as a result.
Here’s how much you might expect your cost to change based on the trim level of your car:
That said, there’s no set price for Smart Fortwo insurance—your premiums will be impacted by things like the body style, trim, and engine you choose.
- Passion: The Fortwo Passion is available as a coupe or a cabriolet. Like all Fortwos, it came as a two-door, two-seater, rear-wheel drive vehicle.
- Prime: The Prime came standard with a black leather interior, sunroof, and heated seats.
- Pure: Only available as a coupe, this stripped-down version made features like power mirrors optional, helping budget-minded shoppers save even more.
If you drive a Smart Prime Cabriolet, your insurance costs will likely be a little higher than if you drive a Smart Pure—but since even the newest models will be several years old, your insurance costs should be reasonable, especially if you have a good driving record.
That said, averages are not a good indicator of what your own policy might cost. Check out some real quotes from Jerry users:
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Smart Fortwo | National General | $57 | Amelia, 49, Gray Court, SC | State Minimum | Yes |
| Smart Fortwo | Aspire Advantage | $33 | Milton, 57, Los Banos, CA | State Minimum | No |
| Smart Fortwo | Aspire Advantage | $40 | Teresa, 49, Torrance, CA | State Minimum | No |
| Smart Fortwo | Progressive | $143 | Susan, 52, Flushing, NY | State Minimum | No |
| Smart Fortwo | Progressive | $112 | Abbie, 27, Stamps, AR | 25/50 | No |
We love saving our customers money. Turns out, they love it too! Here’s what they have to say about their switch with Jerry:
Are Smart cars more expensive to insure?
Smart insurance costs are 45% less than the average cost of other cars on the market.
Check out the table below to see how Smart insurance compares to insurance costs for other makes:
| Car Make | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
| Smart | $65 | $146 |
| Mini | $90 | $166 |
| Jeep | $94 | $165 |
| KIA | $99 | $182 |
| Hyundai | $101 | $186 |
Remember that the best rates for you depend on various factors, including your car model year, your driving record, your age, and your insurance claims history. The best way to find the cheapest Smart insurance rates is to shop around and compare car insurance policies from many companies.
What factors affect Smart car insurance rates?
There are a lot of different things that go into calculating your car insurance rate, including:
- Vehicle cost: Used Fortwos are fairly inexpensive, and your insurance rate will probably be lower to reflect that.
- Vehicle age: Newer vehicles often cost more to insure. Since the newest available Smart Fortwos were released in 2019, you’ll likely enjoy lower insurance rates.
- Cost of parts: Because Smart cars are no longer sold in the US, sourcing parts can be difficult and expensive. This may raise your rates.
- Your age: If you’re younger than 25 or older than 70, you’ll probably notice higher insurance rates.
- Your driving record and claims history: If you have a clean driving record, your insurance company will offer you lower insurance rates than if you have a history of violations or at-fault accidents.
- Where you keep your car: If you live in a densely-populated city, high-crime neighborhood, or area with an increased risk of natural disasters, you’ll probably pay more for your car insurance.
Smart car insurance costs for young drivers
Insurance for teen drivers—between the ages of 16 and 19—are some of the highest you’ll find for any driver. We recommend full coverage for teen drivers, since they have a higher accident rate than someone with plenty of practice behind the wheel.
Smart car insurance costs for senior drivers
Although most adults enjoy lower car insurance rates, once you’re in your mid-70s, you may notice your premiums going up again. Car insurance for seniors often costs more because of an increased risk of serious accidents.
While your age affects your insurance rates, a number of other factors also play a role in determining how much you’ll pay to protect your vehicle. That’s why shopping for personalized insurance quotes is the best way to know what you can expect to pay for car insurance.
Smart car insurance costs for drivers with driving violations
The insurance costs for your Smart car will depend heavily on your personal driving history. If you have a clean record with no recent accidents or tickets, you’ll pay the lowest rates. However, your rates will be surcharged if you’ve received any of the following in the last three to five years:
- Speeding tickets
- DUIs
- At fault accidents
- Reckless driving
- Driving on a suspended license
Cheapest car insurance for Smart drivers with a speeding ticket
You probably won’t notice a steep rate hike after a single minor speeding ticket, but if you receive multiple citations or you’re caught going well above the posted speed limit, you’ll probably notice your premiums skyrocketing.
Even with a speeding ticket on your record, Jerry can help Smart drivers save:
Cheapest car insurance for Smart drivers after an accident
Your car accident and insurance claim history have a big impact on your car insurance rates. If you’ve recently been involved in an at-fault accident and your insurance rates are high, Jerry may be able to help you save.
Check out what these Smart drivers paid for insurance after an accident:
Not At Fault Smart Fortwo Pure Progressive $143 Susan, 52, Flushing, NY State Minimum No At Fault With No Injury Smart Fortwo Passion Bristol West $247 Carolyn, 53, Houston, TX State Minimum No Not At Fault Smart Fortwo Passion National General $148 Ian, 60, Tallapoosa, GA State Minimum No Not At Fault Smart Fortwo Passion National General $51 Lilly, 61, Torrance, CA State Minimum No At Fault With No Injury Smart Fortwo Pure Infinity $241 Noah, 69, Moore Haven, FL State Minimum Yes Last Updated Nov 29, 2024Cheapest car insurance for Smart drivers with other driving violations on their record
Speeding tickets and DUIs aren’t the only offenses that can raise your rates—so can violations like reckless driving, driving without insurance, and running a red light.
No matter what your driving history looks like, Jerry makes it easy to compare your coverage options and save on your auto insurance.
Check out what these Jerry drivers paid for car insurance after various driving violations:
Failure to Yield Smart Fortwo Pure Progressive $143 Susan, 52, Flushing, NY State Minimum No DUI Smart Fortwo Passion National General $51 Lilly, 61, Torrance, CA State Minimum No Suspension Smart Fortwo Pure First Acceptance $156 Gene, 41, Broxton, GA State Minimum No Driving on Sus. License Smart Fortwo Pure Bristol West $45 Susie, 43, North Plains, OR State Minimum No Other Minor Smart Fortwo Pure Bristol West $1,075 Phoebe, 33, Pompano Beach, FL 50/100 Yes Last Updated Nov 29, 2024How can I lower the cost of my Smart car insurance?
Here are our favorite ways to save on your Smart car insurance:
- Shop around: Comparison shopping for insurance coverage allows you to get a clear picture of who’s going to offer you the best rates. Jerry makes this quick and easy—we
- Bundle your insurance policies: Most insurance companies will offer you a car insurance discount if you combine multiple insurance policies with them, like bundling your homeowners and car insurance.
- Participate in a telematics program: If you’re a safe driver, you may benefit from enrolling in a telematics plan that tracks your driving and rewards safe driving behaviors with safe driver discounts.
- Reduce your coverage: You may find that as your Smart car gets older, you don’t need as much coverage on it. Generally, your annual premium should be less than a tenth of the value of your car.
- Raise your deductible: If you have to file a comprehensive or collision claim, you’ll need to pay a deductible first. Raising that deductible will lower your monthly payment—just be sure you can afford the deductible you choose.
FAQ
R.E. Fulton
Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina ZhangLina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
Josh DamicoAs Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
