Insurance by make
Smart Car Insurance
Smart’s compact city cars are inexpensive to repair, which generally keeps premiums low.
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Quick answer
Illustrative full-coverage insurance for a Smart starts around $150 per month for a standard driver profile, varying by model, trim, year, location, and record. Compare quotes to see your actual price.
Smart insurance cost by model
These illustrative monthly estimates assume a standard full-coverage profile. Your rate will differ.
| Model | Body type | Illustrative / mo | Details |
|---|---|---|---|
| Smart Fortwo | Hatchback | $128 | View Fortwo |
| Smart EQ Fortwo | Hatchback (EV) | $132 | View EQ Fortwo |
Estimated rates for illustration only — not a quote.
What affects your Smart insurance rate
Beyond the model you choose, insurers weigh your age, location, driving history, annual mileage, credit (where allowed), and the coverage limits and deductibles you select. Safety features and anti-theft technology can help lower your premium.
How to save on Smart insurance
The single best step is to compare quotes across insurers, since prices for the same vehicle can vary by hundreds of dollars. Also explore cheap car insurance strategies, full coverage trade-offs, and other vehicles.
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Smart insurance FAQs
How much does it cost to insure a Smart?
Smart insurance costs depend on the specific model, trim, year, your location, driving record, and coverage level. On this page you can compare illustrative monthly figures by model. These are estimates for education only, not quotes.
Is a Smart expensive to insure?
Where a Smart falls depends on the model. Economy and family models are generally cheaper to insure, while performance, luxury, and electric trims cost more because of higher repair and replacement costs.
How can I lower my Smart insurance rate?
Compare quotes from several insurers, ask about every discount you qualify for, consider a higher deductible, bundle with home or renters insurance, and maintain a clean driving record.
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- Licensed agency partners nationwide
- No effect on credit score
- Free comparison
- Compare 120+ carriers