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Updated on Nov 22, 2024

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Learn more about our insurance review board

What's on this page?

How much does Smart car insurance cost?
How to find the cheapest Subaru car insurance Quotes
Insurance costs for popular Smart models
What factors affect Smart car insurance rates?
How can I lower the cost of my Smart car insurance?
FAQs
Methodology
Meet Our Experts

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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
November 20, 2024	Smart Fortwo Passion	Infinity	$80	Elijah, 58 Winter Garden, FL	• State Minimum Liability • Comp / Collision
November 17, 2024	Smart Fortwo Pure	Clearcover	$67	Michael, 36 Fresno, CA	• 25,000/50,000 Liability • Comp / Collision
November 16, 2024	Smart Fortwo	Mercury	$120	Luis, 37 Deltona, FL	• 100,000/300,000 Liability • Comp / Collision
November 7, 2024	Smart Fortwo Pure	Safeco	$118	Maude, 48 Bronx, NY	• State Minimum Liability
November 6, 2024	Smart Fortwo Pure	Allstate	$128	Mabel, 31 Canton, TX	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 20, 2024

Compare car insurance quotes now

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.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

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.

There were three trim levels available for the electric Fortwo in 2019, its last year in the US.

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
Smart Smart_fortwo	Progressive	$74	Peter, 37 North Canton, OH	• 50,000/100,000 Liability • Comp / Collision
Smart Smart_fortwo	Safeco	$75	Bertha, 32 West Fargo, ND	• 100,000/300,000 Liability • Comp / Collision

Last Updated Nov 16, 2024

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We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

I was really struggling to get insurance and this amazing agent was able to get me insurance and a lower payment than other places.

Tatiana

I was paying 220 for full coverage thru state farm but swapping over to clear cover I instantly started saving 100$ and they are easy to use!

Lane

Progressive has been great so far. Thanks Jerry for showing me cheaper car insurance!

Paige

So far so good, haven't had any issues!

Annasette

Are Smart cars more expensive to insure?

Smart insurance costs are 28% 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
Chevrolet	$92	$174
Ford	$92	$170
Toyota	$93	$166
Infiniti	$105	$213

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.

Progressive

Addie (24 years old)

Coverage

State Minimum

Denver, CO

Smart Fortwo Passion

$100

per month

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.

Progressive

Warren (69 years old)

Coverage

State Minimum

Moore Haven, FL

Smart Fortwo Pure

$129

per month

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:

Accident type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
At Fault With No Injury	Smart Fortwo Pure	Progressive	$129	Warren, 69 Moore Haven, FL	• State Minimum Liability • Comp / Collision
At Fault With Injury	Smart Fortwo Pure	Progressive	$130	Nancy, 25 Bakersfield, CA	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Smart Fortwo Pure	Allstate	$62	Lora, 31 Twin Falls, ID	• 100,000/300,000 Liability
	Smart Fortwo Pure	Safeco	$118	Francis, 48 Bronx, NY	• State Minimum Liability
Not At Fault	Smart Fortwo Passion	Infinity	$80	Mittie, 58 Winter Garden, FL	• State Minimum Liability • Comp / Collision

Last Updated Nov 22, 2024

Cheapest 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:

Violation	Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Failure to Obey Signal	Smart Fortwo Passion	Progressive	$84	Bettie, 41 Atlanta, GA	• 50,000/100,000 Liability • Comp / Collision
Driving on Sus. License	Smart Fortwo Passion	Bristol West	$96	Henrietta, 27 Lambertville, NJ	• 25,000/50,000 Liability
Failure to Obey Signal	Smart Fortwo Pure	Clearcover	$66	Richard, 67 Blue Mountain, MS	• State Minimum Liability

Last Updated Nov 21, 2024

How 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.

FAQs

How much does a Smart car cost?

The cost of a Smart Fortwo will depend on the year and condition, but in general, you can find them for around $5,000 to $7,000.

How many miles per gallon does a Smart car get?

The 2017 Smart Fortwo with a gas-powered engine gets 33 mpg city, 39 mpg highway, and 35 mpg combined, according to the EPA.

Are Smart cars gas or electric?

The Smart Fortwo was available as a gas-powered vehicle from 2008 to 2017 and an electric vehicle from 2011–2019.

Are Smart cars expensive to insure?

Because of the relatively low resale value of a Smart Fortwo, they probably won’t be extremely expensive to insure. However, their small size can lead to dangerous damage in an accident, and it could be difficult to source replacement parts if the car is damaged. These could raise your rates somewhat.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

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 Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just 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.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.