Best Car Insurance for Smart Fortwo Pure 2022

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Best insurance for Smart Fortwo Pure

One of the biggest factors determining your auto insurance rates is the model of car you drive. When setting your insurance premiums, providers consider how much it will cost them to replace or repair your vehicle.
Within each make, insurance premiums will vary as well because each model will have a different price, safety rating, and reliability standard—all of which impact your car insurance premiums.
Jerry is the insurance broker app that helps people save money on their car insurance quickly and easily.
Drivers save as much as 72% per year insuring their Smart Fortwo Pure when they switch insurance providers with Jerry.
Want more proof? Here are some real quotes for Smart Fortwo Pure drivers after switching with Jerry.
Quote DateZip CodeStateCityAgeInsurance Company
Before Jerry
After Jerry
2021-07-2394014CADaly City27National General$4,896$1,056
2021-07-0199362WAWalla Walla35Safeco$1,110$888
2021-06-2936869ALPhenix City20Progressive$3,564$2,664
2021-10-1431419GASavannah29National General$2,028$1,716
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How much does it cost to insure a Smart Fortwo Pure

The average annual cost to insure a Smart Fortwo Pure is $4,953, which is $184 higher than the average annual cost to insure Smarts. The base cost of your vehicle will make an impact on your insurance rates—in general, a more expensive car will have higher coverage costs.
The price of your premiums also is impacted by what coverage you choose.
No-fault states require you to carry personal injury protection, as well. This coverage kicks in to pay for your party’s medical bills and lost income no matter who caused the accident.
Other states may mandate uninsured motorist coverage which will cover your costs if you are in an accident with an uninsured or underinsured driver.
Most states also require varying amounts of liability insurance, which covers damage to other drivers (bodily injury liability) and their cars (property damage liability) if you are at fault in an accident.

Insurance coverage to consider for a Smart Fortwo Pure

While the mandatory liability coverage will be the cheapest option to insure your Fortwo Pure, it’s a good idea to carry more than the minimum insurance.
Most drivers will opt for full-coverage insurance, which will further protect you and your car if you’re in an accident or your car is damaged by another event.
Full-coverage insurance includes: Collision coverage, which pays for damage to your vehicle that happens as a result of an accident with another vehicle or stationary object Comprehensive coverage, which pays for damages not due to a collision, such as vandalism or severe weather

What determines your car insurance cost for a Smart Fortwo Pure

In addition to the car you drive and the policy you choose, other factors will have a major impact on your monthly premiums. Providers will consider your demographics, as well as features specific to your vehicle when determining your rates.
Here are some factors that may impact your auto insurance premiums.

Your age

The cost of insurance for a Smart Fortwo Pure will vary depending on your age. In general, drivers will have higher auto insurance premiums than older drivers because of their lack of driving experience and the higher accident rate for drivers under 25. That said, teenage drivers will see higher insurance rates for a Smart Fortwo Pure than 20-year-old drivers as costs will continue to decrease as drivers gain experience. Here are average costs of insurance for Jerry customers who drive a Smart Fortwo Pure:
Age Groups
Average Cost
Annual Savings with Jerry

The year of your car

Not only does your age impact the rate you pay for your car insurance premiums, but your car’s age also is a factor. Because cars depreciate over time—generally losing 60% of their value in the first five years—the cost of car insurance premiums for a Smart Fortwo Pure will be lower for an older car. These are real quotes Jerry has found for drivers of a Smart Fortwo Pure based on model year:
Model year
Average Cost
Annual Savings with Jerry

Your carrier

While all insurance companies will consider similar factors when setting your car insurance premiums, each provider uses its own formula to set your rates. Therefore, you can find drastically different premiums depending on the provider—even for the exact same coverage. It’s smart to compare policies from multiple providers before purchasing insurance so you know you’re always getting the best price for the coverage you need. Here are quotes for Jerry users who drive a Smart Fortwo Pure with different carriers:
Insurance company
Average Cost
Annual Savings with Jerry
National General$5,540$4,290
Bristol West$2,304$366

Trim levels and vehicle materials

The Smart Fortwo Pure comes in several trim levels—versions of the same car with different features—and opting for a higher trim could mean you’re getting a car with more premium features.
However, those upgrades will come at an extra cost. Not only will the cost of your vehicle be higher, but premium qualities—like a flashy infotainment system, higher horsepower engine, or luxury finishings—will raise your insurance costs, as well. Furthermore, some features—like an upgraded sound system—will require their own insurance policy in case of damage, theft, or vandalism.
If you’re looking to save money on car insurance, it may be a good idea to stick to the base trim for a Smart Fortwo Pure.

Explore Other Smart Models:

How can I save money when insuring my Smart Fortwo Pure

The Smart Fortwo Pure is pretty affordable to own, so let’s make sure your car insurance is affordable too. Here’s how!

Comparison shop

Saving money on car insurance starts with finding cheap insurance to begin with, and there’s no better way to find cheap insurance than by comparison shopping using the Jerry app.
If you were comparison shopping on your own, you might be able to find a handful of quotes if you spent all afternoon working on it. It’s a time-consuming process of phone calls and online forms. But Jerry will find you more than 50 quotes, all from trusted insurance providers, in a fraction of the time.
After you choose the best quote for you, Jerry will continue to save you time by helping you through the entire signup process for your new policy. As a registered car insurance broker, Jerry can eliminate all of the paperwork and phone calls, and even cancel your old policy for you.
It’s not just time you’ll save, either. Jerry users save $879 per year on car insurance on average. And some Jerry users even save more!
Key Takeaway Jerry takes all of the frustration out of comparison shopping, saving you time while also finding you the cheapest car insurance available to you.

Opt for a lower trim level

The Smart Fortwo Pure is a decently-equipped base model, and it’s cheaper and depreciates more slowly than the car’s higher trim levels. Given this is a small city car meant for the daily commute, what added benefits do you really need your Fortwo to have?
Those higher trims might have slightly improved features, but this isn’t a car most owners spend a lot of time in. It’s not really meant for epic road trips or leisurely weekend cruises to theme parks. Skipping the higher trims means you’re saving money on car insurance, making the car as efficient on your bank account as it is on the street.

Skip the extra features

When buying a used car, you’re pretty much stuck with whatever extra features and accessories the car came with. If you were buying a brand new car, we’d tell you to skip buying extras, so the added cost isn’t contributing to your insurance prices.
For a used car, just make sure the previous owner isn’t trying to pass on the costs of those extra features to you. Those features might add comfort or function to the car, but they certainly do not add value.

Invest in anti-theft and safety features

Another factor impacting the price of car insurance is just how safe the car is for its occupants, what features it has that can help avoid an accident, and if it has anti-theft features that deter criminals. Anti-theft and safety features will reduce the cost of your insurance.
When buying a used car, you’ll want to make sure those anti-theft and safety features are in good working order. If the car alarm or airbags aren’t working, paying to get them repaired can save you money on car insurance in the long term.

Keep a clean record

Your driving record (and the driving records of anyone else insured to drive the vehicle) will impact insurance prices as well, both for liability insurance and full-coverage insurance.
Safe drivers will always pay less for car insurance than drivers with accidents or lots of tickets on their driving record. So avoid speeding, always use your turn signals, and never text and drive if you want to keep insurance prices to a minimum.
Insurance companies usually reward safe driving, too. You might get a discount on your rates, and not filing any claims over time will usually result in cheaper car insurance, too.

Look for discounts

Hoping to save even more money on car insurance for your Smart Fortwo Pure? Keep an eye out for discounts that can make a big difference in what you’re paying for insurance.
Most insurance companies will offer you a sizable discount if you pay your full premium on your first bill, rather than spreading out payments month by month. And many will give you a big discount when you bundle your home and auto insurance, too.
It never hurts to give your insurance company a call before you renew your insurance to ask about any special offers or promotions that would apply to you and your Smart Fortwo Pure. Ask about their loyalty discounts, too.

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