Cheapest Car Insurance for a Smart Car (2025)
On average, Hugo offers the cheapest car insurance policies for Smart car drivers.
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If you drive a Smart car from the popular auto manufacturer Mercedes-Benz, then you may already enjoy the vehicle’s small size and ability to zip in and out of tight parking spaces. Plus, Smart cars are generally affordable to insure. The average cost of car insurance for a Smart car is $172 a month for full coverage and $86 a month for liability only. The compact size of this car is likely what makes it more affordable to insure than other larger car models.
If you want to free up some room in your monthly budget, here’s how to find cheap Smart car insurance.
How much does it cost to insure a Smart car?
Many factors influence the cost of Smart car insurance, including vehicle-specific elements. First, the car’s make, model, and year play a pivotal role. High-performance or luxury vehicles tend to have higher insurance premiums due to their repair and replacement costs. Additionally, the car’s age and safety features affect rates, with newer cars often qualifying for discounts thanks to advanced safety technology.
Another critical factor is what the driver uses the car for — whether for commuting, business, or pleasure. Commuters may pay more expensive premiums, as they spend more time on the road, increasing their risk of accidents.1
The following table outlines the average monthly car insurance quotes for full-coverage policies for two Smart car models.
Cheapest car insurance for Smart cars
To help you find the cheapest car insurance for Smart cars, let’s take a closer look at how much it can cost on average to insure two types of Smart vehicles with various companies.
Smart Fortwo EQ Prime
The Smart Fortwo EQ Prime is one of the last Smart car models that Mercedes-Benz sold in the U.S. New models aren’t available in the United States anymore, but Mercedes-Benz is still servicing and supporting the vehicles.
Shop around and get quotes from different car insurance companies to find the one that offers the coverage you need at the best price for your budget. The table below shows the cheapest car insurance companies for the Smart Fortwo EQ Prime.
Smart Fortwo EQ Pure
Like the Smart Fortwo EQ Prime, new Pure models aren’t available in the U.S. anymore. However, the two Smart car models share plenty of features. The difference between the Fortwo EQ Pure and the Fortwo EQ Prime is the trim. The Pure model came with steel wheels versus the Prime’s aluminum wheels, and some optional interior features that were available with the Prime weren’t available with the Pure model.
The cheapest insurers for the Smart Fortwo EQ Pure model are Hugo, USAA, and State Farm. But check out the table below for other cheap car insurance companies.
How to get the cheapest Smart car insurance
If you want to insure your Smart car without spending too much on insurance, consider these tips while shopping for a new policy:
What Smart car insurance covers
You usually have the following coverage options when insuring your Smart car to protect yourself and other drivers. While almost all states require liability insurance, you can also add optional coverages to your policy for more protection:2
Factors that affect your car insurance rates
Various factors affect how much you’ll end up spending on car insurance. Some of the most important factors include:1
Driving record: A history of accidents, traffic violations, and DUI convictions can raise the cost of insurance significantly, as insurers consider you a higher risk.
Age and gender: Younger, inexperienced drivers and males typically pay more for car insurance, as they’re statistically more likely to have accidents.
Vehicle type: The make, model, and age of your car affect the cost of insurance. High-performance and luxury cars often come with higher premiums due to their repair costs.
Location: Where you live matters — urban areas with more traffic and theft risk often have higher average rates than rural areas.
Smart car insurance FAQs
Learn why your car insurance costs might be high, and check out the answers to common questions about insurance for Smart cars.
Who has the cheapest Smart car insurance?
Some of the cheapest car insurance companies for Smart models are Hugo, State Farm, and USAA. These companies have the lowest average monthly rates for the Fortwo Prime and Fortwo Pure models, according to Insurify data. However, the best way to find the lowest rate for you is to compare quotes from multiple car insurance companies.
How much does Smart car insurance cost?
The average cost of car insurance for Smart models is $172 a month for a full-coverage policy and $86 a month for a liability-only policy.
Are Smart cars expensive to insure?
Not when compared to other vehicles. Smart cars are one of the more affordable cars to insure. For example, on average, it costs $86 a month for a liability-only policy for a Smart car but $126 for a Tesla and $123 for a Mercedes-Benz.
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