Cheapest Car Insurance for a Smart Car (2025)
On average, Hugo offers the cheapest car insurance policies for Smart car drivers.
Secure. Free. Easy-to-use.
Excellent
)
Written byJacqueline DeMarco
)
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Featured in
){kind=small}
){kind=small}
)
Edited byCourtney Mikulski
)
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
){kind=small}
){kind=small}
)
Data reviewed byKonstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
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.
Quick Facts
Liability insurance for Smart cars costs less than the national average of $105 per month.
USAA and State Farm are some of the cheapest auto insurance companies for Smart car models.
Mercedes-Benz is no longer manufacturing Smart cars for the U.S. market but still offers service and support for the vehicle.
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.
Car Model  | Average Monthly Quote |
|---|---|
| Smart Fortwo EQ Prime | $181 |
| Smart Fortwo EQ Pure | $164 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| Hugo | $63 |
| USAA | $86 |
| State Farm | $95 |
| GEICO | $99 |
| Nationwide | $109 |
| Allstate | $118 |
| Progressive | $139 |
| American Family | $150 |
| Liberty Mutual | $151 |
| Direct Auto | $169 |
| Travelers | $173 |
| Farmers | $201 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| Hugo | $57 |
| USAA | $78 |
| State Farm | $86 |
| GEICO | $89 |
| Nationwide | $99 |
| Allstate | $107 |
| Progressive | $126 |
| American Family | $136 |
| Liberty Mutual | $136 |
| Direct Auto | $153 |
| Travelers | $157 |
| Farmers | $182 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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:
Determine your coverage needs
Figure out how much coverage you need based on your state’s minimum requirements and how much protection you want. Choose a policy that meets your needs without unnecessary extras.
Shop around and compare rates
Get car insurance quotes from multiple insurance companies. You can use online comparison tools or work with an independent insurance agent to ensure you’re getting the best possible rates.
Bundle your policies
Consider bundling your Smart car insurance with other insurance products, such as home or renters insurance, as this often results in significant discounts. It’s always a good idea to ask for information about any potential customer discounts the insurance company offers.
Maintain a clean driving record
Drive responsibly to qualify for lower premiums, as having a bad driving record is one of the main reasons insurers increase premiums. Avoid accidents and traffic violations because a good driving history can lead to cheaper car insurance for your Smart car.
Recent quotes for other Insurify users
Drivers using Insurify have found quotes as cheap as $52/mo for liability only and $78/mo for full coverage.
*Quotes generated for Insurify users within the last 10 days. Last updated on May 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on May 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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]
Collision coverage
Collision coverage pays for repairs to your vehicle if it’s damaged in a collision with another vehicle or object, regardless of fault. You’ll typically pay a deductible before this coverage kicks in.
Comprehensive coverage
Comprehensive coverage protects against non-collision damage, such as theft, vandalism, natural disasters, or hitting an animal. Like collision, it often requires a deductible.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage safeguards you if you’re involved in an accident with a driver who lacks insurance or doesn’t have enough coverage to pay for your damages.
Personal injury protection (PIP) or medical payments coverage
Personal injury protection and medical payments cover your medical expenses and those of your passengers, regardless of fault. PIP can also include lost wages and other related costs.
Rental car reimbursement coverage
This coverage pays for the cost of a rental car — up to the policy’s limit — while your car is in the shop for repairs after a covered loss.
Gap coverage
If you finance or lease your Smart car, gap insurance pays for the difference between your loan balance and the insurance settlement in the case of a total loss.
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.
)
Learn More: How to Get Cheap Car Insurance
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.
Related articles
)
Car Insurance Rates by Car Make, Model, and Body Type
May 28, 2025
)
Cheapest Van Insurance
May 28, 2025
)
Cheapest Car Insurance for Sports Cars
May 28, 2025
)
Cheapest Car Insurance for Trucks
May 28, 2025
)
Cheapest SUVs to Insure
May 28, 2025
)
Best Classic Car Insurance Companies
May 28, 2025
)
Best Car Insurance Rates for Luxury and Exotic Cars
May 28, 2025
)
Foreign Cars vs. American Cars: Which Are Better?
February 26, 2024
Sources
)
Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
