Smart Fortwo Car Insurance Calculator

View in real-time how changes to different risk factors influence insurance rates for a Smart Fortwo. Customize factors such as driving violations, coverage levels, and mileage driven to see how rates are affected. Immediately discover whether your choice increases or decreases the cost of insurance.

The average estimated car insurance premium for a 2019 Smart Fortwo is $1,700 per year, or about $142 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,700

Cost Per Month

$142

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Smart Fortwo Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Smart Fortwo.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,700
Average Rate
Your Rate
$1,700

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Smart Fortwo.

The 'Average Rate' is a combined value for all Smart Fortwo trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2019 Smart Fortwo is $1,700.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2019 Smart Fortwo vs. the Small Car Segment

The table below compares insurance rates for the 2019 Smart Fortwo against all other models in the small car segment. The Smart Fortwo is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Smart Fortwo, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Smart Fortwo.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2019 Smart Fortwo Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford Fiesta$1,546-$154
2Honda Fit$1,548-$152
3Toyota Corolla$1,552-$148
4Fiat 500$1,560-$140
5Fiat 500L$1,650-$50
6Chevrolet Spark$1,664-$36
7Volkswagen Golf$1,678-$22
8Fiat 124 Spider$1,688-$12
9Hyundai Accent$1,690-$10
10Toyota Yaris$1,694-$6
11Smart Fortwo$1,700--
12Subaru Impreza$1,704$4
13Mazda 3$1,724$24
14Honda Civic$1,812$112
15Fiat 500E$1,822$122
16Nissan Sentra$1,842$142
17Nissan Versa$1,852$152
2019 Small Car Average$1,859$159
18Kia Forte$1,862$162
19Hyundai Veloster$1,868$168
20Volkswagen Beetle$1,900$200
21Kia Rio$1,934$234
22Toyota Prius$1,950$250
23Honda Clarity$1,972$272
24Chevrolet Sonic$1,994$294
25Volkswagen GTI$2,000$300
26Hyundai Ioniq$2,016$316
27Chevrolet Cruze$2,036$336
28Chevrolet Volt$2,056$356
29Hyundai Elantra$2,096$396
30Volkswagen Jetta$2,144$444
31Volkswagen E-Golf$2,154$454
32Toyota 86$2,270$570
33Toyota Mirai$2,378$678

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2019 Fortwo Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 Smart Fortwo.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2019 Smart Fortwo Insurance Rates by Trim Level
2019 Smart Fortwo Trim Level Annual Premium Cost Per Month
EQ Coupe$1,590$133
EQ Convertible$1,810$151

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2019 Smart Fortwo for different driver ages.

2019 Smart Fortwo Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,130$511
17$5,908$492
18$5,245$437
19$4,793$399
20$3,660$305
21$3,491$291
22$3,118$260
23$2,576$215
24$2,427$202
25$1,968$164
30$1,804$150
35$1,746$146
40$1,700$142
45$1,592$133
50$1,512$126
55$1,414$118
60$1,416$118
65$1,506$126
70$1,636$136
75$1,940$162
80$2,392$199

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Smart Fortwo trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Smart Fortwo.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Smart Fortwo Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2019 Smart Fortwo$1,700$142
2018 Smart Fortwo$1,570$131
2017 Smart Fortwo$1,354$113
2016 Smart Fortwo$1,254$105
2015 Smart Fortwo$1,262$105
2014 Smart Fortwo$1,306$109
2013 Smart Fortwo$1,032$86

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Smart Fortwo trim levels for each model year.