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Smart Car insurance

Compare car insurance prices for your Smart car and find a cheaper deal

  • Find affordable cover for your Smart car

  • See prices from over 110 insurers

  • It’s fast free and easy

Find cheap car insurance and get rewarded

About Smart?

SMART is a German car manufacturer that specialises in so-called microcars designed for zipping around the city and slotting into tiny parking spaces. A division of Daimler AG, SMART was founded in 1994, making it one of the youngest car companies in operation.

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How can I get cheaper car insurance?

Increasing your excess

Increase – or add – a voluntary excess to get cheaper premiums. But make sure you could afford to pay this amount in the event of a claim.

Buying insurance 20 days ahead

Our research shows this is when you’ll get offered the best renewal quotes and that comparing quotes on this day can save you up to £231^ .

Paying annually

Pay for your car insurance in one go. Annual payments are up to 31% lower than the total cost of monthly instalments, saving you up to £267.

Based on MoneySuperMarket quoted policies for annual car insurance, between August 7th 2024 and November 5th 2024.


Driving safely

Convictions and endorsements for speeding or other driving offences will mean paying more for insurance.

Reducing extras

Add-ons like breakdown cover cost extra to add to your policy. Cutting out the extras you don't need can reduce your car insurance price.

Building up a no-claims bonus

The more no claims bonus you have, the cheaper your premium will be.

Parking off-road

You can reduce the cost of motor insurance by parking your vehicle off the road – such as a secure car park or locked garage – when you're not using it.

Adding a named driver

Young or inexperienced drivers can reduce premiums by adding an older driver to their policy.

What type of insurance do I need?

When choosing car insurance, you have three options:

  1. Fully comprehensive: This is the highest level of coverage, providing financial protection if your car, any other car, person, or property is involved in a claim.

  2. Third party, fire and theft: This covers damages to others' cars or property if you're in an accident. It also protects against fire damage and theft, but it won't cover your car's damages in an accident—only fully comprehensive policies offer that level of protection.

  3. Third party only: This offers financial protection solely for damages to others' cars or property in an accident.

Fully comprehensive policies are often the cheapest, as insurers consider these policyholders to be lower risk. However, this can vary depending on the make and model of your vehicle.

Where can I get insurance for my Smart?

MoneySuperMarket's comparison tool allows you to compare quotes from trusted insurers across the UK. Once you've filled out a few details, we'll compile all your quotes in one place to help you find the best deal on your car insurance.

What our customers say about us

See all reviews
  • MSM offered a good range of competitive quotations from many of the well known insurers. Very well organised. Easy to both follow instructions and purchase the motor policy.

  • I needed new insurance for my car as my current provider just got so expensive for no reason and this website Moneysupermarket.com not only found me car insurance that matched but also saved me 50%

  • Good at finding cheap but good car insurance.

  • Very pleased with Money Supermarket. Use it a lot for various insurances etc. Would recommend it to anyone.

What do I need to get accurate car insurance quotes?

  • Your car registration number and driving licence number

  • Any no-claims bonus you’ve accrued

  • When you bought the car and any modifications made

  • Your expected annual mileage

  • Whether you’ll use the car for social, commuting, or business purposes

Note: you can still get a quote if you don't know the registration yet

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Reviewed on 8 Dec 2025 by