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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

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Who is 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 much does a Smart car cost to insure?

Insurance providers sort cars into 50 different insurance groups, with one being least expensive and 50 the most expensive. So how much you pay to insure a SMART car will depend on the model you choose to drive, among a range of other factors.

That said, there are only a few SMART cars on sale in the UK, so whether you pick the cheapest – the Roadster – or the most expensive – the larger Forfour – the price difference is unlikely to exceed a couple of hundred pounds.

  • 1

    Three most popular models²

    1. ForTwo - £496 /year to insure  
    2. ForFour - £625 /year to insure
    3. ForFour Passion - £501 /year to insure

  • 2

    Three most expensive models²

    1. ForFour - £625 /year to insure
    2. ForFour Passion - £501 /year to insure
    3. ForTwo - £496 /year to insure

  • 3

    Three least expensive models<sup>2</sup>

    1. ForFour Passion MHD - £443 /year to insure
    2. ForTwo - £496 /year to insure
    3. ForFour Passion - £501 /year to insure

Who drives a Smart car?

Unsurprisingly given their city friendly design, SMART cars are a far more common sight on the roads of the capital than in other parts of the country. In fact, London is where you will find almost half of the SMART cars in the UK, our figures suggest.

These little cars are most popular with drivers aged between 30 and 39, but also have plenty of fans in the 50 to 64 and 25 to 29 age groups2.

Average car insurance premiums by age and policy type

2Based on fully comprehensive car insurance policies with one driver holding a full UK licence. Data collected between September 2020 and March 2021, accurate as of May 2021.

What cover do I need for my Smart car?

When you take out insurance for your Smart car, you’ll have the choice of three different policy types:

  • Fully comprehensive

    Fully comprehensive policies will cover you for damage, repairs, medical expenses, fire damage and theft, as well as damage done to someone else, their car or their property

    £598 on average2

  • Third-party, fire and theft

    Third-party, fire and theft offers cover for other people, their vehicles and their property, as well as protection for your own vehicle if it’s stolen or damaged by fire

    £916 on average2

  • Third-party only

    Third-party only car insurance covers you for any damage you do to a third party, their vehicle or their property. It won’t pay out for any damage done to your own car

    £1,425 on average2

What extra features can I add to my Smart car policy?

Once you’ve chosen a car insurance policy type, you can tailor it to your needs by adding various extra features, such as:

  • Breakdown cover

    Breakdown cover helps with the cost of calling roadside assistance if your vehicle breaks down

  • Motor legal protection

    Motor legal protection can help cover legal costs you might face related to a car insurance claim

  • Personal accident cover

    Personal accident cover pays out compensation if you’re injured or killed in an accident

How can I cut the cost of my Smart car insurance?

There are a number of ways you might be able to lower your car insurance premiums:

  • 1

    Park safely if you can

    Parking on a private driveway, or in a garage or carport, makes vandalism and theft less common - thereby lowering your monthly premiums

  • 2

    Consider telematics

    Installing black box equipment in your car allows the insurer to monitor your driving - so they can reward good habits with lower premiums

  • 3

    Lower your mileage

    Driving fewer miles means you're less likely to be involved in an accident - insurers offer cheaper cover for the reduced risk

  • 4

    Pay premiums annually

    Paying annually might mean a bigger up front payment, but it often works out cheaper than spreaing the cost over 12 months

Where can I find Smart car insurance?

It’s easy to find car insurance for your SMART car when you compare quotes with MoneySuperMarket. Just tell us a bit about yourself, your vehicle, and the level of cover you want, and we’ll show you a list of deals that match your requirements.

You can compare the options available by cost, the cover you’ll receive, and the excess you’ll need to pay to make a claim – then simply click through to the provider’s page once you’ve found the right policy.

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