Smart Insurance Cost
Across 1 Smart models, full coverage averages about $1,305 a year by our estimate — −18% versus the average vehicle ($1,590).
Smart insurance profile
Smart’s lineup is made up mostly of 1 subcompact car.
Every Smart model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| fortwo | Subcompact car | 2008–2019 | — | $1,305 | −18% |
What makes Smart insurance cost more or less
- EV batteries: 1 electric model — battery packs and high-voltage components are costly to repair or replace after a crash.
- Segment mix: 1 subcompact car.
Average Smart insurance cost by state
Average full-coverage estimate across current Smart models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| North Dakota | $960 | −26% |
| Maine | $965 | −26% |
| Vermont | $980 | −25% |
| Iowa | $1,020 | −22% |
| Idaho | $1,035 | −21% |
| Wisconsin | $1,035 | −21% |
| Hawaii | $1,045 | −20% |
| Indiana | $1,080 | −17% |
| New Hampshire | $1,080 | −17% |
| Ohio | $1,085 | −17% |
| North Carolina | $1,125 | −14% |
| South Dakota | $1,145 | −12% |
| Wyoming | $1,170 | −10% |
| Kansas | $1,205 | −8% |
| Montana | $1,205 | −8% |
| Nebraska | $1,210 | −7% |
| Tennessee | $1,260 | −3% |
| Minnesota | $1,265 | −3% |
| West Virginia | $1,265 | −3% |
| Kentucky | $1,285 | −2% |
| Virginia | $1,310 | 0% |
| Alabama | $1,320 | +1% |
| Illinois | $1,320 | +1% |
| Pennsylvania | $1,325 | +2% |
| Arkansas | $1,330 | +2% |
| Alaska | $1,335 | +2% |
| Washington | $1,340 | +3% |
| New Mexico | $1,365 | +5% |
| Oklahoma | $1,365 | +5% |
| Missouri | $1,380 | +6% |
| Oregon | $1,385 | +6% |
| Utah | $1,395 | +7% |
| Mississippi | $1,450 | +11% |
| California | $1,490 | +14% |
| Massachusetts | $1,500 | +15% |
| Arizona | $1,605 | +23% |
| Connecticut | $1,630 | +25% |
| South Carolina | $1,645 | +26% |
| Michigan | $1,660 | +27% |
| Maryland | $1,720 | +32% |
| Colorado | $1,725 | +32% |
| Delaware | $1,725 | +32% |
| Nevada | $1,780 | +36% |
| Texas | $1,800 | +38% |
| Rhode Island | $1,855 | +42% |
| New Jersey | $1,860 | +43% |
| Georgia | $1,910 | +46% |
| District of Columbia | $1,920 | +47% |
| New York | $2,065 | +58% |
| Louisiana | $2,120 | +62% |
| Florida | $2,215 | +70% |
Frequently asked questions
How much does it cost to insure a Smart?
Across 1 current Smart models, our full-coverage estimate averages $1,305 a year for a driver in their 30s with a clean record, 18% less than the average vehicle ($1,590).
What is the cheapest Smart to insure?
The Smart fortwo has the lowest estimate at about $1,305 a year for full coverage; the Smart fortwo is the most expensive at about $1,305.
Where is it cheapest to insure a Smart?
By our estimates, North Dakota is the cheapest state (about $960 a year on average across current models) and Florida the most expensive (about $2,215).
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.