Smart fortwo Insurance Cost in New Jersey
Insuring a Smart fortwo in New Jersey costs about $1,650 a year ($137/month) for full coverage by our estimate — +26% versus the same car nationally — the 5th most expensive of 51 states for this model.
Smart fortwo insurance in New Jersey at a glance
The Smart fortwo is 14% cheaper than the average vehicle to insure in New Jersey. New Jersey's own base rates are 23% higher than the national average, which carries through to every model.
New Jersey factors that affect fortwo premiums
- Uninsured drivers: 14.1% of New Jersey drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your fortwo.
- Theft: 146 vehicle thefts per 100,000 residents (U.S. 197).
- Weather: FEMA rates New Jersey's expected annual losses as very low for hail, relatively moderate for tornado, relatively moderate for hurricane, relatively high for inland (river) flooding, very high for strong wind — hail, wind and flood claims fall under comprehensive.
- Crash risk: 0.84 traffic deaths per 100 million miles (U.S. 1.19).
- Fault system: Choice no-fault, with required personal injury protection.
Smart fortwo insurance cost in New Jersey cities
| City | Full coverage | Minimum | vs. state |
|---|---|---|---|
| Newark | $1,855 | $1,075 | +12% |
| Jersey City | $1,970 | $1,140 | +19% |
| Paterson | $1,720 | $1,000 | +4% |
| Elizabeth | $1,740 | $1,010 | +5% |
| Trenton | $1,750 | $1,015 | +6% |
| Clifton | $1,730 | $1,005 | +5% |
| Bayonne | $1,870 | $1,080 | +13% |
| East Orange | $1,935 | $1,120 | +17% |
Smart fortwo insurance in New Jersey by driver
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,625 | $3,500 | $4,530 | $378 |
| Young adult (22) | $1,525 | $2,035 | $2,635 | $220 |
| Adult in their 30s | $955 | $1,275 | $1,650 | $138 |
| Adult in their 50s | $880 | $1,170 | $1,515 | $126 |
| Senior (72) | $1,070 | $1,425 | $1,845 | $154 |
| 30s, one at-fault accident | $1,385 | $1,845 | $2,390 | $199 |
| 30s, DUI on record | $1,765 | $2,355 | $3,050 | $254 |
Coverage levels
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $955 | $80 | $785–$1,125 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,275 | $106 | $1,045–$1,500 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,650 | $137 | $1,350–$1,945 |
New Jersey minimum: 35/70/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.
Rivals in New Jersey
| Model | Full coverage in NJ | vs. fortwo |
|---|---|---|
| MINI Cooper | $1,465 | −11% |
| Volkswagen Beetle | $1,820 | +10% |
| Honda Fit | $1,820 | +10% |
| Ford Fiesta | $1,860 | +13% |
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Smart fortwo insurance cost in every state · All Smart models
Frequently asked questions
How much is Smart fortwo insurance in New Jersey?
About $1,650 a year ($137 a month) for full coverage and $955 for New Jersey's minimum liability, for a driver in their 30s with a clean record. That is 26% more than the national estimate for the same car.
Is the Smart fortwo cheaper to insure than the average car in New Jersey?
The average vehicle in New Jersey is about $1,910 a year for full coverage in our model, so the Smart fortwo is 14% cheaper than average.
Where in New Jersey is Smart fortwo insurance cheapest?
Among the largest New Jersey cities, Paterson has the lowest estimate (about $1,720) and Jersey City the highest (about $1,970).
What insurance do I need for a Smart fortwo in New Jersey?
New Jersey requires at least 35/70/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.
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.
- NJDOBI: Auto Insurance New Jersey Buyer's Guide
- NJDOBI: Auto insurance shopper's workbook
- NJDOBI Bulletin 25-06 (minimum limits for standard policies)
- P.L. 2022, c.87 (increase of minimum liability limits)
- NJDOBI: Standard Auto Insurance Policy
- NJDOBI: How to Request Assistance
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- FEMA National Risk Index
- U.S. Census Bureau, American Community Survey