Smart car insurance group

Compare car insurance costs for your Smart Car based on your age and location.

Smart Car models range from insurance groups 7 to 10, so the cost of insurance can vary significantly depending on which model you have.

Smart Car insurance groups and cost

In the table below, we show you the insurance group for each Smart Car model and also the likely cost at a few different ages.

Model / Version Group (1-50) Age 20yrs Age 30yrs Age 40yrs Age 50yrs Link
EQ ForTwo Coupe Prime Exclusive 2d Auto 8 £1,344 £562 £551 £528 Get Quote
EQ ForTwo Cabrio Prime Exclusive 2d Auto 9 £1,326 £537 £530 £494 Get Quote
EQ ForTwo Coupe Pulse Premium 2d Auto 7 £1,801 £689 £643 £607 Get Quote
EQ ForFour Prime Exclusive 5d Auto 10 £1,697 £640 £624 £576 Get Quote
EQ ForFour Pulse Premium 5d Auto 9 £1,326 £537 £530 £494 Get Quote
EQ ForTwo Coupe Passion Advanced 2d Auto 8 £1,344 £562 £551 £528 Get Quote
EQ ForFour Passion Advanced 5d Auto 10 £1,697 £640 £624 £576 Get Quote
EQ ForTwo Cabrio Pulse Premium 2d Auto 9 £1,326 £537 £530 £494 Get Quote
EQ ForTwo Coupe Prime Premium 2d Auto 8 £1,344 £562 £551 £528 Get Quote
EQ ForFour Prime Premium 5d Auto 10 £1,697 £640 £624 £576 Get Quote

Average Smart Car insurance cost

To provide you with an idea of how much it may cost you to insure your Smart Car, we ran several quotes to find an average figure. Based on our results, on average, you could insure your Smart Car with a comprehensive policy for the monthly price of £60.96, or an annual sum of £672.

Smart Car insurance cost by location

The table above shows the average cost of Smart Car insurance based on insurance groups and driver age. However, there are a number of other factors that affect the cost of your car insurance premiums, and one of the biggest is where you are in the UK. Where you live helps determine the level of risk that your car may be stolen or that you'll be involved in an accident, and this affects the cost of insurance.

To show the power of the postcode, here are some average quotes for a 30-year-old living in three different locations. The quotes are for an Smart Car EQ ForTwo Coupe Prime Exclusive 2d Auto.

  • Expensive: £900 (London SE1)
  • Average: £562 (Newcastle NE1)
  • Cheap: £509.49 (Galashiels TD1)

Average Smart Car insurance cost for a 17 year old

To provide you with an idea of how much it may cost you to insure your Smart Car, we ran several quotes to find an average figure. Based on our results, on average, you could insure your Smart Car with a comprehensive policy for the monthly price of £322, or an annual sum of £3,572.

What other factors affect my Smart Car insurance rate?

We've covered insurance groups, age and location. Here are some of the other factors that affect your insurance premium costs:

How can I save on my Smart Car premiums?

When searching for insurance, you'll want to find the best deal for a price that's within your budget. We've uncovered some tricks you can try to lower the cost of your premium, and we've listed them below.

  • Limit your car usage (where possible). Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premiums.
  • Pay annually rather than monthly. Whilst it might be scary to part with a large sum of money in one go, if you're able to pay annually you can save an average of £59.52 a year.
  • Install extra safety precautions. The safer your car is, the less of a risk it will be for companies to insure. By adding extra safety measures, you're quite likely to lower your premium.
  • Don't just accept your renewal quote. When it's time for renewal, it's worth investing a couple of hours to shop around: there may be cheaper options out there.

Bottom line

There's no getting around it: a Smart Car is going to cost you more to buy, run and insure than many other cars of a similar size and spec. If that's the range you have your heart set on, be sure to compare car insurance (and car finance, if applicable) before you buy, so you don't pay any more than you have to.

Frequently asked questions

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Written by

Senior associate publisher

Connor is a senior associate publisher at Finder, specialising in insurance and investing. He's been sourcing and analysing data in both subjects for around 4 years, supporting Finder's publishing team. Connor holds a BSc in Accounting and Finance from the University of Sussex and when he's not at work, you can find him at his local gym keeping fit. See full bio

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