The Smart Roadster aims to be as fun to drive as a sports car, without the associated costs. Its lightweight, responsive handling and driving position make sure of that. In this guide, you’ll find out how much you could pay for insurance based on your age and location.
What insurance group does the Smart Roadster fall under?
All vehicles are given a specific insurance group that ranges from 1 (cheapest) to 50 (most expensive) which helps determine the cost of your premium. Smart Roadster models range from insurance groups 22 to 28, meaning you’re likely to pay near the average amount to insure this car. As an example, a 30-year-old driver in an average postcode could pay around £777 for cover on a Smart Roadster 80bhp 2d Auto RHD that is in insurance group 22 or around £743 for a Smart Roadster Brabus 2d Auto that is in insurance group 28. This clearly shows the impact of premium pricing that occurs when one car is in a much higher insurance group.
These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused).
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Out of all the factors that have an effect on the cost of your car insurance premium, one of the biggest is your location.
To show the power of your postcode, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Smart Roadster Bluewave 2d Auto.
Expensive: £1,125 (London SE1)
Average: £777 (Newcastle NE1)
Cheap: £769 (Galashiels TD1)
These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused).
Which factors affect my Smart Roadster insurance rate?
Along with insurance group, there are many other key factors that have a big impact on your insurance premium costs:
Engine type and capacity. Cars with larger engines typically cost more to insure, because these engines cost more to repair or replace. To illustrate this fact, it may cost £1,499 for insurance for a Smart Roadster SFinale Edition 2d Auto, while you may pay £1,402 for a Smart Roadster Brabus 2d Auto. So, that’s an extra £61 per year for the vehicle with the larger engine.
Driver location. Insurers will use your home address to determine the likelihood of your car being stolen or involved in an accident, based on previous data. This will affect the cost of insurance. For example, a 30-year-old in central London may pay £1,125 for insurance for a Smart Roadster Speedsilver 2d Auto, while the same 30-year-old in Newcastle may only pay £777. That’s an additional £144 per year that the average 30-year-old would pay to insure this vehicle in London.
Driver age. The youngest drivers will usually pay far more, because they are statistically the most likely to make a claim. As an example, the average 20-year-old driver in London may pay £6,872 for the Smart Roadster Speedsilver 2d Auto, while the average 40-year-old Londoner will only pay £1,031. That’s almost double that the younger driver would pay in this scenario.
Other factors that influence the cost of your insurance include:
Car insurance can be expensive, especially for new drivers. However, there’s no need to let it break the bank. Here are some ideas to help you lower the cost of your premium.
Limit your annual mileage (where possible). By walking or using public transport occasionally, rather than using your car, this can help to save on your premium.
Pay annually rather than monthly. You may be charged interest on monthly payments, so pay in one annual lump sum if you can.
Install extra safety precautions. Any installation that makes your car safer will inspire insurers to lower your premium when you do so.
Shop around for the best deal every year. Instead of blindly settling for the best deal, use a price comparison website to find the best deal from a competitor every year.
Facts about the Smart Roadster
The Smart Roadster was first made available to buy in 2003.
The other edition of the Smart Roadster is called the Roadster Coupe, which is backed by rear glass.
It’s a unique vehicle, which people will other love or hate. By following these tips to reduce your insurance premiums, you’ll surely enjoy this car a lot more.
Frequently asked questions
You can expect a Smart Roadster to reach a top speed of 109 miles per hour, depending on the model version.
The UK standard car tax rate sits at £150 per year. However, you might pay more or less depending on your car’s emissions.
You can buy a Smart Roadster at dealerships, using online sellers or from a current owner.
This vehicle has won a few awards, including the Best Roadster award from Auto Express two years running.
You can compare the cost of Smart Roadster car insurance using any price comparison website.
The Smart Roadster can be found in insurance groups ranging from 22 to 28. This means you’ll pay around the average price to insure this vehicle, compared to others.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio
Danny's expertise
Danny has written 336 Finder guides across topics including:
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