Over the past year, Jerry has helped 214 Smart drivers find affordable, effective coverage. By analyzing real Smart car insurance policies, we know what owners are actually paying and what you can expect for every level of protection.
Competitive annual prices for Smart drivers are currently around:
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$908 for basic coverage.
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$1,777 for standard coverage.
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$2,219 for premium coverage.
Of course, your own rate depends on your driving record, location, age and model, among other factors.
On average, Smart drivers pay between $1,688 and $5,560 annually for full coverage, with an average premium around $4,930. That’s higher than the national average of $4,143, despite the brand’s smaller size, lower repair costs and a strong safety record for city driving.
Already insured? Jerry pulls live quotes from top insurers so you can compare prices instantly. If we find you a better deal, you can switch right away, even before renewal. Jerry takes care of cancellation and helps you collect any refund you’re owed.
Fast track your Smart Car insurance with Jerry.
How much does Smart car insurance cost?
Smart car insurance rates vary depending on where you live, how much you drive and your coverage needs. Jerry makes it easy to see what real drivers with your model and profile are paying.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Even in the same city, two Smart drivers can have very different premiums. Jerry compares top insurers in real time to help you find coverage that fits your car, your habits and your budget.
What’s the best insurance for a Smart car?
Smart cars are designed for simplicity and safety, so your insurance should be, too. Protecting your Smart means choosing coverage that fits your lifestyle: compact, efficient and cost-effective.
If your Smart car is financed or leased, your lender will require full coverage. You may also need gap insurance, which helps pay off your loan if your vehicle is totaled.
Jerry recommends Smart drivers carry at least 100/300/100 liability with collision and comprehensive coverage. While higher than most state minimums, it’s smart protection for city driving and small, high-efficiency vehicles.
No matter your lender, budget, or insurer, there are plenty of coverage options that can help protect your Smart car. Here are some of the most common, what’s covered and why Smart drivers choose them.
Higher liability limits
Smart cars are safe and nimble, but at-fault accidents in dense traffic can still be costly. About 42% of Jerry Smart drivers choose higher-than-minimum coverage.
Full coverage
Comprehensive and collision protect your Smart from theft, weather and at-fault damage. Around 24% of Smart drivers carry full coverage for extra peace of mind.
OEM parts coverage
Keeps your Smart car performing efficiently with manufacturer-quality parts and skilled technicians. Usually available for vehicles between three and ten years old.
New car replacement
Replaces your Smart with a new model if it’s totaled early in ownership, which is especially valuable for newer or electric models.
Roadside assistance
Covers towing, jump-starts and lockouts. Smart cars come with a limited roadside program, but many drivers extend it for added convenience.
Rental reimbursement
Covers the cost of a rental car while your Smart is being repaired. Most insurers offer 30 to 45 days of coverage depending on your plan and state.
Gap insurance
Covers what’s left on your lease or loan if your Smart is totaled. About 39% of all drivers add gap coverage when financing a car.
Accident forgiveness
Keeps your rate from rising after your first at-fault accident. Without it, Smart drivers see their premiums double on average.
See coverage options for your Smart Car.
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Coverage definitions
3 smart ways Smart car drivers can lower insurance costs
Finding the right insurance means balancing coverage, cost and convenience. For Smart owners, that balance depends on how much you drive and where you park.
Jerry’s experts help Smart drivers lower premiums without cutting corners on protection. Here are our top tips.
| How to save | Typical savings |
|---|---|
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Use Telematics | 49% among all drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Tip 1: Stack discounts for more savings
Smart owners often qualify for multiple discounts like low-mileage, multi-policy or safe-driver programs. But insurers don’t always apply them automatically.
Jerry checks for every available savings opportunity so you don’t leave money on the table.
Tip 2: Match your coverage to your Smart car
Smart cars are small but strong, and that usually requires buying more than the minimum coverage required. Most owners carry full coverage and higher liability limits when their car is newer, then adjust coverage as it ages or mileage decreases.
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Minimum coverage offers the legal minimum limits, which vary by state.
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Full coverage includes minimum liability plus collision and comprehensive coverage.
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Standard coverage increases liability limits and adds things like UM/UIM, medical, towing and more.
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Preferred coverage raises liability even further, lowers deductibles and expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: A quick comparison can shave premiums by half. Jerry shows you real prices in real time, so you can see who’s actually offering the best deal before you buy.
Tip 3: Try telematics for personalized savings
Telematics programs use a mobile app or plug-in device to track driving behavior like braking, speed and mileage. This data is then used to personalize your insurance rate. For Smart drivers, these programs can cut premiums by up to 6%, especially for smooth, consistent city driving.
Methodology
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry Proof: Real Smart drivers, real savings
See how much Smart car owners are saving with Jerry. Here are real drivers, their vehicles and the deals they found after comparing quotes.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Smart cars make driving simple, and your insurance should, too. Whether you drive a gas or electric model, Jerry helps you find affordable coverage that fits your needs and your lifestyle.
We compare top insurers, uncover every discount and handle renewals so your coverage stays as efficient and reliable as your car.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
