Cheap Car Insurance for Smart Cars in 2026 (10 Most Affordable Companies)
Progressive, Amica, and Erie have cheap car insurance for Smart cars. Progressive Smart car insurance rates start as low as $40/month, but Amica and Erie have better customer service along with competitive insurance rates for Smart cars. Progressive and Erie have the cheapest full coverage Smart car insurance.
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Managing Editor
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. She curated news articles and insider interviews with investors and small business owners, leading to conversations with key players in the le...
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Sara Routhier, Senior Director of Content, has professional experience as an educator, SEO specialist, and content marketer. She has over 10 years of experience in the insurance industry. As a researcher, data nerd, writer, and editor, she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world of insurance....
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Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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Updated January 2025
768 reviewsCompany Facts
Min. Coverage for Smart Cars
A.M. Best Rating
Complaint Level
Pros & Cons
768 reviews
1,883 reviewsCompany Facts
Min. Coverage for Smart Cars
A.M. Best
Complaint Level
Pros & Cons
1,883 reviewsProgressive, Amica, and Erie are the top picks for cheap car insurance for Smart cars, offering rates as low as $40/month.
These companies lead the market with affordable pricing, usage-based discounts, and excellent claim satisfaction. Progressive stands out overall for its competitive rates and reliable full coverage auto insurance.
Our Top 10 Company Picks: Cheap Car Insurance for Smart Cars
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $40 A+ UBI Discount Progressive
#2 $45 A+ Claim Satisfaction Amica
#3 $48 A+ Safe Drivers Erie
#4 $49 A+ Accident Forgiveness Allstate
#5 $50 A++ Mobile Tools Geico
#6 $51 B Strong Network State Farm
#7 $52 A Membership Perks AAA
#8 $53 A Custom Coverage Liberty Mutual
#9 $55 A Insurance Discounts Farmers
#10 $57 A Personalized Service American Family
Read our Smart car insurance review to compare these providers to find the best insurance for your Smart car or start shopping for car insurance with our free quote comparison tool. Enter your ZIP code above to begin.
- Find cheap car insurance for Smart cars with rates starting as low as $40/month
- Progressive is the top pick for affordability and reliable coverage options
- Get usage-based discounts to save on Smart car insurance rates
#1 – Progressive: Top Overall Pick
Pros
- Competitive Pricing: Known for providing affordable Smart car insurance rates for Smart cars starting at $40/month. Read more in our review of Progressive.
- Usage-Based Discounts: Progressive Snapshot offers up to 30% off Smart car insurance premiums with usage-based discounts for safe and low-mileage drivers.
- Customizable Coverage: Progressive allows for tailored coverage options that can be adjusted to fit the unique needs of Smart cars.
Cons
- Higher Premiums at Renewal: Drivers report Smart car insurance rate increases are higher than other companies, which could be an issue when it comes time to renew your policy.
- Potential Complexity: Progressive’s usage-based insurance programs may be complex and require more monitoring compared to standard insurance policies for Smart cars.
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#2 – Amica: Best Claim Satisfaction
Pros
- High Claim Satisfaction: Amica is renowned for its high claim satisfaction, which is beneficial for Smart car owners needing reliable support. Learn more in our Amica review.
- Competitive Rates: Smart car insurance costs start at $45/month for minimum coverage with Amica.
- Flexible Coverage Options: Amica offers flexible coverage options that can be tailored to Smart cars, enhancing policy customization.
Cons
- Potentially Higher Rates: Smart car insurance rates for full coverage are higher with Amica than at other companies.
- Limited Discounts: Amica may offer fewer discounts specifically tailored to Smart cars compared to competitors.
#3 – Erie: Cheapest for Good Drivers
Pros
- Competitive Rates: Erie provides some of the most competitive rates for Smart cars starting at $48/month with safe driving discounts of up to 23%.
- Cheap Comprehensive Coverage: Does Erie Insurance offer collision coverage? Yes, Erie provides tailored full coverage for Smart car owners starting at $115/month.
- High Satisfaction: Erie is known for high customer satisfaction, ensuring good support for Smart car insurance claims.
Cons
- Availability: Erie Smart car insurance coverage is limited to 12 states.
- Standard Discounts: The discount options for Smart cars might be less extensive compared to those offered by other companies.
#4 – Allstate: Cheapest for Accident Forgiveness
Pros
- Accident Forgiveness: Allstate accident forgiveness can be particularly beneficial for Smart car owners who want to protect their premiums after a minor accident.
- Cheap Full Coverage: Allstate offers affordable comprehensive coverage for Smart cars starting at $119/month.
- Tailored Discounts: Allstate provides various discounts that can be applied to Smart cars, potentially reducing overall costs. Read our Allstate review for a full list.
Cons
- Higher Premiums: The addition of accident forgiveness might lead to higher premiums for Smart cars compared to some competitors.
- Complexity of Policy: The range of options and coverages available might make policies for Smart cars more complex to navigate.
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#5 – Geico: Best Mobile Tools
Pros
- Affordable Premiums: Geico is known for offering some of the most affordable premiums for Smart cars starting at $50/month for minimum coverage.
- User-Friendly Tools: Geico provides user-friendly online tools and a mobile app for Smart car insurance, making it easy to manage your policy.
- Discount Opportunities: Geico offers various discounts that can be applied to Smart cars, which is covered in our Geico review.
Cons
- Customer Service Limitations: Geico customer service might not be as specialized in Smart cars compared to other providers.
- Limited Customization: Coverage options for Smart cars might be less customizable compared to other insurers.
#6 – State Farm: Best for Strong Network
Pros
- Strong Network: State Farm’s extensive network of local agents provides widespread support and personalized service for Smart car owners.
- Competitive Rates: Smart car auto insurance costs start at $51/month with State Farm.
- Variety of Coverage Options: State Farm offers a range of coverage options suitable for Smart cars. For a complete list, read our State Farm review.
Cons
- Potentially Higher Costs: In some states, the extensive network might come with higher costs for Smart car insurance.
- Low Financial Rating: State Farm has a lower A.M. Best rating than other Smart car auto insurance companies.
#7 – AAA: Cheapest With Membership Perks
Pros
- Membership Perks: AAA members enjoy additional perks and benefits, including Smart car insurance discounts. Learn more about how to join in our review of AAA.
- Roadside Assistance: AAA’s roadside assistance is a valuable service for Smart car owners who might need help on the road.
- Competitive Rates: AAA car insurance for Smart cars is competitively priced at $52/month for minimum coverage and $122/month for full coverage.
Cons
- Limited Non-Member Benefits: You must be a member to buy Smart car auto insurance from AAA.
- Membership Fees: Joining AAA requires an annual fee, which could add to Smart car insurance costs.
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#8 – Liberty Mutual: Cheapest Custom Coverage
Pros
- Custom Coverage: Liberty Mutual offers custom coverage options specifically tailored for Smart cars. Read our Liberty Mutual review to learn what’s offered.
- Flexible Policy Options: Liberty Mutual provides flexible policy options that can be adjusted to fit the needs of Smart car owners.
- Discounts for Smart cars: Liberty Mutual offers various insurance discounts for Smart cars.
Cons
- Higher Premiums: Custom coverage options might come with higher premiums for Smart cars.
- Complex Policy Details: The variety of customization options may make it harder to understand the policy details for Smart cars.
#9 – Farmers: Cheapest With Discounts
Pros
- Discounts for Safe Driving: Farmers provides 30% discounts for safe driving and usage-based auto insurance that can benefit Smart car owners.
- Varied Policy Options: Farmers provides a range of policy options that can be tailored to Smart cars.
- Customizable Coverage: Offers customizable coverage plans for Smart cars to fit individual needs. Find out more in our Farmers review.
Cons
- Potentially Higher Rates: The wide range of policy options might lead to higher auto insurance rates for Smart cars.
- Complex Policies: The variety of options and add-ons might make it difficult to choose the best policy for Smart cars.
#10 – American Family: Cheapest Personalized Service
Pros
- Personalized Service: American Family offers personalized service that can be beneficial for Smart car owners seeking tailored coverage.
- Flexible Coverage Options: AmFam provides flexible coverage options that can be adjusted to suit the needs of Smart cars.
- Big Discounts Available: It offers bigger discounts than other Smart car insurance companies on things like bundling home and auto. Learn how in our AmFam homeowners insurance review.
Cons
- Higher Premiums: Flexible coverage might come with higher premiums for Smart cars if you don’t qualify for AmFam insurance discounts.
- Limited Availability: American Family Smart car insurance is not available in every state.
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Compare Providers for Cheap Smart car Auto Insurance Rates
Smart car insurance rates and discounts vary significantly by provider. Progressive offers the lowest monthly rates, starting at $40 for minimum coverage and $110 for full coverage. Companies like Amica and Erie also provide competitive options, with rates ranging from $45 to $115 per month.
Smart Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $52 | $122 |
| $49 | $119 |
| $57 | $135 |
| $45 | $120 |
| $48 | $115 |
| $55 | $130 |
| $50 | $128 |
| $53 | $127 |
| $40 | $110 |
| $51 | $125 |
Auto insurance costs for Smart cars go up when you add full coverage with comprehensive and collision policies.
Progressive and Erie remain the cheapest options, but Allstate is cheaper than Amica and State Farm. It’s one of the best full coverage car insurance companies if you need more than liability-only insurance.
To maximize savings, take advantage of the strategies below to find the best and cheapest auto insurance coverage for your Smart car.
Lowering Auto Insurance Costs on Your Smart car
To lower your Smart car insurance costs, start by taking advantage of discounts for safe driving, bundling policies, and low mileage. This table shows how to get low-cost car insurance with driver discounts.
Car Insurance Discounts From the Top Providers for Smart Cars| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Loyalty, Good Driver, Good Student, Anti-Theft, New Car, Multi-Vehicle |
| Multi-Policy, Safe Driving Bonus, New Car, Anti-Theft, Good Student, Early Signing |
| Multi-Policy, Steer Into Savings, Good Student, Loyalty, Safe Driver, Defensive Driver |
| Multi-Line, Claim-Free, Loyalty, Good Student, Anti-Theft, Defensive Driver, Autopay |
| Safe Driver, Multi-Policy, Young Driver, Multi-Car, Pay-In-Full, Vehicle Storage (for limited use vehicles) |
| Multi-Policy, Signal (usage-based), Safe Driver, Good Student, Bundling, Alternative Fuel |
| Multi-Policy, Safe Driver, Good Student, Anti-Theft, Defensive Driving, Military, Federal Employee |
| Multi-Policy, Good Student, Newly Married, Anti-Theft, Defensive Driver, RightTrack (usage-based) |
| Multi-Policy, Snapshot (usage-based), Continuous Insurance, Homeowner, Multi-Vehicle, Teen Driver |
| Multi-Policy, Safe Driver, Steer Clear (for young drivers), Vehicle Safety, Anti-Theft, Good Student |
Be sure to explore all available discounts, including multi-policy and usage-based options, from leading insurers such as AAA, Allstate, and Progressive.
Comparing quotes from various providers using online tools will also help you find the best deals on Smart car insurance. Many companies have free quote calculators on their websites to encourage drivers to buy auto insurance online.
Try requesting different quotes to see how increasing your deductible, adjusting your coverage, and reviewing policy add-ons can reduce your premiums. You can also enter your ZIP code below to get free quotes from multiple companies at once to see which is the cheapest in your area.
Most Affordable Auto Insurance Companies for Smart cars
Finding cheap car insurance for Smart cars is made easier with top providers like Progressive, Amica, and Erie, offering rates starting as low as $40 per month. Progressive is highlighted for its competitive rates and reliable coverage, Amica excels in claim satisfaction, and Erie provides competitive discounts for safe drivers.
Michelle Robbins Licensed Insurance Agent
How insurance companies calculate car insurance rates varies by driver, but you can save on Smart car auto insurance by comparing quotes, using discounts, increasing deductibles, improving your credit score, and adjusting coverage.
Take the first step toward cheaper car insurance rates. Enter your ZIP code to see how much you could save.
Frequently Asked Questions
What factors influence the cost of auto insurance for Smart cars?
The cost of car insurance for Smart cars is influenced by factors such as the driver’s age, driving history, location, coverage levels, and the specific model of the Smart car. Insurance providers also consider the car’s safety features, repair costs, and theft risk.
Which companies offer the cheapest auto insurance for Smart cars?
Progressive, Amica, and Erie are noted for offering some of the most affordable car insurance for Smart cars, with rates starting at around $40 per month. See how much you’ll pay for Smart car insurance by entering your ZIP code below into our free comparison tool.
What types of auto insurance coverage are available for Smart cars?
Common types of insurance coverage for Smart cars include liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. Some providers may also offer additional options like roadside assistance and rental car coverage.
How can I lower my insurance premium for a Smart car?
To lower your insurance premium, consider comparing quotes from different providers, buying car insurance online, taking advantage of discounts (such as for safe driving or bundling policies), increasing your deductible, improving your credit score, and adjusting your coverage levels based on your Smart car’s age and condition.
Are there specific discounts available for Smart car owners?
Yes, discounts for Smart car owners may include multi-policy discounts, safe driver discounts, usage-based discounts, and discounts for low mileage. Some providers also offer discounts for installing safety and anti-theft devices.
How does my driving history affect my Smart car insurance rates?
A clean driving history with no accidents or traffic violations generally results in lower insurance rates. Conversely, a history of accidents or violations can lead to higher premiums, as insurers view you as a higher risk. Find out who has access to your driving record.
Is it worth increasing my deductible to save on Smart car insurance costs?
Increasing your deductible can lower your monthly premium, but it means you’ll pay more out of pocket if you need to file a claim. It’s important to choose a deductible that you can comfortably afford in the event of an accident.
How does the age and model of my Smart car impact my insurance rates?
The age and model of your Smart car can impact insurance rates. Newer models with advanced safety features might qualify for lower rates, while older models may have higher premiums due to higher repair costs and fewer safety features.
How often should I review and update my Smart car insurance policy?
It’s a good idea to review and update your car insurance policy annually or whenever you experience major life changes, such as moving to a new location, purchasing a new car, or experiencing changes in your driving habits. Learn how quickly auto insurance policy changes go into effect.
Can I get insurance coverage for a Smart car if I use it for business purposes?
Yes, but you may need a commercial auto insurance policy if you use your Smart car for business purposes. Personal auto insurance doesn’t cover business-related use, so it’s important to disclose your usage to your insurer.
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