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2004 Smart ForTwo - car insurance quotes

How much does it cost to insure a  Smart ForTwo Cabriolet Pure 697 cc in 2023?


Lowest ForTwo Rates $223.04
Average ForTwo Rates $362.44
Highest ForTwo Rates $501.84
Please note that these 2004 Smart quotations are based on current studies and are indicative only!
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How much does 2004 Smart ForTwo car insurance cost, what is the true cost to own this vehicle in your state and how can you save money on your policy in 2023? Smart ForTwo (Cabriolet Pure) car insurance rates may vary for the same coverage depending on your location, driving history or by your age, but the types of coverage are basically the same and differs only in details. The average insurance price of a used Smart ForTwo is above $26 a month ($314 yearly), depending on many variables like your credit score, place you live, driver record and the type and model of Smart you drive (https://www.smartusa.com/)! Your actual auto insurance costs could be higher or lower, if your car will be equipped with a number of modern safety and driver assistance features. A typical full coverage insurance policy for your Smart model with 61 engine should cover liability for injuries or damages, comprehensive coverage that covers damage to your car caused by events that are out of your control and collision (optional - helps pay to repair or replace your Smart ForTwo if it's damaged in a traffic accident with another car or object), and finally uninsured motorist and medical coverage.
On average, car insurance cost for a 2004 Smart ForTwo is $26 a month, which is around $314 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How does age of your car affect car insurance costs?

2004 Smart ForTwo is a 21 years old vehicle. Older vehicles are typically cheaper to insure because they’re less valuable than newer models. On the other hand, newer models of ForTwo (2004) are eligible for many discounts for vehicles loaded with a long list of safety features, technology, anti-theft and driver assistance equipement. The most important safety features, that can earn you an auto insurance discount and are a standard on all modern ForTwo cars include: anti-lock braking systems (ABS), automatic seatbelts, air bags and traction control.
Smart ForTwo, Cabriolet Pure has engine power lower than 1000 cc (697 cc), which means it's a low-performance vehicle. This is good news in relation to insurance rates. Why? Because insurance companies calculate their rates on a car's horsepower and performance.
Insurance Company New Vehicles * Used Vehicles *
Allied $231 $223
GEICO $170 $156
Nationwide $248 $195
Progressive $103 $84
State Farm $139 $103
Texas Farm Bureau $231 $187
USAA $184 $156
* Rough estimate for a new vs 21 years old used Smart ForTwo, Cabriolet Pure. Your insurance premium will always depend on your driving history, the level of coverage and on the exact models of vehicles you're comparing!

Compare 2004 Smart ForTwo car insurance quotes and find out who has the cheapest rates in 2023!

Finding the most affordable car insurance for your Smart, ForTwo is not as hard as it used to be in the past. Here are some facts, that can help you lower auto insurance costs for your model of Smart (made in 2004) at the best possible rate while maintaining adequate coverage. Choosing top-rated insurer near you, who provides perfect customer services and competitive prices, should be the first step when shopping for better policy. Below are some tips and tricks to help you get affordable Smart ForTwo auto insurance quotes in 2023 and save money on your vehicle. The truth is that every driver will pay for the same coverage at the same company a completely different price!
How much is car insurance for a 2004 Smart ForTwo in 2023? As you can see below, the lowest rates are around $278.8, while the highest ones fluctuate around $585.48 yearly. This price is influenced by many factors, and no single insurer can claim to be the low-price leader.
Insurance Company Annual Rates (Estimate*)
GEICO $297
American Family  $290
Erie $290
Progressive $341
State Farm $376
Auto Owners  $334
State Auto  $396
Nationwide $385
Farmers $336
Allstate $476
Safe Auto  $504
MetLife $538
Victoria $571
Allied $403
Liberty Mutual $480
Encompass $598
* Just a rough estimate for 2004 Smart ForTwo, Cabriolet Pure

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model ForTwo, make Smart) can have a huge impact on your car insurance costs. Some vehicles, such as: Honda Accord 2023, Toyota Corolla, Ford pickup, Nissan Altima, Toyota Camry 2021, Honda Civic, Ram pickup, Nissan Maxima, Dodge Caravan, Chevrolet pickup, Acura Integra, Cadillac Escalade and many others, are big targets for thieves (at least in 2016 - 2018). A higher deductible for your Smart, ForTwo will also reduce your premiums because you pay more out of pocket if you have a claim. If you haven't had a traffic violation within 3 and more years and have a very good driving record a higher deductible might be a good bet. So, how can you reduce your insurance policy payments?
  • Don't ignore small regional insurers.
  • Review your existing coverage and choose a higher deductible.
  • Shopping around is the key to saving money on car insurance.
  • Negotiate with an agent or directly with auto insurance company.
  • Check for 2004 ForTwo car insurance discounts: good/safe driver, good student, multi-policy, homeowner (bundling).
  • If you don't qualify for these discounts, explore other options available or switch the insurance company.
  • Remember, that having a bad driving record, poor credit score or being a young driver (teen) is considered a risk by all insurance companies.

The most and least expensive 2004 Smart ForTwo auto insurance rates by state!

How much is 2004 Smart ForTwo car insurance by location - rough estimate for model:  Cabriolet Pure, 697 cc, Convertible
How to calculate premium for Smart ForTwo (2004) car insurance online? By using our insurance calculator, you can determine and calculate the cost of your insurance policy, check the average rates of car insurance for your age and location and find out if you are paying more or less than other people in your area. By reading the table below, you can compare the most and least expensive states for 2004 ForTwo (Cabriolet Pure) car insurance. Calculate your price online and get a free car insurance quote without using sensitive personal information such as your age, credit score, phone number, email or social security number (SSN).
Rank State Lowest Rates Highest Rates
1 Vermont $209 $293
2 Ohio $212 $298
3 Idaho $217 $307
4 Virginia $226 $321
5 Iowa $234 $332
6 New Hampshire $245 $337
7 Wisconsin $248 $346
8 North Dakota $254 $365
9 Indiana $259 $385
10 North Carolina $265 $399
11 Pennsylvania $268 $421
12 Utah $273 $427
13 Maine $276 $435
14 Massachusetts $282 $443
15 Alaska $284 $449
16 Tennessee $287 $460
17 South Dakota $290 $485
18 Nebraska $293 $499
19 Minnesota $296 $507
20 Illinois $296 $516
21 Hawaii $298 $527
22 Alabama $301 $535
23 Oregon $304 $544
24 Missouri $307 $563
25 Washington $321 $583
26 South Carolina $323 $597
27 Kansas $332 $608
28 New Mexico $337 $622
29 Arizona $346 $627
30 New York $351 $630
31 National average $362 $638
32 New Jersey $368 $658
33 West Virginia $379 $664
34 Mississippi $388 $672
35 Maryland $396 $680
36 Montana $407 $694
37 Nevada $415 $700
38 Arkansas $421 $711
39 Kentucky $424 $722
40 Oklahoma $438 $730
41 Wyoming $446 $736
42 Colorado $457 $750
43 Texas $466 $756
44 Delaware $477 $767
45 Georgia $488 $769
46 California $499 $778
47 DC $507 $783
48 Connecticut $519 $792
49 Rhode Island $524 $795
50 Florida $533 $811
51 Louisiana $544 $822
52 Michigan $555 $836
* Compare 2004 Smart ForTwo car insurance rates by location and find out who has the best insurance quotes in your area in 2022 - 2023! Only rough calculation for adults with good credit score, driving history and accident-free driving. Choosing an auto insurance company is difficult, your actual rates may vary since the cost of your policy is influenced by many factors.

Car Insurance for Teens, Young Drivers, Students, Seniors

Teen driver - how much is car insurance for young drivers?
Is it a good idea for a young driver to drive a car like 2004 Smart ForTwo (Manual transmission, 2000 rpm)? For insurers, teens are some of the high-risk drivers so you can expect car insurance rates to go up when you add a teen driver to the insurance policy. As you can see below, the average Smart ForTwo annual insurance cost for a 16 year old is approximately $641.24, while the cost of the same coverage for seniors aged 70 - 74 is $295.528. How to lower car insurance rates for high risk drivers (teens, college students, new drivers, convicted drivers) is a very common question. There are a few tips. You can ask your insurance company for a low-mileage discount and usage-based discounts. Also choose a car wisely (Smart, ForTwo have 697 cc, 61 ps) and add your teen to your policy. Consider to increase your deductibles and adjust your existing coverage. Being younger than 18, 21, 25 years old means, you are statistically present a higher risk to insurance companies. How to save money on student car insurance?
Your AgeAverage Rate (Estimate*)
16 - 19 $613
20 - 24 $597
25 - 29 $502
30 - 34 $432
35 – 39 $349
40 – 44 $362
45 – 49 $332
50 – 54 $290
55 – 59 $357
60 – 64 $298
65 – 69 $312
70 – 74 $282
75 and more $290
* Rough estimate for teens, adults and seniors who are driving Smart ForTwo (2004)
Some insurance companies and brokers rewards students financially for doing well in school, while others prefer students who complete an approved driver's education course. As you can see in the above table, people between the ages of 60 and 75 are statistically risk-free drivers and can pay less than $237 annualy. What kind of car insurance discounts for seniors are available? Most car insurance companies offer reduced auto insurance rates to drivers who are over 50 years of age. It means, people over 50 - 60 are eligible for senior discounts. Is Smart, ForTwo good for senior drivers? If you have questions or issues relevant to Smart ForTwo or another vehicle, please ask in the discussion.
You know you need to insure your 2004 Rear Smart, ForTwo, but do you really know, how much should you pay for your coverage every month or year? Ask for quotes from multiple companies

Smart ForTwo: Exterior Specs, Features & Options

The engine of Smart, ForTwo (3 cyl) is mated to a Manual transmission, that in this case, sends power to the Rear. ForTwo Convertible, 697 CC (liter), 61 ps (98.6% of a brake horsepower) is matched to an Cabriolet Pure for 2004. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Smart, ForTwo has horsepower of 61 ps & 697 cc's = cubic capacity measured in cubic centimeters) are involved in fewer auto insurance claims than those with less horsepower and torque. On the other hand, when a higher horsepower car is involved in a car accident, they usually cause more serious damage to others, which can affect car insurance rates. Model Cabriolet Pure has an engine torque of 95 nm & 2000 rpm. The power and maximum speed of the Smart ForTwo vehicle (15.5/100 Kph & 135 Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (815 kg is the weight of this model), its engine torque and the engine rotation speed.
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ForTwo, Smart: specifications

Model body: Convertible
Model doors: 2
Model drive: Rear
Model engine bore: 66.5
Model engine (cc): 697
Model engine compression: 9.0:1
Model engine (cyl): 3
Model engine fuel: Gasoline - Premium
Model engine position: Rear
Model engine power (ps/hp): 61
Model engine max power (rpm): 5250
Model engine stroke (mm): 67
Model engine torque (nm): 95
Model engine max torque (rpm): 2000
Model engine type: in-line
Model engine (valves per cyl): 2
Model fuel cap: 33
Model height: 1560
Model length: 2510
Model Lkm (city): Fuel efficiency in city
Model Lkm (hwy): Fuel efficiency out of city
Model Lkm (mixed): 4.7
Model make: Smart
Model name: ForTwo
Model seats: 2
Model to 100 (Kph): 15.5
Model top speed (kph): 135
Model Transmission type: Manual
Model trim: Cabriolet Pure
Model weight: 815
Model wheelbase: 1820
Model width: 1540
Model year: 2004
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How does the interior of the new ForTwo look like? Read our review of the 2004 Smart ForTwo interior and browse photo gallery featuring the interior of this vehicle. Do not forget why you are here - finding lower insurance premiums for the new/used ForTwo Cabriolet Pure.

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"Smart, ForTwo", Cabriolet Pure

ForTwo Smart

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