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2005 Smart ForFour - car insurance quotes

How much does it cost to insure a  Smart ForFour 1.3 Passion 1.332 cc in 2023?


Lowest ForFour Rates $426.24
Average ForFour Rates $692.64
Highest ForFour Rates $959.04
Please note that these 2005 Smart quotations are based on current studies and are indicative only!
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How much does 2005 Smart ForFour 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 ForFour (1.3 Passion) 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 ForFour is above $50 a month ($599 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 95 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 ForFour 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 2005 Smart ForFour is $50 a month, which is around $599 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How does age of your car affect car insurance costs?

2005 Smart ForFour is a 19 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 ForFour (2005) 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 ForFour cars include: anti-lock braking systems (ABS), automatic seatbelts, air bags and traction control.
Smart ForFour, 1.3 Passion has engine power of 1332 cc, which means it is a medium-powered car. The downside is that high-powered vehicles are often considered more dangerous and therefore may increase premium rates. If you want to lower your car insurance rates, be sure to buy a car that isn't a high performer.
Insurance Company New Vehicles * Used Vehicles *
Allied $442 $426
GEICO $325 $298
Nationwide $474 $373
Progressive $197 $160
State Farm $266 $197
Texas Farm Bureau $442 $357
USAA $352 $298
* Rough estimate for a new vs 19 years old used Smart ForFour, 1.3 Passion. 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 2005 Smart ForFour car insurance quotes and find out who has the cheapest rates in 2023!

Finding the most affordable car insurance for your Smart, ForFour 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 2005) 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 ForFour 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 2005 Smart ForFour in 2023? As you can see below, the lowest rates are around $532.8, while the highest ones fluctuate around $1118.88 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 $567
American Family  $554
Erie $554
Progressive $652
State Farm $718
Auto Owners  $638
State Auto  $757
Nationwide $736
Farmers $642
Allstate $911
Safe Auto  $964
MetLife $1,028
Victoria $1,091
Allied $770
Liberty Mutual $918
Encompass $1,143
* Just a rough estimate for 2005 Smart ForFour, 1.3 Passion

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model ForFour, 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, ForFour 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 2005 ForFour 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 2005 Smart ForFour auto insurance rates by state!

How much is 2005 Smart ForFour car insurance by location - rough estimate for model:  1.3 Passion, 1332 cc, Hatchback
How to calculate premium for Smart ForFour (2005) 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 2005 ForFour (1.3 Passion) 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 $400 $559
2 Ohio $405 $570
3 Idaho $416 $586
4 Virginia $432 $613
5 Iowa $448 $634
6 New Hampshire $469 $645
7 Wisconsin $474 $661
8 North Dakota $485 $698
9 Indiana $496 $735
10 North Carolina $506 $762
11 Pennsylvania $511 $805
12 Utah $522 $815
13 Maine $527 $831
14 Massachusetts $538 $847
15 Alaska $543 $858
16 Tennessee $549 $879
17 South Dakota $554 $927
18 Nebraska $559 $954
19 Minnesota $565 $970
20 Illinois $565 $986
21 Hawaii $570 $1,007
22 Alabama $575 $1,023
23 Oregon $581 $1,039
24 Missouri $586 $1,076
25 Washington $613 $1,114
26 South Carolina $618 $1,140
27 Kansas $634 $1,162
28 New Mexico $645 $1,188
29 Arizona $661 $1,199
30 New York $671 $1,204
31 National average $693 $1,220
32 New Jersey $703 $1,257
33 West Virginia $725 $1,268
34 Mississippi $741 $1,284
35 Maryland $757 $1,300
36 Montana $778 $1,327
37 Nevada $794 $1,337
38 Arkansas $805 $1,359
39 Kentucky $810 $1,380
40 Oklahoma $836 $1,396
41 Wyoming $852 $1,407
42 Colorado $874 $1,433
43 Texas $890 $1,444
44 Delaware $911 $1,465
45 Georgia $932 $1,471
46 California $954 $1,487
47 DC $970 $1,497
48 Connecticut $991 $1,513
49 Rhode Island $1,002 $1,518
50 Florida $1,018 $1,550
51 Louisiana $1,039 $1,572
52 Michigan $1,060 $1,598
* Compare 2005 Smart ForFour 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 2005 Smart ForFour (Manual transmission, 4000 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 ForFour annual insurance cost for a 16 year old is approximately $1225.44, while the cost of the same coverage for seniors aged 70 - 74 is $564.768. 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, ForFour have 1332 cc, 95 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 $1,172
20 - 24 $1,140
25 - 29 $959
30 - 34 $826
35 – 39 $666
40 – 44 $693
45 – 49 $634
50 – 54 $554
55 – 59 $682
60 – 64 $570
65 – 69 $597
70 – 74 $538
75 and more $554
* Rough estimate for teens, adults and seniors who are driving Smart ForFour (2005)
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 $453 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, ForFour good for senior drivers? If you have questions or issues relevant to Smart ForFour or another vehicle, please ask in the discussion.
You know you need to insure your 2005 Front Smart, ForFour, but do you really know, how much should you pay for your coverage every month or year? Ask for quotes from multiple companies

Smart ForFour: Exterior Specs, Features & Options

The engine of Smart, ForFour (4 cyl) is mated to a Manual transmission, that in this case, sends power to the Front. ForFour Hatchback, 1332 CC (liter), 95 ps (98.6% of a brake horsepower) is matched to an 1.3 Passion for 2005. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Smart, ForFour has horsepower of 95 ps & 1332 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 1.3 Passion has an engine torque of 125 nm & 4000 rpm. The power and maximum speed of the Smart ForFour vehicle (11.1/100 Kph & 180 Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (970 kg is the weight of this model), its engine torque and the engine rotation speed.
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ForFour, Smart: specifications

Model body: Hatchback
Model doors: 5
Model drive: Front
Model engine bore: 75.5
Model engine (cc): 1332
Model engine compression: 10.5:1
Model engine (cyl): 4
Model engine fuel: Gasoline - Premium
Model engine position: Front
Model engine power (ps/hp): 95
Model engine max power (rpm): 6000
Model engine stroke (mm): 75.4
Model engine torque (nm): 125
Model engine max torque (rpm): 4000
Model engine type: in-line
Model engine (valves per cyl): 4
Model fuel cap: 47
Model height: 1460
Model length: 3760
Model Lkm (city): Fuel efficiency in city
Model Lkm (hwy): Fuel efficiency out of city
Model Lkm (mixed): 5.8
Model make: Smart
Model name: ForFour
Model seats: 5
Model to 100 (Kph): 11.1
Model top speed (kph): 180
Model Transmission type: Manual
Model trim: 1.3 Passion
Model weight: 970
Model wheelbase: 2510
Model width: 1690
Model year: 2005
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How does the interior of the new ForFour look like? Read our review of the 2005 Smart ForFour 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 ForFour 1.3 Passion.

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"Smart, ForFour", 1.3 Passion

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