Find and compare cheap insurance quotes

SMART FORTWO 2009 Car Insurance

View offers received by our clients for their SMART FORTWO 2009 car insurance

Click here to save on your car insurance

The 2009 Smart Fortwo is an urban micro-car built for dense traffic and easy parking. Its ultra-compact footprint and nimble handling make it a popular choice for city drivers prioritizing simplicity and economy over performance or space.

SMART FORTWO 2009 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2022 and 2026, premiums for the 2009 Smart Fortwo fluctuate, moving from $270 in 2022 to a peak of $496 in 2023, before gradually falling back to $303, $267, and then $278. Following the one-time 2023 spike, amounts appear to stabilize around $270-280.

To find the best insurance for your SMART FORTWO 2009 vehicle, it is more important than ever to compare the available options.

How much does insurance for your SMART FORTWO 2009 cost in Quebec?

Among the cities provided, Montreal shows the highest premium ($342), followed by Gatineau ($210), while Quebec City posts the lowest amount ($94). The gap between Montreal and Quebec City is particularly notable for this model.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City Average price over the last 12 months
GATINEAU $209.94
MONTRÉAL $342.26
QUÉBEC $94.28

Frequently asked questions (FAQ)

How much does insurance cost for a 2009 Smart Fortwo?
The average premium for a 2009 Smart Fortwo varies by year, ranging from $267 to $496 between 2022 and 2026, with a $278 amount in 2026.
Why did the Fortwo 2009 premium spike in 2023?
In 2023, the average premium reached $496, a notable peak compared to $270 in 2022 and $303 in 2024. This type of variation can result from changes in reported claims or repair costs that year.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.
Which city offers the lowest insurance cost for a 2009 Fortwo?
Based on the data provided, Quebec City offers the lowest premium ($94), well below Gatineau ($210) and Montreal ($342).
Why does Montreal show a higher premium than Quebec City for this model?
Traffic density, higher claim volume in dense urban areas, and a greater theft risk in Montreal may explain the gap with Quebec City, where the average premium is only $94.
Is a small car like the Fortwo always cheaper to insure?
Not necessarily. While the Fortwo is a micro-car, its age, parts availability, and particular risk profile influence the premium, which can vary significantly from year to year.
How can I reduce my premium for a Smart Fortwo?
Comparing quotes from several insurers and choosing coverage matched to the vehicle's actual value, often reduced for a 2009 model, can help secure a better price.

Offers received by our customers on SMART FORTWO 2009 cars

Similar brands

FIAT
500
MINI
COOPER
TOYOTA
YARIS
CHEVROLET
SPARK

Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

  • Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
  • Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 08/14/2026