2026 Smart Quebec Car Insurance: ForTwo, ForFour and Smart EQ
Do you drive a Smart in Quebec? Whether it’s a ForTwo coupe or convertible, a ForFour or an electric Smart EQ, Assur360 — AMF-certified and member of the Chamber of Insurance — compares more than 9 insurers to find the best price. Free comparison in 3 minutes, without obligation. Even drivers with a more difficult record (points, accidents, suspension) can be insured through our network of substandard insurers. The owners’ clubs (Smart Québec, Smart Montréal) share resources for parts and maintenance.
IN BRIEF
Smart Car Insurance (ForTwo, ForFour, EQ)
Smart (Mercedes Daimler) = micro-city car with some of the lowest premiums on the market ($700-1,100/year). Electric EQ model eligible for eco discounts.
Security: Tridion safety cell offers surprising protection. Opt for optional collision insurance because of the perceived fragility in traffic.
2026 SMART AUTO INSURANCE
Compare 9+ insurers for your Smart in 3 minutes
Smart was withdrawn from the Canadian market in 2017, but the micro-cars ForTwo, ForFour, and Smart EQ are still on the road in Quebec. Insuring them becomes more complex each year: rare parts, limited specialized body shops, and some insurers now refuse these models.
Compare 30+ free quotesPopular Smart Models to Insure in Quebec
Smart ForTwo Coupe
2-seater micro-city car (2008-2016). Premium $800 – $1,200/year. Easy parking in town.
Smart ForTwo Convertible
Convertible version. Premium $900 – $1,300/year. Canvas roof — risk of vandalism.
Smart ForFour
4-seater version (rare in Canada). Premium $900 – $1,300/year. Very rare parts.
Smart EQ ForTwo
100% electric version 2017. Premium $1,000 – $1,400/year. Expensive battery to replace.
Smart ForTwo Cabrio EQ
Electric convertible. Premium $1,100 – $1,500/year. Very rare in Quebec.
2008-2015 Models
First generation. Premium $700 – $1,100/year but low residual value.
Factors that influence the premium of a Smart
Several elements specific to Smart weigh on the premium. Here are the main factors that our brokers monitor to get the best price.
Mark removed from Canada
Since 2017, Mercedes-Benz has no longer sold Smart in Canada. Parts, mechanics and paint go through Mercedes dealers or importers. Moderate impact on the premium.
Increasingly rare parts
Headlights, sensors and ForTwo-specific elements are becoming difficult to find. Some repairs require used or imported parts — higher time and cost.
Specialist bodyshops
Few shops in Quebec have mastered the Tridion structure (safety cage). Choosing a Mercedes certified bodyshop avoids poorly repaired claims.
Low premium despite everything
Low residual value ($4,000 – $10,000), limited speed and urban use reduce risk. Many insurers offer premiums under $1,000/year.
Possible refusals
Some standard insurers are now refusing the 2008-2012 Smarts. Assur360 knows the insurers that still accept — including the sub-standard market.
Electric EQ version
The Smart EQ (100% electric, 2017) has a limited range (100 km) and an expensive battery. Some insurers refuse to cover the battery — a clause to be checked.
How to get your Smart car quote in 4 steps
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Average Smart Insurance Rates in Quebec 2026
| Smart Model | Age 25-45 (good record) | Age 20-24 | Back with dots |
|---|---|---|---|
| 2015 Smart ForTwo | $700 – $1,100 | $1,100 – $1,650 | $1,250 – $1,850 |
| 2016 Smart ForTwo | $750 – $1,150 | $1,150 – $1,700 | $1,300 – $1,900 |
| 2016 Smart ForTwo Cabrio | $900 – $1,300 | $1,350 – $1,950 | $1,500 – $2,150 |
| 2015 Smart ForFour | $900 – $1,300 | $1,350 – $1,950 | $1,500 – $2,150 |
| 2017 Smart EQ ForTwo | $1,000 – $1,400 | $1,500 – $2,100 | $1,700 – $2,350 |
| Smart ForTwo 2010-2014 | $680 – $1,050 | $1,050 – $1,600 | $1,200 – $1,800 |
*Indicative rates 2026. Get your exact price in 3 minutes.
How to save on your Smart insurance
With the right insurer and discounts, you can reduce your Smart premium by 15-35%. Here are the most effective levers in Quebec.
Compare 9+ insurers
A single quote can cost $400 to $900 more per year. Assur360 compares the entire market in one quote.
Multi-product
Combine car + home with the same insurer to save 10 to 20%.
Low mileage
Less than 15,000 km/year? Discount 5 to 12% at several insurers.
Immobilizer and GPS
Reduces the all-risk flight premium by 5 to 15%. Mandatory on several targeted models.
Adjusted deductible
Going from $500 to $1,000 in deductible can cut 10 to 18% of the collision premium.
Telemetry
Usage apps (Belairdirect, Automerit, Intact My Drive) can cut down by up to 25% in the first year.
Recommended Covers for a Smart
Civil liability insurance (minimum $1 million, highly recommended $2 million) is mandatory in Quebec. Depending on your needs, the following are added: collision (B2) for your property damage, all perils (B1) which adds theft, vandalism and collisions with animals, replacement cost for a recent vehicle (24 months or less), roadside assistance, replacement vehicle and legal protection.
Also consult the official guides of the Autorité des marchés financiers (AMF), the SAAQ and the Équité Association to learn all about your rights and mandatory protections in Quebec.
Smart insurance available anywhere in Quebec
Assur360 insures Smart owners in Montreal, Quebec City, Laval, Sherbrooke, Gatineau, Trois-Rivières, Saguenay and Thetford Mines and everywhere else in Quebec. No matter where you are, our 9+ partner insurers offer comprehensive coverage for your Smart.
Frequently asked questions — Smart car insurance
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