SmartFinancial Car Insurance Review

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SmartFinancial Insurance is an online comparison tool for insurance quotes. Based in Costa Mesa, CA, SmartFinancial Insurance offers real-time insurance rates and insurance services in all 50 states through partnerships with different insurance carriers and agencies. Submit your information once and compare rates from over 30 insurance companies in under three minutes.

How is SmartFinancial rated?


Overall Rating: 0 / 10 (N/A)

With its rate comparison tool, Smart Financial gives car insurance shoppers the option of selecting the best policies from leading auto insurance carriers in the country. Its SMARTWAY™ system makes the experience of finding, comparing rates and buying insurance simpler and effective. Together, this makes SmartFinancial an ideal place to start their research, even if they have little or no prior experience shopping for car insurance.

SmartFinancial Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Rental Reimbursement
  • Towing & Labor Cost
  • Sound System
  • Glass
  • Vet Bills

Coverage & Benefits - 0 / 10

Coverage and benefit items vary according to the selected plan and auto insurance carrier. However, all auto insurance policies include basic liability coverage for bodily injury and property damage in compliance with State and Federal laws. Higher-tiered plans which demand higher premiums offer more comprehensive coverage and optional benefits.

Customer Experience

Customer Ratings

Trust Pilot Rating
8.3 out of 10
BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Customer Experience - 0 / 10

SmartFinancial enjoys an A+ Rating with the BBB, despite having only one review on the website. They don't have a presence on TrustPilot. This lack of customer reviews probably points to the fact that SmartFinancial is a marketplace for auto insurers and not an underwriter in and of itself. Customers should be aware that the company will provide their information to their marketing partners, in order for these insurance companies to provide quotes, rather than generate quotes themselves.

Financial Strength

Key Details

AM Best Financial Rating
Moody's Financial Rating
Standard & Poor's Financial Rating

Financial Strength - 0 / 10

SmartFinancial partners with more than thirty different brand-name auto insurers in order to provide the most complete competing offers. Partners include companies such as Progressive, The General, and Mercury. However, customers should always research the companies they're paired with, verifying their financial ratings and stability. These will determine the company's ability to make payments when needed.
*The above information reflects the financials strength of one of the partner insurance companies that this insurance marketplace offers policies through: Progressive.

Pricing & Discounts


  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Low Milage
  • Vehicle Safety
  • Homeowner
  • Student
  • Senior
  • Bundled Policy

Additional Discounts

  • Hybrid / Electric Vehicle
  • Group Savings (unions, etc)
  • Newly Married
  • Full/Automatic Payment

Pricing and Discounts - 0 / 10

Various discount options are available, but vary according to the auto insurance carrier selected. For insurance companies that offer several insurance products, multi-policy discounts are common. Good driving habits, incident-free policies, and vehicle safety are also common discount items. Differences can generally be found in the optional discount items provided by individual carriers.

Contact & Additional Information

Homepage URL
Company Phone
(855) 214-2291
Headquarters Address
1901 Newport Boulevard, Costa Mesa, CA, 92627
Year Founded

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Top Rated
10 / 10
  • Progressive Insurance - #1 Rated Website
  • Trusted by Over 18,000,000 drivers
  • Competitive rates, tons of discounts (safe driver, pay-in-full, multi-car, multi-policy, quoting online & more)
  • Name your price Tool®
  • Bundle auto & property to save 5%
  • Snapshot® is a program that personalizes your rate based on how YOU drive.
  • Loan/lease payoff coverage, roadside assistance & strong financial ratings