Are the maintenance and insurance costs for the smart #3 higher than for the #1?

Since both cars share the same powertrain and much of their tech, routine maintenance costs should be very similar. The bigger factor is insurance. The #3 Brabus, with its significantly higher horsepower and higher purchase price, will definitely fall into a higher insurance bracket. The Pro and Premium variants will likely have insurance costs comparable to the equivalent #1 models, as their values are in a similar range .