Smart cars, which incorporate information and communication technologies (ICT) to improve driving safety and convenience for drivers, have recently emerged. However, the increasing risk of automotive cybersecurity due to the vulnerability of electronic control units (ECUs) and automotive networks, which are essential for realizing the autonomous driving functions of smart cars, is a major obstacle to the widespread adoption of smart cars. Although there have been only a few real-world cases of smart car hacking, drivers' concerns about the security of smart cars can have a negative impact on their proliferation. Therefore, it is important to understand the risk factors perceived by drivers and the trust in smart cars formed through them in order to promote the future diffusion of smart cars. This study examines the risk factors that affect the formation of trust in smart cars, focusing on security and privacy, and analyzes how these factors affect safety perceptions and trust in smart cars.