This letter proposes a two-port multiple-input-multiple-output smartphone antenna for frequency bands below 1 GHz, which is robust to user effects. The design is achieved by first analyzing the characteristic modes of a chassis that includes the large screen. Two modes predicted to be less affected by the user than other commonly used modes are selected. The modal currents and near-fields of the two desired modes then guide the design: The monopole-like mode introduced by the screen is tuned to resonance using shorting pins and selectively excited using the center feed location. The nonresonant loop mode is selectively excited for the first time by four inductive feeds added along the longer sides of the chassis, with proper phase shifts provided by a feeding network. The proposed antenna features isolation of above 19 dB and envelope correlation coefficient of below 0.12 in the considered scenarios. The measured bandwidth is above 15% for both ports, and the average radiation efficiency is 2 and 4.57 dB higher for two user scenarios with respect to a reference design. Moreover, no adaptive matching is needed as the impedance matching is robust to the user hand/head.