Mercedes-Benz Insurance Rates

The average cost of car insurance for a Mercedes-Benz model is about $2,059 per year.

This is $165 worse than other luxury brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Mercedes-Benz insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Mercedes-Benz insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Insurance Cost per Mercedes-Benz Model

Model Good Driver Recent Accident Poor Credit
Mercedes-Benz A-Class Insurance Cost $1,807 $2,654 $3,105
Mercedes-Benz C-Class Insurance Cost $1,784 $2,620 $3,065
Mercedes-Benz CLA-Class Insurance Cost $1,881 $2,762 $3,231
Mercedes-Benz CLS-Class Insurance Cost $2,422 $3,556 $4,160
Mercedes-Benz E-Class Insurance Cost $2,245 $3,297 $3,857
Mercedes-Benz G-Class Insurance Cost $2,829 $4,154 $4,860
Mercedes-Benz GLA-Class Insurance Cost $1,680 $2,467 $2,886
Mercedes-Benz GLC-Class Insurance Cost $1,706 $2,505 $2,930
Mercedes-Benz GLE-Class Insurance Cost $1,886 $2,769 $3,240
Mercedes-Benz GLS-Class Insurance Cost $1,909 $2,803 $3,279
Mercedes-Benz Metris Insurance Cost $1,565 $2,298 $2,689
Mercedes-Benz S-Class Insurance Cost $2,878 $4,226 $4,943
Mercedes-Benz SL-Class Insurance Cost $1,877 $2,756 $3,224
Mercedes-Benz SLC 300 Roadster Insurance Cost $2,775 $4,075 $4,767
Mercedes-Benz Sprinter Insurance Cost $1,643 $2,412 $2,822

The cost to insure a Mercedes-Benz model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a Mercedes-Benz, then see our insurance analysis and rankings for other makes and models here.

Mercedes-Benz Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $6,975 $10,242 $11,981
18 $6,500 $9,545 $11,166
19 $5,744 $8,435 $9,868
20 $5,009 $7,355 $8,604
21 $4,200 $6,168 $7,215
22 $4,091 $6,007 $7,027
23 $3,579 $5,256 $6,149
24 $3,400 $4,993 $5,841
25 $2,935 $4,309 $5,041
30 $2,286 $3,357 $3,927
35 $2,141 $3,144 $3,678
40 $2,059 $3,024 $3,537
45 $2,004 $2,942 $3,442
55 $1,838 $2,698 $3,157
65 $1,917 $2,815 $3,293
75 $2,419 $3,553 $4,156

Mercedes-Benz auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Mercedes-Benz models by state.

Average Mercedes-Benz Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $2,182 $3,169 $4,033
Alaska $1,805 $2,502 $2,431
Arizona $2,040 $2,949 $4,345
Arkansas $2,237 $3,514 $3,870
California $2,490 $4,404 $2,490
Colorado $2,324 $3,252 $4,127
Connecticut $2,969 $4,605 $5,845
Delaware $2,458 $3,276 $4,208
Florida $2,927 $4,049 $5,276
Georgia $2,386 $3,568 $3,598
Hawaii $953 $1,294 $953
Idaho $1,656 $2,195 $2,669
Illinois $1,733 $2,620 $2,987
Indiana $1,781 $2,722 $3,055
Iowa $1,410 $1,934 $2,274
Kansas $1,876 $2,730 $3,193
Kentucky $2,713 $3,982 $4,702
Louisiana $3,482 $5,264 $5,707
Maine $1,317 $1,820 $2,687
Maryland $2,131 $3,101 $3,445
Massachusetts $1,709 $2,981 $1,709
Michigan $4,124 $6,284 $9,912
Minnesota $1,697 $2,263 $3,187
Mississippi $2,049 $2,923 $2,942
Missouri $1,931 $2,760 $3,626
Montana $1,963 $2,739 $3,188
Nebraska $1,659 $2,454 $2,666
Nevada $2,737 $4,060 $4,289
New Hampshire $1,904 $3,011 $3,806
New Jersey $2,098 $3,291 $4,307
New Mexico $2,142 $3,187 $3,308
New York $1,984 $2,499 $4,171
North Carolina $1,230 $2,113 $1,507
North Dakota $1,683 $2,558 $3,026
Ohio $1,501 $2,315 $2,373
Oklahoma $2,397 $3,432 $3,864
Oregon $2,181 $2,926 $3,495
Pennsylvania $1,837 $2,697 $3,156
Rhode Island $3,067 $4,499 $5,066
South Carolina $2,083 $2,887 $3,984
South Dakota $1,869 $2,693 $3,107
Tennessee $2,198 $3,236 $4,309
Texas $2,214 $3,198 $3,977
Utah $1,883 $2,638 $3,630
Vermont $1,449 $2,232 $2,359
Virginia $1,365 $2,096 $2,055
Washington $1,807 $2,453 $2,929
West Virginia $1,819 $2,604 $3,263
Wisconsin $1,813 $2,830 $3,228
Wyoming $1,693 $2,370 $2,523