Mercedes-Benz Insurance Rates

The average cost of car insurance for a Mercedes-Benz model is about $2,286 per year.

This is $219 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. 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

These Mercedes-Benz insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Insurance Cost per Mercedes-Benz Model

Model Good Driver Recent Accident Poor Credit
Mercedes-Benz A-Class Insurance Cost $2,109 $3,141 $3,713
Mercedes-Benz C-Class Insurance Cost $2,082 $3,101 $3,666
Mercedes-Benz CLA-Class Insurance Cost $2,196 $3,270 $3,866
Mercedes-Benz CLS-Class Insurance Cost $2,777 $4,137 $4,890
Mercedes-Benz E-Class Insurance Cost $2,405 $3,582 $4,234
Mercedes-Benz G-Class Insurance Cost $2,987 $4,449 $5,260
Mercedes-Benz GLA-Class Insurance Cost $1,766 $2,631 $3,110
Mercedes-Benz GLC-Class Insurance Cost $1,793 $2,671 $3,158
Mercedes-Benz GLE-Class Insurance Cost $2,201 $3,278 $3,875
Mercedes-Benz GLS-Class Insurance Cost $2,226 $3,316 $3,920
Mercedes-Benz Metris Insurance Cost $1,539 $2,293 $2,710
Mercedes-Benz S-Class Insurance Cost $3,158 $4,704 $5,561
Mercedes-Benz SL-Class Insurance Cost $2,191 $3,263 $3,857
Mercedes-Benz SLC 300 Roadster Insurance Cost $3,194 $4,758 $5,624
Mercedes-Benz Sprinter Insurance Cost $1,667 $2,483 $2,935

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 $7,744 $11,534 $13,635
18 $7,216 $10,749 $12,706
19 $6,377 $9,499 $11,229
20 $5,561 $8,283 $9,791
21 $4,663 $6,946 $8,211
22 $4,542 $6,765 $7,997
23 $3,974 $5,919 $6,997
24 $3,775 $5,623 $6,647
25 $3,258 $4,853 $5,737
30 $2,538 $3,780 $4,469
35 $2,377 $3,541 $4,185
40 $2,286 $3,405 $4,025
45 $2,225 $3,313 $3,917
55 $2,040 $3,039 $3,592
65 $2,128 $3,170 $3,747
75 $2,686 $4,001 $4,729

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 $2,422 $3,393 $4,247
Alaska $2,004 $2,918 $3,057
Arizona $2,265 $3,514 $5,010
Arkansas $2,483 $3,762 $4,208
California $2,765 $4,836 $2,765
Colorado $2,580 $3,572 $4,456
Connecticut $3,296 $5,097 $6,528
Delaware $2,729 $3,757 $4,988
Florida $3,249 $4,414 $5,754
Georgia $2,649 $4,083 $4,189
Hawaii $1,058 $1,461 $1,058
Idaho $1,838 $2,474 $3,080
Illinois $1,924 $2,844 $3,299
Indiana $1,977 $3,090 $3,605
Iowa $1,566 $2,349 $2,737
Kansas $2,083 $3,067 $3,633
Kentucky $3,012 $4,530 $5,328
Louisiana $3,866 $5,909 $6,361
Maine $1,462 $1,961 $2,861
Maryland $2,366 $3,469 $4,096
Massachusetts $1,897 $3,208 $1,897
Michigan $4,578 $6,883 $10,583
Minnesota $1,885 $2,532 $3,748
Mississippi $2,275 $3,437 $3,630
Missouri $2,144 $2,952 $3,818
Montana $2,180 $3,410 $3,762
Nebraska $1,842 $2,608 $2,967
Nevada $3,039 $4,587 $5,032
New Hampshire $2,114 $3,407 $4,338
New Jersey $2,329 $3,672 $4,737
New Mexico $2,378 $3,422 $3,843
New York $2,203 $2,869 $4,631
North Carolina $1,366 $2,205 $1,699
North Dakota $1,869 $2,877 $3,652
Ohio $1,666 $2,725 $2,824
Oklahoma $2,661 $3,996 $4,532
Oregon $2,421 $3,657 $4,195
Pennsylvania $2,040 $3,084 $3,540
Rhode Island $3,405 $5,225 $5,976
South Carolina $2,313 $3,347 $4,776
South Dakota $2,075 $2,855 $3,425
Tennessee $2,440 $3,650 $4,605
Texas $2,458 $3,617 $4,540
Utah $2,090 $3,023 $4,169
Vermont $1,609 $2,573 $2,813
Virginia $1,516 $2,283 $2,425
Washington $2,007 $3,015 $3,555
West Virginia $2,019 $2,941 $3,631
Wisconsin $2,013 $2,939 $3,569
Wyoming $1,879 $2,761 $3,087

Other Important Mercedes-Benz Ownership Costs

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on depreciation, maintenance and financing for all Mercedes-Benz models. These will provide you with even more knowledge before making such an important financial decision.

Ready to start shopping for a Mercedes-Benz? We have millions of new and used vehicles listed. Here are some Mercedes-Benz models for sale in your area.

Have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.