Mercedes-Benz Insurance Rates

The average cost of car insurance for a Mercedes-Benz model is about $2,538 per year.

This is $313 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 $1,974 $2,898 $3,390
Mercedes-Benz C-Class Insurance Cost $1,949 $2,861 $3,347
Mercedes-Benz CLA-Class Insurance Cost $2,239 $3,288 $3,847
Mercedes-Benz CLS-Class Insurance Cost $3,530 $5,183 $6,064
Mercedes-Benz E-Class Insurance Cost $2,934 $4,309 $5,041
Mercedes-Benz G-Class Insurance Cost $3,800 $5,580 $6,527
Mercedes-Benz GLA-Class Insurance Cost $1,834 $2,693 $3,151
Mercedes-Benz GLC-Class Insurance Cost $1,863 $2,736 $3,200
Mercedes-Benz GLE-Class Insurance Cost $2,244 $3,296 $3,856
Mercedes-Benz GLS-Class Insurance Cost $2,369 $3,478 $4,069
Mercedes-Benz Metris Insurance Cost $1,710 $2,511 $2,937
Mercedes-Benz S-Class Insurance Cost $3,865 $5,676 $6,640
Mercedes-Benz SL-Class Insurance Cost $2,234 $3,281 $3,838
Mercedes-Benz SLC 300 Roadster Insurance Cost $3,728 $5,474 $6,404
Mercedes-Benz Sprinter Insurance Cost $1,794 $2,635 $3,082

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 $8,596 $12,623 $14,767
18 $8,011 $11,764 $13,762
19 $7,080 $10,396 $12,162
20 $6,173 $9,065 $10,605
21 $5,177 $7,602 $8,893
22 $5,042 $7,403 $8,661
23 $4,411 $6,478 $7,578
24 $4,191 $6,154 $7,200
25 $3,617 $5,311 $6,213
30 $2,817 $4,137 $4,840
35 $2,639 $3,875 $4,533
40 $2,538 $3,727 $4,360
45 $2,469 $3,626 $4,242
55 $2,265 $3,326 $3,891
65 $2,362 $3,469 $4,058
75 $2,982 $4,379 $5,122

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 $2,689 $3,905 $4,971
Alaska $2,224 $3,083 $2,997
Arizona $2,515 $3,635 $5,355
Arkansas $2,757 $4,331 $4,769
California $3,069 $5,428 $3,069
Colorado $2,864 $4,009 $5,086
Connecticut $3,659 $5,676 $7,204
Delaware $3,030 $4,038 $5,186
Florida $3,607 $4,990 $6,503
Georgia $2,941 $4,398 $4,434
Hawaii $1,175 $1,595 $1,175
Idaho $2,041 $2,705 $3,289
Illinois $2,136 $3,229 $3,682
Indiana $2,195 $3,355 $3,765
Iowa $1,738 $2,384 $2,803
Kansas $2,313 $3,365 $3,936
Kentucky $3,343 $4,908 $5,795
Louisiana $4,292 $6,487 $7,034
Maine $1,623 $2,243 $3,312
Maryland $2,626 $3,822 $4,246
Massachusetts $2,106 $3,674 $2,106
Michigan $5,082 $7,745 $12,216
Minnesota $2,092 $2,790 $3,928
Mississippi $2,526 $3,602 $3,626
Missouri $2,380 $3,402 $4,470
Montana $2,420 $3,376 $3,930
Nebraska $2,045 $3,025 $3,286
Nevada $3,373 $5,004 $5,286
New Hampshire $2,347 $3,711 $4,691
New Jersey $2,585 $4,056 $5,308
New Mexico $2,640 $3,927 $4,077
New York $2,446 $3,080 $5,141
North Carolina $1,516 $2,605 $1,857
North Dakota $2,075 $3,153 $3,729
Ohio $1,850 $2,853 $2,925
Oklahoma $2,954 $4,229 $4,762
Oregon $2,688 $3,607 $4,308
Pennsylvania $2,264 $3,324 $3,889
Rhode Island $3,780 $5,545 $6,244
South Carolina $2,567 $3,558 $4,911
South Dakota $2,303 $3,319 $3,830
Tennessee $2,709 $3,988 $5,310
Texas $2,728 $3,941 $4,902
Utah $2,321 $3,252 $4,475
Vermont $1,786 $2,751 $2,908
Virginia $1,683 $2,584 $2,532
Washington $2,228 $3,024 $3,610
West Virginia $2,242 $3,210 $4,022
Wisconsin $2,235 $3,488 $3,979
Wyoming $2,086 $2,920 $3,110