Mercedes-Benz Insurance Rates

The average cost of car insurance for a Mercedes-Benz model is about $1,902 per year.

This is $115 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 $1,730 $2,540 $2,971
Mercedes-Benz C-Class Insurance Cost $1,708 $2,508 $2,934
Mercedes-Benz CLA-Class Insurance Cost $1,800 $2,644 $3,093
Mercedes-Benz CLS-Class Insurance Cost $2,221 $3,262 $3,816
Mercedes-Benz E-Class Insurance Cost $1,972 $2,895 $3,387
Mercedes-Benz G-Class Insurance Cost $2,360 $3,465 $4,054
Mercedes-Benz GLA-Class Insurance Cost $1,607 $2,360 $2,761
Mercedes-Benz GLC-Class Insurance Cost $1,632 $2,396 $2,804
Mercedes-Benz GLE-Class Insurance Cost $1,804 $2,649 $3,099
Mercedes-Benz GLS-Class Insurance Cost $1,826 $2,682 $3,137
Mercedes-Benz Metris Insurance Cost $1,483 $2,177 $2,547
Mercedes-Benz S-Class Insurance Cost $2,495 $3,664 $4,286
Mercedes-Benz SL-Class Insurance Cost $1,796 $2,638 $3,086
Mercedes-Benz SLC 300 Roadster Insurance Cost $2,523 $3,705 $4,334
Mercedes-Benz Sprinter Insurance Cost $1,572 $2,309 $2,701

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 $6,443 $9,460 $11,067
18 $6,004 $8,816 $10,314
19 $5,306 $7,791 $9,115
20 $4,627 $6,794 $7,948
21 $3,880 $5,697 $6,665
22 $3,779 $5,548 $6,491
23 $3,306 $4,855 $5,679
24 $3,141 $4,612 $5,396
25 $2,711 $3,980 $4,656
30 $2,112 $3,101 $3,627
35 $1,978 $2,904 $3,397
40 $1,902 $2,793 $3,267
45 $1,851 $2,718 $3,179
55 $1,697 $2,492 $2,916
65 $1,771 $2,600 $3,042
75 $2,235 $3,282 $3,839

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 $2,015 $2,927 $3,726
Alaska $1,667 $2,311 $2,246
Arizona $1,884 $2,724 $4,014
Arkansas $2,066 $3,246 $3,574
California $2,300 $4,068 $2,300
Colorado $2,147 $3,004 $3,812
Connecticut $2,742 $4,254 $5,399
Delaware $2,271 $3,026 $3,887
Florida $2,703 $3,740 $4,874
Georgia $2,204 $3,296 $3,323
Hawaii $880 $1,195 $880
Idaho $1,529 $2,028 $2,465
Illinois $1,601 $2,420 $2,759
Indiana $1,645 $2,515 $2,822
Iowa $1,303 $1,787 $2,101
Kansas $1,733 $2,522 $2,950
Kentucky $2,506 $3,678 $4,343
Louisiana $3,217 $4,862 $5,272
Maine $1,216 $1,681 $2,482
Maryland $1,968 $2,865 $3,182
Massachusetts $1,578 $2,753 $1,578
Michigan $3,809 $5,804 $9,155
Minnesota $1,568 $2,091 $2,944
Mississippi $1,893 $2,700 $2,717
Missouri $1,783 $2,550 $3,350
Montana $1,813 $2,530 $2,945
Nebraska $1,533 $2,267 $2,463
Nevada $2,528 $3,750 $3,961
New Hampshire $1,759 $2,781 $3,516
New Jersey $1,938 $3,040 $3,978
New Mexico $1,979 $2,943 $3,055
New York $1,833 $2,308 $3,853
North Carolina $1,136 $1,952 $1,392
North Dakota $1,555 $2,363 $2,794
Ohio $1,386 $2,138 $2,192
Oklahoma $2,214 $3,170 $3,569
Oregon $2,015 $2,703 $3,229
Pennsylvania $1,697 $2,491 $2,915
Rhode Island $2,833 $4,156 $4,680
South Carolina $1,924 $2,666 $3,680
South Dakota $1,726 $2,487 $2,870
Tennessee $2,030 $2,989 $3,980
Texas $2,045 $2,954 $3,674
Utah $1,739 $2,437 $3,353
Vermont $1,339 $2,062 $2,179
Virginia $1,261 $1,936 $1,898
Washington $1,670 $2,266 $2,706
West Virginia $1,680 $2,406 $3,014
Wisconsin $1,675 $2,614 $2,982
Wyoming $1,563 $2,189 $2,331