Mercedes-Benz S-Class Insurance Cost

Auto insurance for a Mercedes-Benz S-Class will cost about $3,158 per year.

This is more than the national average for luxury sedan models by $1,091. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a Mercedes-Benz S-Class. Visit our Competitive Quote Tool to see if you can find lower rates for a S-Class.

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

These Mercedes-Benz S-Class 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.

Mercedes-Benz S-Class insurance Cost

Age Good Driver Recent Accident Poor Credit
17 $10,699 $15,935 $18,837
18 $9,970 $14,851 $17,555
19 $8,811 $13,124 $15,514
20 $7,683 $11,444 $13,527
21 $6,443 $9,597 $11,344
22 $6,275 $9,346 $11,048
23 $5,490 $8,178 $9,667
24 $5,216 $7,769 $9,184
25 $4,501 $6,705 $7,925
30 $3,506 $5,223 $6,174
35 $3,284 $4,892 $5,782
40 $3,158 $4,704 $5,561
45 $3,073 $4,578 $5,411
55 $2,819 $4,198 $4,963
65 $2,940 $4,379 $5,177
75 $3,711 $5,528 $6,534

Mercedes-Benz S-Class car 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 S-Class by state.

Mercedes-Benz S-Class Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $3,347 $4,688 $5,867
Alaska $2,768 $4,032 $4,224
Arizona $3,129 $4,854 $6,922
Arkansas $3,431 $5,197 $5,814
California $3,820 $6,681 $3,820
Colorado $3,565 $4,935 $6,156
Connecticut $4,554 $7,041 $9,019
Delaware $3,770 $5,191 $6,892
Florida $4,489 $6,098 $7,950
Georgia $3,660 $5,641 $5,788
Hawaii $1,462 $2,018 $1,462
Idaho $2,540 $3,419 $4,256
Illinois $2,659 $3,930 $4,558
Indiana $2,731 $4,269 $4,981
Iowa $2,163 $3,245 $3,782
Kansas $2,878 $4,238 $5,020
Kentucky $4,161 $6,259 $7,361
Louisiana $5,341 $8,163 $8,789
Maine $2,020 $2,709 $3,953
Maryland $3,269 $4,792 $5,660
Massachusetts $2,621 $4,433 $2,621
Michigan $6,325 $9,509 $14,621
Minnesota $2,604 $3,498 $5,178
Mississippi $3,143 $4,748 $5,015
Missouri $2,962 $4,079 $5,275
Montana $3,011 $4,712 $5,197
Nebraska $2,545 $3,603 $4,099
Nevada $4,198 $6,337 $6,953
New Hampshire $2,921 $4,707 $5,994
New Jersey $3,218 $5,073 $6,544
New Mexico $3,286 $4,728 $5,310
New York $3,044 $3,964 $6,398
North Carolina $1,887 $3,046 $2,347
North Dakota $2,582 $3,974 $5,045
Ohio $2,302 $3,765 $3,901
Oklahoma $3,676 $5,520 $6,261
Oregon $3,345 $5,053 $5,796
Pennsylvania $2,818 $4,261 $4,890
Rhode Island $4,705 $7,219 $8,257
South Carolina $3,195 $4,624 $6,598
South Dakota $2,867 $3,944 $4,732
Tennessee $3,371 $5,043 $6,363
Texas $3,395 $4,997 $6,272
Utah $2,888 $4,176 $5,760
Vermont $2,223 $3,555 $3,886
Virginia $2,094 $3,154 $3,350
Washington $2,772 $4,165 $4,911
West Virginia $2,790 $4,062 $5,017
Wisconsin $2,781 $4,060 $4,931
Wyoming $2,596 $3,815 $4,265

Other Important Costs of Owning a Mercedes-Benz S-Class

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

Already decided on buying a Mercedes-Benz S-Class? We have millions of new and used vehicles listed. Here are some Mercedes-Benz models for sale in your area.

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