Best Mercedes Car Insurance Rates in 2024
Full coverage Mercedes car insurance rates average $181/mo, although Mercedes models will have varying rates when you compare Mercedes car insurance rates by model. For example, full coverage for a Mercedes GLC averages $174/mo, whereas full coverage for a Mercedes S450 averages $201/mo.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: May 20, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Mercedes is a luxury brand with higher repair and replacement costs than other vehicles
- The vehicle model also affects car insurance rates since cars with a higher MSRP have increased insurance rates
- Experts recommend full coverage to pay for costly repairs, and some lenders may require it
Mercedes full coverage car insurance costs $181 monthly, making it important to compare Mercedes car insurance rates to find savings. Whenever you compare luxury vehicle insurance rates to non-luxury cars, luxury car insurance is more expensive because of the higher cost to repair and replace luxury vehicles.
However, since rates vary by Mercedes model, you could find lower rates with a certain model. For example, while a Mercedes GLC costs $174 monthly for full coverage, you could pay $160 for a Mercedes E300.
Before buying a policy, shop around to find the best auto insurance for Mercedes-Benz with the cheapest rates. Keep reading to learn more about Mercedes car insurance and compare Mercedes car insurance rates by model.
- Mercedes Car Insurance
Compare Mercedes Car Insurance Rates
A car’s make and model impact insurance rates. Mercedes is a luxury car manufacturer, so car insurance rates are higher than for less-expensive vehicles. In addition, there’s a significant cost difference between specific Mercedes models. Since these cars cost more to repair, auto insurance companies charge higher rates. (For more information, read our “what is the difference between car make vs. model “).
This table shows the average monthly car insurance rates for various Mercedes models:
Average Monthly Full Coverage Mercedes Car Insurance Rates by Model
| Car Model | Monthly Insurance Rates |
|---|---|
| Mercedes-Benz GLA 250 | $263 |
| Mercedes-Benz GLC 300 | $272 |
| Mercedes-Benz GLE 350 | $274 |
| Mercedes-Benz CLA 250 | $311 |
| Mercedes-Benz C300 | $325 |
| Mercedes-Benz C63 AMG | $433 |
| Mercedes-Benz G63 AMG | $459 |
| Mercedes-Benz G550 4Matic | $475 |
| Mercedes-Benz AMG GT | $568 |
The Mercedes-Benz E300 is the least expensive model to insure, and the S450 electric model is the most costly. So, even within the Mercedes brand, some models are more expensive to buy and insure.
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Mercedes Car Insurance Rates by Model
A Mercedes-Benz insurance premium calculator helps determine how much you can pay for coverage. However, you’ll need to know which model you want.
Remember, insurance rates vary significantly by model. For example, a Mercedes Maybach car insurance rates are very expensive (read more about how to compare Mercedes Maybach car insurance rates). These high-end luxury cars can cost thousands of dollars a year to insure.
Now, let’s dive into some Mercedes models to show you how much car insurance varies by model.
Mercedes C300 Car Insurance Rates
The Mercedes C300 is the least expensive model on our list to insure. However, car insurance rates are still above average for this sedan.
This table shows the average monthly car insurance rates for a Mercedes C300 by model year.
Average Monthly Full Coverage Mercedes C300 Car Insurance Rates by Model Year
| Model Year | Monthly Insurance Rates |
|---|---|
| 2022 Mercedes C300 | $325 |
| 2021 Mercedes C300 | $311 |
| 2020 Mercedes C300 | $300 |
| 2019 Mercedes C300 | $296 |
| 2018 Mercedes C300 | $283 |
| 2017 Mercedes C300 | $272 |
While liability auto insurance coverage is only around $37 a month, it doesn’t include coverage for damages to your Mercedes. The best full coverage car insurance is about $165 a month. Remember that you may be required to carry full coverage if you have a car loan or lease, so take the time to compare full coverage insurance to get the best deal.
Mercedes GLA 250 Car Insurance Rates
The car insurance rates for a Mercedes GLA 250 are slightly higher than rates for the C300. However, the GLA 250 is an SUV, which typically comes with higher insurance rates. Full coverage car insurance for the GLA 250 is around $170 a month.
Mercedes GLC 300 Car Insurance Rates
Mercedes GLC insurance costs more as an SUV model, so insurance rates are also higher than the GLA 250. Expect full coverage auto insurance to cost around $174 monthly for the GLC 300.
Mercedes CLA 250 Car Insurance Rates
The Mercedes CLA 250 is a coupe, and, as a sports car, car insurance rates are generally more expensive. The CLA 250 is the second most expensive model on our list to insure.
Average Monthly Full Coverage Mercedes CLA250 Car Insurance Rates by Model Year
| Model Year | Monthly Insurance Rates |
|---|---|
| 2022 Mercedes CLA250 | $311 |
| 2021 Mercedes CLA250 | $298 |
| 2020 Mercedes CLA250 | $288 |
| 2019 Mercedes CLA250 | $263 |
| 2018 Mercedes CLA250 | $253 |
Full coverage for the CLA 250 is around $178 monthly. It’s also important to remember that multiple versions of each model exist. For example, the CLA 250 4MATIC Coupe is more expensive and has higher insurance rates.
Mercedes GLE 350 Car Insurance Rates
The Mercedes GLE 350 is the most expensive model on our list. While this is also an SUV, the MSRP is higher than the GLA 250 and the GLC 300.
Average Monthly Full Coverage Mercedes GLE350 Car Insurance Rates by Model Year
| Model Year | Monthly Insurance Rates |
|---|---|
| 2022 Mercedes GLE350 | $273 |
| 2021 Mercedes GLE350 | $283 |
| 2020 Mercedes GLE350 | $276 |
| 2018 Mercedes GLE350 | $262 |
| 2017 Mercedes GLE350 | $250 |
As the most expensive Mercedes model on our list, full coverage car insurance for the GLE 350 is around $189 a month.
Unlock Your Coverage Options: Compare Mercedes Car Insurance Rates by Model
Easily compare car insurance rates for Mercedes-Benz models including E-Class, GLS 450, Maybach, SLK-Class, and Sprinter. Start now to find the best rates for your Mercedes!
| Compare Mercedes Car Insurance Rates by Model |
|---|
| Mercedes-Benz E-Class |
| Mercedes-Benz GLS 450 |
| Mercedes-Benz Maybach |
| Mercedes-Benz SLK-Class |
| Mercedes-Benz Sprinter |
Factors Affecting Mercedes Car Insurance Rates
Luxury car insurance rates are significantly higher than rates for standard vehicles. The car’s model affects insurance rates since MSRPs and vehicle types vary. For example, sports cars and large SUVs typically have higher insurance rates than sedans.
In addition, other factors affect the cost of car insurance. Your age, driving record, coverage, and ZIP code significantly impact your rates. For example, even if your model’s average Mercedes auto insurance rates are low, a bad driving record can dramatically increase rates.
Young driver car insurance rates can be much higher than rates for adults. So, a young driver insuring a high-end Mercedes pays much more than an adult with a clean driving record. So, it’s vital to compare car insurance rates by age and gender to find an affordable Mercedes policy for you.
Mercedes Car Insurance Savings Tips
While Mercedes auto insurance rates can be expensive, there are ways to get affordable Mercedes car insurance, including:
- Consider your policy. While most Mercedes owners need full coverage, they could raise their car insurance deductible for lower rates. A deductible is what you pay before insurance kicks in. While a high deductible means low rates, ensure you don’t raise it to an amount you can’t afford.
- Locate discounts. Look for eligible car insurance discounts for lower rates. Insurers offer many discounts based on the driver, policy, and vehicle. For example, Mercedes models have excellent safety ratings and features. So, Mercedes drivers could get safety features car insurance discounts.
- Participate in telematics program. Most large insurance companies have usage-based auto insurance programs to monitor driving habits and offer a discount based on safe driving.
- Improve driving habits. Avoid traffic violations, filing car insurance claims, and getting in accidents for lower Mercedes car insurance rates. Most states remove infractions from your driving record in three to five years.
- Shop around. Compare Mercedes car insurance quotes, Mercedes car insurance coverage options, and discounts from multiple companies to find the right coverage for you.
If you follow the Mercedes car insurance savings tips above, it shouldn’t be difficult to find the best car insurance for your Mercedes-Benz.
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Comparing Mercedes Car Insurance Rates
Mercedes car insurance is more expensive than average. However, rates depend on the driver and the vehicle model. Cars with a higher MSRP and are costly to repair have higher insurance rates than less expensive models.
Mercedes drivers can save on car insurance by adding discounts, participating in telematics programs, and keeping a clean driving record.
The best way to find affordable Mercedes car insurance is to shop around and determine rates with the Mercedes-Benz premium calculator. Each insurance company charges different rates, so compare Mercedes car insurance rates to find your best deal.
Frequently Asked Questions
Are Mercedes more expensive to insure?
Compared to non-luxury cars, Mercedes car insurance is expensive. Drivers can find cheap insurance for Mercedes-Benz by shopping around. Compare multiple insurance companies to find the most affordable coverage.
What is the car insurance price for Mercedes?
Full coverage car insurance for a Mercedes costs around $200 a month. However, rates vary by model and driver factors such as age, driving record, and ZIP code.
Is Mercedes a luxury car?
Yes, Mercedes is considered a luxury vehicle. While other brands may have luxury models, every Mercedes model is a luxury vehicle. All Mercedes models include high-end interiors and upgraded technology, and safety features.
How can I compare car insurance rates for a Mercedes?
To compare car insurance rates for a Mercedes, you can follow these tips:
- Gather information. Collect details about the specific Mercedes model, your driving history, and insurance needs.
- Research insurance companies. Look for reputable insurance providers that offer coverage for luxury vehicles like Mercedes.
- Request quotes. Contact different insurance companies and provide the necessary information to receive accurate quotes.
- Compare coverage options. Review the coverage levels, deductibles, and additional features each insurer offers for your Mercedes.
- Evaluate costs. Consider the premiums and any potential discounts offered by each insurer.
- Choose the best option. Select the insurance policy that provides the coverage you need for your Mercedes at a price that fits your budget.
Are car insurance rates the same for all Mercedes models?
No, car insurance rates can vary depending on the specific model of your Mercedes. Factors such as the car value, repair costs, safety features, and historical claims data for that model can influence insurance rates. Generally, more expensive and high-performance Mercedes models may have higher insurance premiums.
What factors can affect car insurance rates for a Mercedes?
Several factors can influence car insurance rates for a Mercedes. including:
- Model and year of the Mercedes
- Vehicle value and repair costs
- Safety features and anti-theft devices
- Driving record and claims history
- Driver’s age and gender
- Location where the Mercedes will be primarily driven and parked
- Coverage limits and deductibles chosen
- Annual mileage
Can I save money on car insurance for a Mercedes?
Yes, there are ways to potentially save money on car insurance for your Mercedes. Here are some tips:
- Shop around and compare quotes from multiple insurers specializing in luxury car insurance.
- Consider bundling your Mercedes insurance with other policies like home or umbrella insurance.
- Maintain a good driving record and consider taking defensive driving courses.
- Install anti-theft devices and safety features in your Mercedes.
- Inquire about discounts specific to luxury vehicles or Mercedes owners.
- Review and adjust your coverage needs periodically to ensure you are not overpaying for unnecessary coverage.
How much is insurance on a Mercedes C-Class?
A 2023 Mercedes-Benz C300 costs $165 monthly for full coverage, making it a more affordable option compared to the overall Mercedes average. However, you should compare Mercedes car insurance quotes to find the best deal for your C300.
How much is insurance for a Mercedes GLE 350?
You’ll pay $189 monthly to insure a Mercedes GLE 350, higher than the overall Mercedes average. You can still follow Mercedes car insurance savings tips to find low rates for your GLE 350.
Why is Mercedes insurance so expensive?
Mercedes car insurance is expensive because Mercedes are luxury cars that are more expensive to replace to repair after an accident.
Will car insurance go up if you buy a Mercedes?
Most Mercedes car insurance insurance policies are expensive, so your rates may go up. The best way to keep your insurance affordable is to compare Mercedes car insurance quotes to find the best rate.
How much is car insurance for a Mercedes-Benz?
Mercedes-Benz auto insurance will be more expensive, but you may be able to find cheaper rates by shopping around.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.