)
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Featured in
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Mercedes-Benz is a global icon among luxury automobile brands. Its excellent safety ratings, polished exteriors, and smooth interiors come at a high price, though.
Drivers pay averages of $125 per month for liability coverage and $235 for full coverage across all Mercedes models, which is higher than the national averages for all vehicle types. But your costs will vary depending on many factors.
Here’s what you should know about finding car insurance for your Mercedes-Benz.
USAA and GEICO offer the cheapest average rates for most Mercedes-Benz drivers.
The Mercedes Sprinter is one of the cheapest Mercedes model to insure, on average.
The Mercedes CLA-Class is one of the most expensive Mercedes models to insure.
Cost of Mercedes-Benz insurance by model
Insurance costs can vary drastically by the type of vehicle you choose. Typically, the more expensive the model, the more costly it is to insure.
The following table shows average full-coverage and liability-only rates for 10 different Mercedes-Benz models.
Mercedes-Benz Model | Average Quote: Full Coverage | Average Quote: Liability Only |
---|---|---|
C-Class | $242 | $129 |
G-Class | $241 | $128 |
E-Class | $234 | $124 |
CLA-Class | $266 | $142 |
GLA-Class | $227 | $121 |
GLB-Class | $240 | $128 |
GLC-Class | $226 | $120 |
GLE-Class | $241 | $128 |
S-Class | $254 | $135 |
Sprinter | $204 | $108 |
Cheapest Mercedes-Benz insurance by model
Car insurance costs depend on various individual rating factors, such as your age, driving record, marital status, location, and more. Another major factor is which specific model of Mercedes you have. Below, you’ll find the most affordable rates by model based on Insurify data.
Offering standard features like anti-lock brakes and advanced safety features alike, the Mercedes-Benz C-Class was voted as one of the safest cars by the Insurance Institute for Highway Safety (IIHS) in 2025.[1]
While the C-Class is one of the most affordable sedans Mercedes-Benz offers, with a starting price of $49,600, it’s one of the most expensive to insure, based on Insurify data.[2]
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $123 $59 GEICO $146 $68 State Farm $147 $69 Allstate $164 $77 Progressive $190 $123 American Family $192 $88 Nationwide $227 $108 Travelers $239 $115 Farmers $291 $137 Liberty Mutual $311 $217 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Mercedes-Benz G-Class is a luxury SUV with a powerful engine and off-road capability. The second generation of the G-Class launched in 2019, and each model is handmade in an Austrian factory.
The G-Class comes with a hefty price tag. The starting MSRP for the 2025 model ranges from $149,400 to $162,650.
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $123 $59 GEICO $145 $68 State Farm $147 $69 Allstate $163 $76 Progressive $189 $123 American Family $191 $88 Nationwide $226 $108 Travelers $238 $114 Farmers $290 $137 Liberty Mutual $310 $216 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The older models of the E-Class made up the most popular Mercedes-Benz cars in the company’s history, and they were redesigned in 2020. These new cars offer smart features like the ability to talk to other drivers to gain insight into dangers coming up, like vehicle crashes.
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $120 $57 GEICO $141 $66 State Farm $143 $67 Allstate $159 $74 Progressive $184 $120 American Family $185 $85 Nationwide $220 $105 Travelers $232 $111 Farmers $282 $133 Liberty Mutual $301 $210 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Mercedes CLA is one of the least expensive models this luxury vehicle manufacturer offers, with a starting price of $44,550. Despite being relatively affordable as luxury cars go, average insurance premiums are a bit on the high side for this model.
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $136 $65 GEICO $161 $75 State Farm $162 $76 Allstate $180 $85 Progressive $210 $136 American Family $211 $97 Nationwide $250 $119 Travelers $264 $126 Farmers $321 $151 Liberty Mutual $343 $239 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Mercedes-Benz GLA-Class offers the brand’s most affordable SUV, with a starting price of $44,150. Check out average car insurance costs for the GLA-Class in the table below.
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $116 $56 GEICO $137 $64 State Farm $138 $65 Allstate $154 $72 Progressive $179 $116 American Family $180 $83 Nationwide $213 $102 Travelers $225 $108 Farmers $273 $129 Liberty Mutual $292 $203 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Mercedes GLB-Class offers a unique boxy profile and starts at an MSRP of $46,950. The table below shows average liability and full-coverage costs from popular insurers for the GLB-Class.
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $123 $59 GEICO $145 $68 State Farm $146 $69 Allstate $163 $76 Progressive $189 $123 American Family $190 $88 Nationwide $225 $108 Travelers $238 $114 Farmers $289 $136 Liberty Mutual $309 $215 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The GLC-Class is designed more for families with larger seating and cargo areas and includes plenty of safety features, like adaptive cruise control for long road trips. It’s also one of the more affordable models, with a starting MSRP of $50,400.
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $116 $55 GEICO $137 $64 State Farm $138 $65 Allstate $153 $72 Progressive $178 $116 American Family $179 $83 Nationwide $212 $101 Travelers $224 $107 Farmers $272 $129 Liberty Mutual $291 $203 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Mercedes GLE-Class is popular with people with a penchant for luxury manufacturer logos at a more moderate price point. Still, this model offers a great deal on a long list of traditional Mercedes features, like an exquisite interior, advanced safety features, and a powerful engine to handle all types of driving scenarios.
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $123 $59 GEICO $145 $68 State Farm $147 $69 Allstate $163 $76 Progressive $189 $123 American Family $190 $88 Nationwide $225 $108 Travelers $238 $114 Farmers $289 $137 Liberty Mutual $309 $215 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Mercedes-Benz S-Class is known for its powerful engine. It boasts 362 to 496 horsepower, depending on trim level. The Mercedes-Benz S 580 4MATIC Sedan has a V-8 4.0-liter engine size and can go from zero to 60 in just 4.4 seconds, for example.
These features result in higher insurance costs, as it’s one of the most expensive Mercedes-Benz models to insure.
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $130 $62 GEICO $153 $71 State Farm $155 $73 Allstate $172 $81 Progressive $200 $130 American Family $201 $93 Nationwide $238 $114 Travelers $251 $120 Farmers $305 $144 Liberty Mutual $327 $227 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The customizable Sprinter van has some new standard features in 2025 that used to be optional, including rain-sensing windshield wipers and an updated blind-spot monitoring system. The starting MSRP for the 2500 Cargo trim ranges from $53,195 to $71,945.
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability OnlyUSAA $104 $50 GEICO $123 $57 State Farm $124 $59 Allstate $138 $65 Progressive $161 $104 American Family $162 $74 Nationwide $191 $91 Travelers $202 $97 Farmers $246 $116 Liberty Mutual $263 $183 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Best companies for Mercedes-Benz car insurance
Finding the best auto insurance company for your particular situation can help you save the most money without sacrificing coverage. It’s best to compare car insurance quotes from as many companies as you can to find the best deals.
Here are some good companies to start with:
State Farm
User Reviews | 4.1 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Jim
June 11, 2025
Question answered
Jessica
June 9, 2025
No Money Saved
Vicki
June 9, 2025
State Farm
State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranks highly for customer satisfaction in many regions in the J.D. Power 2024 U.S. Auto Insurance Study.
Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without moving violations or at-fault accidents.
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
Gap insurance not readily available, unless customer originates a loan through State Farm Bank
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
USAA
User Reviews | 4.9 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $48/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Timothy
June 10, 2025
The Old Bait and Switch
Norman
June 7, 2025
USAA Value
Cornelius
June 2, 2025
Good
USAA exclusively serves active-duty military members and veterans and their immediate families and is the fifth-largest insurance company in the U.S. by market share. USAA offers banking, investing, and retirement services in addition to numerous insurance products, including auto, homeowners, renters, and more.
Auto policyholders can qualify for discounts for bundling, insuring multiple vehicles, and living on a military base. AM Best gives USAA an A++ (Superior) financial strength rating, and the insurer ranked best in most regions in J.D. Power’s 2024 U.S. Auto Insurance Study
High customer satisfaction
Low premiums
SafePilot program rewards good driving with a discount of up to 30%
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
Customer reviews are mixed for service and claims processing
GEICO
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $127/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $155/mo |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
William
June 10, 2025
There was no problem. If I had a problem or a question, it was rectified. Howard, who was our service representative, was helpful. My son is the reason I don't have it now.
Peter
June 8, 2025
Average Insurance. Constant Price Hikes.
Philip
June 5, 2025
High Price for Full Coverage
GEICO, a subsidiary of Berkshire Hathaway, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products.
The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints than expected for a company of its size.
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
A+ (Superior) financial strength rating from AM Best
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Lower customer satisfaction scores from J.D. Power
Average cost of Mercedes-Benz insurance by state
Mercedes-Benz insurance costs can vary greatly by state. Check out how much drivers pay for coverage in different states across all Mercedes-Benz models.
Full-Coverage Rates by State
State | Average Monthly Quote: Full Coverage |
---|---|
Alabama | $172 |
Arizona | $210 |
Arkansas | $309 |
California | $291 |
Colorado | $265 |
Connecticut | $403 |
Delaware | $297 |
Florida | $277 |
Georgia | $300 |
Idaho | $151 |
Illinois | $205 |
Indiana | $174 |
Iowa | $146 |
Kansas | $199 |
Kentucky | $261 |
Louisiana | $267 |
Maine | $181 |
Maryland | $408 |
Massachusetts | $215 |
Michigan | $333 |
Minnesota | $235 |
Mississippi | $250 |
Missouri | $233 |
Montana | $200 |
Nebraska | $211 |
Nevada | $338 |
New Hampshire | $136 |
New Jersey | $215 |
New Mexico | $191 |
New York | $568 |
North Carolina | $113 |
North Dakota | $166 |
Ohio | $156 |
Oklahoma | $215 |
Oregon | $194 |
Pennsylvania | $208 |
$178 | |
South Carolina | $325 |
South Dakota | $156 |
Tennessee | $180 |
Texas | $284 |
Utah | $221 |
Vermont | $183 |
Virginia | $232 |
Washington | $192 |
District of Columbia | $414 |
West Virginia | $189 |
Wisconsin | $159 |
Wyoming | $143 |
Source: Alaska and Hawaii omitted due to insufficient data.
How to ensure you have enough coverage on your Mercedes-Benz
Finding the right insurance coverage usually depends on what state you live in, whether you’re financing your car, and how much protection you want for your vehicle.
Most Mercedes-Benz drivers will need to purchase some of the following coverage options, at a minimum:[3]
Collision coverage
If you get into an accident, collision coverage will pay to repair your vehicle from an at-fault accident with another vehicle or stationary object, like a tree or light pole. It also covers rollover accidents and pothole damage. Lenders also require it as part of a full-coverage policy if you have an auto loan or lease.
Comprehensive coverage
Comprehensive coverage pays for damage from non-collision incidents, such as theft, vandalism, fire, severe weather events, wildfire collisions, and cracked windshields.
Bodily injury liability coverage
Even safe drivers can injure someone, and bodily injury liability coverage ensures you can pay the medical bills for injuries you cause. Most states set a minimum level of liability insurance you’ll need to purchase to drive legally.
Property damage liability coverage
Similar to bodily injury liability, property damage liability coverage pays to repair or replace any property that you happen to damage while you’re driving. It’s legally required in all states (except New Hampshire) and Washington, D.C.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage will pay for your medical bills and associated expenses if you get injured in an accident that an uninsured or underinsured driver causes.
Mercedes-Benz car insurance FAQs
Car insurance is usually one of the most expensive aspects of driving a Mercedes-Benz car, in addition to ownership expenses like loan or lease payments. Below, you’ll find answers to some of the most commonly asked questions about Mercedes-Benz car insurance.
USAA and GEICO offer the cheapest Mercedes-Benz insurance rates for a full-coverage policy for most models, according to Insurify data. Your actual rates may be more or less than average based on numerous individual rating factors, including your driving record, age, gender, location, claims history, and credit-based insurance score.
Yes. The average Mercedes-Benz insurance cost is higher than the national average for a liability-only policy and a full-coverage policy due to the high-end nature of these cars.
The average monthly car insurance cost for Mercedes C-Class cars is $129 per month for liability-only coverage and $242 for full coverage.
The average annual premium for Mercedes-Benz cars is $1,500 for a liability-only policy and $2,820 for a full-coverage policy.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Institute for Highway Safety. "2025 Mercedes-Benz C-Class."
- Mercedes-Benz USA. "All Vehicles."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
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Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Lindsay has been a contributor at Insurify since October 2022.
)
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.