Cost of Mercedes-Benz Car Insurance (2025)

Mercedes-Benz insurance costs an average of $180 per month across all models.

Lindsay VanSomeren
Lindsay VanSomeren
  • 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

media logomedia logomedia logomedia logo
Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 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

media logomedia logomedia logomedia logo
Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • 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.

Updated

Save up to $1,025 by comparing quotes from the top 120+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates

Insurify’s drivers have found rates ranging from $38/mo. to $120/mo. in the last few days

*Quotes generated for Insurify users within the last 10 days. Last updated on May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

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.

Quick Facts
  • 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
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
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
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance for Your Mercedes-Benz

Check quotes from 120+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$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 50-plus 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 Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$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 50-plus 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 Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$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 50-plus 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 Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$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 50-plus 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 Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$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 50-plus 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 Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$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 50-plus 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 Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$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 50-plus 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 Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$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 50-plus 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 Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$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 50-plus 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 Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$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 50-plus 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

State Farm logo
User Reviews
4.2
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
4.2
Best choiceBased on 10,954 verified guest reviews and ratings
How drivers feel about State Farm

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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,948)

Sabrina

May 7, 2025

Verified Review

Friendly company

They are very responsible and have a friendly demeanor.

Merrill

May 7, 2025

Verified Review

Good experience overall

Easy to deal with but a little bit pricey. Saved money at first, but increases put the numbers up.

Pamela

May 7, 2025

Verified Review

Feel I'm being taken

I like my agent. I don't like paying for other people's mistakes. I feel as a senior I'm paying too much. No DUIs or accidents, and I'm still paying over $100 a month. I could go on...
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

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.

Pros
  • High rates of customer satisfaction

  • Rideshare insurance available

  • Savings for bundling auto with home, renters, condo, or life insurance

Cons
  • 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

USAA logo
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.
$47/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.
$98/mo
4.9
Best choiceBased on 2,029 verified guest reviews and ratings
How drivers feel about USAA

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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,164)

William

May 7, 2025

Verified Review

High monthly rate for good driving records.

The monthly rate is way too high for someone with my very good driving record. Insurance rates should not be allowed to be based on credit ratings.

Lina

May 6, 2025

Verified Review

Good Old USAA

Great and cheaper than others!

Frank

May 6, 2025

Verified Review

USAA is a Great Insurer

USAA has always been a great insurer. Currently, I feel their cost is on the high side, so I thought I'd view the competition.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

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

Pros
  • High customer satisfaction

  • Low premiums

  • SafePilot program rewards good driving with a discount of up to 30%

Cons
  • 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

GEICO logo
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 /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.
$148/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.
$178/mo
4.1
Best choiceBased on 11,760 verified guest reviews and ratings
How drivers feel about GEICO

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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,367)

Howard

May 7, 2025

Verified Review

Looking for better premiums

It seems expensive, especially when I bundle my motorcycle too.

Lisa

May 7, 2025

Verified Review

Look elsewhere

Expensive. My bill keeps going up.

Chester

May 7, 2025

Verified Review

The best price in an overpriced industry

Best price I could find by hundreds, but not cheap.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

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.

Pros
  • Good rates for good drivers, seniors, and young drivers

  • Accident forgiveness available

  • A+ (Superior) financial strength rating from AM Best

Cons
  • 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
sort ascsort desc
Average Monthly Quote: Full Coverage
sort ascsort desc
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.

Shop for Mercedes-Benz Car Insurance

Check quotes from 120+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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]

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for damage from non-collision incidents, such as theft, vandalism, fire, severe weather events, wildfire collisions, and cracked windshields.

  • illustration card https://a.storyblok.com/f/162273/150x150/c09380c3c0/car-dashboard-96x96-orange_045-airbag.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/db598219e3/damage-from-aircraft.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/0cc2b7beaf/insurify-icons-auto-gold-96x96_005-insurance.svg

    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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Institute for Highway Safety. "2025 Mercedes-Benz C-Class."
  2. Mercedes-Benz USA. "All Vehicles."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
Lindsay VanSomeren
Lindsay VanSomeren

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.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 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

media logomedia logomedia logomedia logo
Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • 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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate