Cost of Mercedes-Benz Car Insurance (2024)

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, costing an average of more than $76,000 across all Mercedes-Benz models in 2023.^[1]

You can expect to spend $123 per month for liability coverage and $284 for full coverage across all Mercedes models. Your exact cost of insurance will likely be higher or lower, however, depending on a variety of factors.

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 how much you can expect to pay for full coverage for different Mercedes models, according to data from Insurify:

Cheapest Mercedes-Benz insurance by model

Car insurance costs depend on various 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.

Mercedes-Benz GLE-Class

This model is popular with people with a penchant for luxury manufacturer logos and status symbols. 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.

Mercedes-Benz GLB-Class

This model offers a unique boxy profile and starts at an MSRP of $39,800. With relatively affordable rates among average Mercedes-Benz drivers, it’s still possible to find even lower insurance rates with other insurance companies.

Mercedes-Benz GLA-Class

The Mercedes-Benz GLA-Class offers the brand’s most affordable SUV, with a starting price of $37,500. Even with its relatively low price, this is still a high-end car worthy of its own luxury car insurance.^[2]

Mercedes-Benz GLC-Class

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 $47,100.^[2]

Mercedes-Benz E-Class

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.^[2] These new cars offer smart features like the ability to talk to others nearby to gain insight into dangers coming up, like vehicle crashes.

Mercedes-Benz S-Class

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 V8 4.0L engine size and can go from zero to 60 in just 4.4 seconds, for example.^[2]

These features result in higher insurance costs, however, as it’s one of the most expensive models to insure.

Mercedes-Benz CLA-Class

The Mercedes CLA is one of the least expensive models this luxury vehicle manufacturer offers, with a starting price of $39,350.^[2] Despite being relatively affordable as luxury cars go, insurance premiums are a bit on the high side for this model.

Mercedes-Benz C-Class

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 2023.^[3]

While the C-Class is one of the most affordable sedans that Mercedes-Benz offers, with a starting price of $44,850, it’s the most expensive to insure.^[2]

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 three good options to start with:

Best for financial stability: State Farm

Financial Stability

Compare Quotes

User Reviews	4.2 5,080 reviews
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.	$54/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.	$119/mo

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Driver Reviews

4.2

Best choiceBased on 9,243 verified guest reviews and ratings

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

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

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (5,080)

Al

December 19, 2024

Verified Review

My Opinion

Way too high premium.

Agnes

December 19, 2024

Verified Review

Best Insurance Company

I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.

Gabriel

December 18, 2024

Verified Review

My Experience with State Farm

Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.

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Our Advice

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 ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction 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 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

• No gap insurance offering

• May not be the cheapest choice for drivers with violations

• Accident forgiveness limited to longtime customers with clean driving records

Best for military members, veterans, and their families: USAA

Military Members, Veterans, and Their Families

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User Reviews	4.9 940 reviews
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.	$45/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

Show Details

Driver Reviews

4.9

Best choiceBased on 1,646 verified guest reviews and ratings

How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

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

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (940)

Arlington

December 18, 2024

Verified Review

Mediocre

It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.

Peter

December 18, 2024

Verified Review

Not Happy with USAA

They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.

Donna

December 17, 2024

Verified Review

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.

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Our Advice

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 current and former members of the military and their immediate families and is still the seventh-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 Overall Customer Satisfaction Index.

Pros

• High customer satisfaction

• Low premiums

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

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

Shop for Mercedes-Benz Car Insurance

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Mercedes-Benz car insurance coverages

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 own vehicle.

Most Mercedes-Benz drivers will need to purchase some of the following coverage options, at a minimum:

• 

  Collision coverage

  If you get into an accident, collision coverage will pay to repair your car even if you’re at fault for the damage. Lenders often require it as part of a full-coverage car insurance policy.

• 

  Comprehensive coverage

  Comprehensive coverage helps pay for damage from non-accident sources like floods and storms, as well as wildlife collisions. It’s also included in a full-coverage auto insurance policy.

• 

  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 also often legally required in many states.

• 

  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