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.

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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 cheap rates: Hugo

Best for financial stability: State Farm

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

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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.

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  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.

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  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.

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  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.

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  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