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Cheapest Mercedes-Benz Car Insurance (Jul 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Mercedes-Benz.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Mercedes-Benz car insurance cost? 

Famed for superior engineering, luxurious comfort, and cutting-edge technology, Mercedes-Benz continues to set the gold standard in the world of quality automobiles. With a diverse lineup ranging from eco-friendly hybrids to commanding SUVs and high-performance sports cars, each vehicle is meticulously crafted to deliver an unparalleled driving experience.
On average, Mercedes-Benz drivers can expect to pay approximately $1,200 per year for their
auto insurance
coverage. While the allure of driving a Mercedes-Benz is undeniable, it's essential to take into account the costs of car insurance. When compared to the national average, insuring a Mercedes-Benz tends to be 16% more.
It's important to note that this average cost can vary based on factors such as the model year, vehicle type, and location. Insurance quotes are personalized, and there is no one-size-fits-all rate.

How to find the cheapest Mercedes-Benz Car Insurance Quotes

Fortunately, there are resources available to help you secure competitive
car insurance quotes
without straining your budget. Jerry, a trusted app and licensed insurance broker, has assisted 12860 Mercedes-Benz owners in saving an average of $3,203 on their auto insurance.
DateCarInsurance CompanyPremium (monthly)Customer DetailsInsurance coverage
July 24, 2024
Mercedes-Benz C 250
Clearcover
$185
• 50,000/100,000 Liability
• Comp / Collision
July 22, 2024
Mercedes-Benz C 350National General
$437
• 100,000/300,000 Liability
July 20, 2024
Mercedes-Benz C 300 4maticState Auto
$217
• State Minimum Liability
• Comp / Collision
July 12, 2024
Mercedes-Benz E 350Allstate
$180
• State Minimum Liability
• Comp / Collision
July 8, 2024
Mercedes-Benz C 300Nationwide
$124
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 24, 2024

Best car insurance companies for Mercedes-Benz drivers

When
shopping for car insurance
, it's important to find the perfect match for both you and your Mercedes-Benz by comparing a wide range of insurance providers.
As there isn't a singular best insurance company for all Mercedes-Benz drivers, the best choice for you will depend on various factors such as your driving record, location, insurance history, age, and the specific vehicle you own. In order to assist individuals in comparing car insurance companies, Jerry conducted an extensive nationwide survey.
Discover how different insurance companies have been rated by Mercedes-Benz drivers below.

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
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We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Dairyland
I bought car insurance from Dairyland this month. They seem great so far.
Callissa
Safeco
Jerry has made it easy and Safeco has made it safe!
Grant
Progressive
Love the low prices!!!
Jacob
Progressive
A+ service
Colleen

Are Mercedes-Benz cars more expensive to insure?

When it comes to insuring a Mercedes-Benz vehicle, the cost is typically 16% more compared to the average cost of other cars. 
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost
Buick
$86
$172
Chevrolet
$92
$174
Dodge
$95
$189
Nissan
$98
$185
Mercedes-Benz
$100
$208

Cheapest Mercedes-Benz to insure

On average, the insurance cost for Mercedes-Benz vehicles can vary depending on factors such as model, year, and trim level. For instance, the 2017 Mercedes-Benz S is considered one of the most affordable Mercedes-Benz models to insure. It has an average monthly premium of $29 for state minimum coverage and around $246 for full coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2017 Mercedes-Benz S
$88
$246
2014 Mercedes-Benz GL
$88
$191
2012 Mercedes-Benz Sprinter
$88
$174
2021 Mercedes-Benz Mercedes Benz GLA
$88
$190
2021 Mercedes-Benz GLC
$88
$186

Most expensive Mercedes-Benz to insure

When it comes to insurance costs for Mercedes-Benz vehicles, some models tend to be more expensive to insure. For instance, the 2020 Mercedes-Benz CLA is considered the priciest Mercedes-Benz model to insure, with an average monthly premium of $162 for state minimum coverage and around $233 for full coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2020 Mercedes-Benz CLA
$162
$233
2013 Mercedes-Benz S
$152
$276
2022 Mercedes-Benz GLE
$149
$200
2021 Mercedes-Benz GLB
$144
$243
2018 Mercedes-Benz CLA
$141
$236
Keep in mind that insurance costs are impacted by various factors, including driving history, location, and more. To obtain the most accurate and personalized information for your specific needs, stick to shopping for personalized insurance quotes rather than relying solely on average rates. 

What factors affect Mercedes-Benz insurance rates?

Several aspects come into play when insurance companies
calculate car insurance premiums
for Mercedes-Benz vehicles, including:
  • Vehicle cost: Mercedes-Benz vehicles, known for their luxury and high-performance characteristics, often carry higher insurance costs for collision and comprehensive coverage due to their higher market value and advanced features.
  • Vehicle age: Newer models, particularly those equipped with cutting-edge technology and lower depreciation, may result in higher insurance premiums compared to their older counterparts.
  • Cost of parts: Cars with expensive or hard-to-find parts may have higher replacement and repair costs, thereby posing greater risks for insurance companies and subsequently increasing insurance costs.
  • Your age: Younger drivers, usually under the age of 25, frequently face higher insurance rates due to their limited driving experience. Similarly, senior drivers aged 70 and above may also see a rise in their insurance rates.
  • Credit score: Personal factors such as your credit score can influence your insurance rate. Typically, a higher credit score correlates with lower insurance premiums.
  • Your driving record and claims history: Insurers generally offer lower rates to drivers with a clean record. If you have a history of car accidents, traffic tickets, and driving violations, you can expect higher rates.
  • Location: Insurance costs can fluctuate depending on where you park your car, as variables such as road conditions, population density, theft rates, and other risk factors vary from one zip code to another.
In addition to these general factors, there are a few Mercedes-Benz-specific considerations that may impact the cost of insurance:
  • Imports: As Mercedes-Benz vehicles are imported, they might have higher replacement costs compared to domestic models, thus impacting insurance rates.
  • Safety: Mercedes-Benz is renowned for its commitment to safety, often scoring high safety ratings across its vehicle lineup. This focus on safety can positively impact insurance costs.
  • Reliability: Mercedes-Benz cars are recognized for their reliability and longevity. A lower rate of claims for these vehicles can potentially lead to more reasonable insurance rates.
  • Availability: Although Mercedes-Benz is a premium brand, its popularity ensures that parts are widely available. This availability of affordable replacement parts can contribute to keeping insurance rates more reasonable for some models. 

Mercedes-Benz insurance cost for young drivers

Teen drivers
ages 16 to 19 face the highest insurance rates among all driver age groups. For young drivers who own a Mercedes-Benz, securing a full coverage policy is necessary due to their higher accident rates compared to more experienced drivers, which can lead to high auto insurance rates.

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Bruce (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carMercedes-Benz C 300 4matic
$210
per month
card cover
Michael (18 years old)
coverageCoverage
State Minimum
carMercedes-Benz E 350
$369
per month
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Jorge (19 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carMercedes-Benz C 240 4matic
$217
per month
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Ora (24 years old)
coverageCoverage
State Minimum
carMercedes-Benz E 350
$180
per month
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Clayton (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carMercedes-Benz ML 350 4matic
$209
per month

Mercedes-Benz insurance cost for senior drivers

As drivers enter their mid-70s, car insurance rates tend to rise. Senior drivers are considered more vulnerable to accidents, leading to higher insurance costs. Additionally, the potential for severe injuries in the event of a collision results in significant medical expenses, contributing to higher
car insurance rates for seniors
.

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Theresa (65 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carMercedes-Benz GLK 350
$150
per month
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Alan (73 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carMercedes-Benz C 300
$436
per month
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Lucile (68 years old)
coverageCoverage
State Minimum
locationTaylorsville, KY
carMercedes-Benz E 350
$282
per month
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Calvin (66 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carMercedes-Benz C 300
$248
per month
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Pearl (65 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carMercedes-Benz S 430 4matic
$149
per month

Mercedes-Benz insurance cost for drivers with driving violations 

Insurance costs for Mercedes-Benz vehicles also depend on your driving record. Mercedes-Benz drivers without violations or at-fault accidents enjoy the lowest rates. However, if you have any of the following on your record within the last three to five years, you may face rising premiums:
  • Speeding tickets
  • DUIs
  • At-fault accidents
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Mercedes-Benz drivers with speeding ticket

While a single ticket for minor speeding may have little to no impact on your Mercedes-Benz insurance premiums, multiple tickets or a serious speeding offense could increase your rates. Jerry takes pride in assisting Mercedes-Benz drivers with various types of speeding tickets so that they can find
the most affordable car insurance options
possible. 

Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
Mercedes-Benz GLK 350Allstate
$154
• State Minimum Liability
• Comp / Collision
Speeding 6-10
Mercedes-Benz GLA 250Safeco
$210
• State Minimum Liability
• Comp / Collision
Speeding 11-15
Mercedes-Benz GLA 250 4maticPlymouth Rock
$445
• 100,000/300,000 Liability
• Comp / Collision
Speeding 16-20
Mercedes-Benz E 350
Gainsco
$251
• State Minimum Liability
coverageLast Updated Jul 25, 2024

Cheapest car insurance for Mercedes-Benz drivers with a DUI record

Although
a DUI conviction
is a serious offense, different insurers assess this violation differently, leading to significant variations in car insurance rates. To ensure you secure the best deal, it's important to compare quotes from multiple insurers. Jerry has assisted numerous Mercedes-Benz drivers in finding affordable auto insurance options even after a DUI conviction.

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Ruby (62 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carMercedes-Benz C 300
$292
per month
card cover
Leroy (24 years old)
DUI
coverageCoverage
State Minimum
carMercedes-Benz C 300 4matic
$347
per month
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Milton (39 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationSan Jose, CA
carMercedes-Benz C 300
$71
per month
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Corey (28 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationSan Jose, CA
carMercedes-Benz C 230K Sport Sedan
$136
per month
card cover
Clearcover
Clarence (26 years old)
DUI
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
carMercedes-Benz C 300
$208
per month

Cheapest car insurance for Mercedes-Benz drivers after an accident

Your car accident and claims history plays a significant role in determining your car insurance rates. If you have recently been involved in an at-fault accident, it can result in higher insurance premiums. However, Jerry can help you save money by comparing quotes from leading insurance companies.

Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
Mercedes-Benz GLC 300Travelers
$90
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Mercedes-Benz SLK 350Safeco
$109
• 100,000/300,000 Liability
• Comp / Collision
At Fault With Injury
Mercedes-Benz CLS 400Allstate
$198
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Mercedes-Benz CLA 250 4maticAAA
$216
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
Mercedes-Benz CLA 45 AMGPlymouth Rock
$62
• 15,000/30,000 Liability
coverageLast Updated Jul 24, 2024

Cheapest car insurance for Mercedes-Benz drivers with other driving violations on their record

It's not just speeding tickets and DUIs that can lead to increased insurance rates; violations such as reckless driving and
driving on a suspended license
can have the same effect. Discover how Mercedes-Benz drivers with different violations have found savings on their insurance policies by using Jerry's services.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Mercedes-Benz E 350Progressive
$216
• 100,000/300,000 Liability
• Comp / Collision
Defective Equipment
Mercedes-Benz E 300 4maticSafeco
$200
• 100,000/300,000 Liability
• Comp / Collision
Failure to Obey Signal
Mercedes-Benz CLA 250Allstate
$383
• State Minimum Liability
Wrong Way/Wrong Lane
Mercedes-Benz C 300 4maticBristol West
$244
• 25,000/50,000 Liability
Cell Phone
Mercedes-Benz C 300 4maticPlymouth Rock
$101
• 15,000/30,000 Liability
Careless Driving
Mercedes-Benz GLA 250 4maticAAA
$496
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Mercedes-Benz E 300 4maticPlymouth Rock
$114
• 15,000/30,000 Liability
• Comp / Collision
Failure to Obey Signal
Mercedes-Benz E 300 4maticBristol West
$522
• State Minimum Liability
• Comp / Collision
Seat Belt
Mercedes-Benz E 300 4maticSafeco
$227
• State Minimum Liability
• Comp / Collision
Improper Passing
Mercedes-Benz GLC 300Nationwide
$211
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 25, 2024

How can I lower the cost of my Mercedes-Benz car insurance?

There are many ways to reduce your car insurance expenses for your Mercedes-Benz.
  • Compare quotes:
    Shopping around for insurance coverage
    allows you to find the best rate for the coverage you need. With Jerry, you can receive
    free quotes
    from top providers in under a minute and sign up for your new policy instantly.
  • Consider a smaller model: Opting for a smaller Mercedes-Benz model, such as a C-Class or A-Class, can potentially get you a better insurance deal compared to a larger and more expensive model.
  • Bundle policies:
    Bundling your home and auto insurance
    with the same company can grant you a discount on each. 
  • Explore telematics programs: Participating in a telematics program can make you eligible for car insurance discounts based on your behavior as a Mercedes motorist.
  • Adjust your coverage: If you own an older Mercedes-Benz,
    reducing your coverage
    may help reduce your insurance premium. You should consider reducing coverage if your car is worth less than 10 times your typical premium.
  • Increase your deductible: The deductible is the portion you pay upfront before your collision or comprehensive insurance coverage kicks in for a claim. Opting for a higher deductible can lead to lower monthly payments, but it's important to ensure you have the financial means to cover it if you need to file a claim.

FAQs

Mercedes-Benz cars are often more expensive for a few reasons:
  • Luxury status: Mercedes-Benz vehicles are known for their luxury features and advanced technology, which can result in higher repair costs if they are damaged in an accident.
  • Higher value: Mercedes-Benz vehicles tend to have higher market values, which can lead to increased insurance costs since the insurer would need to cover potential damages or total loss.
  • Performance capabilities: Some Mercedes-Benz models, particularly those in the AMG lineup, offer high-performance engines and advanced driving dynamics.
  • Theft risk: Luxury vehicles like Mercedes-Benz vehicles can be attractive theft targets. Their higher value and desirability can result in higher insurance premiums to account for this risk.
The cost of insuring a Mercedes C-Class can vary based on factors such as the specific model, trim level, location, driving history, and other personal circumstances. While the average insurance cost for a Mercedes C-Class is $1200 per year, it's important to remember that premiums are determined based on individual risk assessment.
The average cost of insuring a Mercedes-Benz vehicle is approximately $100 per month. Generally, insuring a Mercedes-Benz tends to be more expensive compared to other vehicles. 
It's important to remember, however, that insurance costs for a Mercedes-Benz can vary based on factors such as location, driving history, age, and the specific model you own.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.