Compare quotes for Mercedes-Benz car insurance cost, 2022
Compare quotes for Mercedes-Benz car insurance cost, 2022
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The average cost of Mercedes-Benz car insurance is $3,501 per year. The price of your Mercedes-Benz insurance will vary depending on your specific model, driving record, location—and, most importantly, your insurance company.
No auto insurance company will have the best rates for every single Mercedes-Benz owner. For instance, a driver with a 2013 GLA 250 and a pristine driving history will need a different policy from someone with a brand new GLS and three tickets. In fact, both of these drivers will receive different quotes based on their individual factors. But what about finding cheap car insurance for your ride?
The answer is Jerry, the licensed insurance broker and super app for car owners. When you use Jerry to shop for coverage, you’ll get the best rates for whatever coverage level you need. Jerry’s here to outline the factors that go into your Mercedes-Benz insurance costs—and we’ll offer a few tips to help you find the best rates.
How much does Mercedes-Benz car insurance cost?
The annual cost of car insurance coverage for a Mercedes-Benz vehicle averages to be $3,501, but premiums for Mercedes drivers will differ depending on a handful of details, like your Mercedes model, driving history, coverage limits, and location.
As with most luxury makes, Mercedes-Benz insurance can be a bit pricey. That’s because Mercedes-Benz vehicles have a higher market value, making them more expensive to repair and replace.
Keep in mind these costs are average—they don’t consider the specifics of your Mercedes-Benz. If you’re driving an older model or have custom upgrades, replacement parts will be harder to hunt down, leading to higher average rates. On the other hand, having more safety features on your Mercedes-Benz could reduce your rates.
There’s only one way to know you’re getting the best rates on Mercedes-Benz insurance, and that’s comparing as many quotes from different companies as you can. To save yourself the headache, you can let Jerry do it for you. Jerry will gather rates from over 55 insurance providers within 45 seconds—and your quotes are personalized for your needs.
How much insurance do you need for a Mercedes-Benz?
The amount of coverage you’ll need is based on several factors, like the state your Mercedes-Benz is registered in and how old it is.
At the very least, you’ll need to lock down your state’s minimum required car insurance, which generally includes liability coverage—both bodily injury liability and property damage liability. With these coverages in place, you won’t have to cover the other driver’s bills if you cause a car accident.
Some states require additional coverage, including some or all of the following options:
- Uninsured/underinsured motorist coverage: Ensures you don’t have to cover 100% of your bills if you’re in a collision with a driver without enough liability to cover them
- Personal injury protection (PIP): Takes care of medical expenses (plus rehabilitation and funeral costs) for you and your passengers. This is mandatory in no-fault states.
- Medical payments (MedPay) coverage: Covers a fraction of medical expenses for you and your passengers
Even when you’ve secured your state’s minimum coverage, though, you may still need more protection. Liability may be sufficient if you’re rolling in a 20-year-old Mercedes-Benz; otherwise, you’ll probably want to add collision and comprehensive coverage, also called a “full-coverage car insurance policy.”
With a full-coverage policy in place, your Benz will be covered in the case of accidents, vandalism, weather, theft, and more. This coverage is highly recommended by most providers, and it may even be a requirement from your lender if you’re financing your Mercedes. They’re also likely to require gap insurance, which covers the difference between the value of your car and the amount left on your auto loan if your car is totaled in an accident.
Mercedes-Benz car insurance rates by model
The model of your Mercedes-Benz is a major factor for determining your insurance costs. Generally, if you have a more affordable model, like the Mercedes GLA 250, it will be cheaper to insure. On the other hand, more expensive models like the hybrid AMG GLE 53 4matic or S 500 will be much pricier to cover.
It’s not always so straightforward, though. Let’s go through the average annual premiums for some of the more popular Mercedes-Benz models.
How much does Mercedes-Benz C-Class insurance cost?
The Mercedes C-Class sedan is a chic-yet-practical model with plenty of power to go around. The C-Class earned top safety ratings and is stacked with safety features, which could earn you lower premiums on your Benz insurance.
The table below will show you how C-Class premiums differ among coverage options and model years.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2016 Mercedes-Benz C 300 | $2,089 | $1,738 |
| 2015 Mercedes-Benz C 300 | $4,466 | $1,490 |
| 2011 Mercedes-Benz C 300 | $2,727 | $2,289 |
| 2010 Mercedes-Benz C 300 | $1,984 | $3,069 |
| 2009 Mercedes-Benz C 300 | $3,140 | $943 |
For more information, check out our in-depth guide to Mercedes-Benz C-Class insurance costs!
How much does Mercedes-Benz GLC-Class insurance cost?
Insurance for SUVs can often be more expensive than for sedans, but the GLC-Class tends to have average insurance rates for Mercedes-Benz car models. That—plus its luxurious looks and more affordable price—make it one of Mercedes’ most popular SUVs.
The table below gives you a look at full and minimum coverage rates for GLC models across the years.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Mercedes-Benz GLC 300 | $2,528 | $984 |
| 2020 Mercedes-Benz GLC 300 | $2,556 | $2,490 |
| 2019 Mercedes-Benz GLC 300 | $4,769 | $1,279 |
| 2018 Mercedes-Benz GLC 300 | $4,202 | $1,640 |
| 2017 Mercedes-Benz GLC 300 | $2,944 | $1,936 |
For more information, check out our in-depth guide to Mercedes-Benz GLC insurance costs!
How much does Mercedes-Benz A-Class insurance cost?
The popular Mercedes-Benz A-Class is an efficient and economical sedan, and it’s one of the most affordable Mercedes models to insure. While the A-Class got the axe after the 2022 model year, it continues to be a stylish and affordable piece of the legendary Mercedes brand.
Here’s how the average annual premiums stack up for A-Class owners.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Mercedes-Benz A 220 | $2,528 | $984 |
| 2020 Mercedes-Benz A 220 | $2,556 | $2,490 |
| 2019 Mercedes-Benz A 220 | $4,769 | $1,279 |
| 2018 Mercedes-Benz A 220 | $4,202 | $1,640 |
| 2017 Mercedes-Benz A 220 | $2,944 | $1,936 |
For more information, check out our in-depth guide to Mercedes-Benz A-Class insurance costs!
How much does Mercedes-Benz E-Class insurance cost?
The Mercedes-Benz E-Class is another elegant sedan with top safety ratings and high-tech driver-assistance features. Even so, the E-Class was built for refinement and speed, making it more expensive to insure.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Mercedes-Benz E 300 | $2,528 | $984 |
| 2020 Mercedes-Benz E 300 | $2,556 | $2,490 |
| 2019 Mercedes-Benz E 300 | $4,769 | $1,279 |
| 2018 Mercedes-Benz E 300 | $4,202 | $1,640 |
| 2017 Mercedes-Benz E 300 | $2,944 | $1,936 |
For more information, check out our in-depth guide to Mercedes-Benz E-Class insurance costs!
How much does Mercedes-Benz CLS-class insurance cost?
The Mercedes-Benz CLS-class is a deluxe sedan posing as a sporty coupe—but it definitely gets the job done. As a higher-end sedan in the Mercedes lineup, however, it often costs more than average to insure.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Mercedes-Benz CLS 550 | $2,528 | $984 |
| 2020 Mercedes-Benz CLS 550 | $2,556 | $2,490 |
| 2019 Mercedes-Benz CLS 550 | $4,769 | $1,279 |
| 2018 Mercedes-Benz CLS 550 | $4,202 | $1,640 |
| 2017 Mercedes-Benz CLS 550 | $2,944 | $1,936 |
For more information, check out our in-depth guide to Mercedes-Benz CLS-class insurance costs!
Compare Mercedes-Benz car insurance quotes
Hunting down the best car insurance quotes used to mean making dozens of phone calls and waiting on hold for hours. Thankfully, we can now search for quotes online—but using Jerry to search for quotes means your options are customized to fit your needs to a tee.
It’s simple: just download the Jerry app, and you’ll receive free quotes from top Mercedes-Benz insurance companies in less than a minute. Since Jerry’s also a licensed broker, you can rest easy knowing your quotes are the best options.
Wondering what kind of Mercedes-Benz insurance quotes you could qualify for? Check out the table below for what customers are paying with Jerry—and what they’re saying about their experience!
| Quote Date | Car | Location | Zip Code | Name | Age | Carrier | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|---|---|
| September 7, 2022 | Mercedes-Benz C 300 4Matic | Denver, CO | 80249 | Timothy P. | 26 | Progressive | $300/mo. | $171/mo. |
| September 5, 2022 | Mercedes-Benz Cls 500C | Houston, TX | 77004 | Chester B. | 28 | National General | $253/mo. | $196/mo. |
| September 7, 2022 | Mercedes-Benz C 350 | Beaverton, OR | 97005 | Duane H. | 29 | Dairyland | $585/mo. | $238/mo. |
| September 22, 2022 | Mercedes-Benz C 300 4Matic | Pottstown, PA | 19464 | Russell R. | 24 | Progressive | $300/mo. | $271/mo. |
| September 19, 2022 | Mercedes-Benz E 43 4Matic Amg | Denver, CO | 80249 | Marguerite N. | 32 | Progressive | $297/mo. | $291/mo. |
Best car insurance companies for your Mercedes-Benz
Some of the best rates for Mercedes-Benz drivers come from companies like Progressive, State Farm, and GEICO—but none of these will offer the greatest rates for all Mercedes owners.
Each insurance provider uses its own algorithm to determine the cost of insurance premiums, so there isn’t a single company that’s right for everyone. For instance, one company might offer more discounts you qualify for while another has cheaper deductibles.
There’s only one way to figure out which company offers the best prices to insure your Mercedes-Benz, and that’s comparing as many rates as possible. To save yourself the hassle, let Jerry do the work for you. Jerry will compare up-to-date quotes from over 55 reputable companies in just 45 seconds.
The table below gives you a look at quotes from different providers for Mercedes-Benz vehicles as well as the savings you could find with Jerry!
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Kemper | $3,276 | $1,327 | Compare Prices |
| Dairyland | $3,389 | $1,226 | Compare Prices |
| National General | $3,379 | $1,176 | Compare Prices |
| Safeco | $3,383 | $1,070 | Compare Prices |
| Allstate | $3,499 | $1,036 | Compare Prices |
| Progressive | $3,249 | $1,030 | Compare Prices |
| Clearcover | $3,077 | $975 | Compare Prices |
| Travelers | $3,305 | $926 | Compare Prices |
| State Auto | $2,957 | $886 | Compare Prices |
| Nationwide | $2,961 | $842 | Compare Prices |
Mercedes-Benz auto insurance cost by driving record
Your Mercedes-Benz model does play a big role in your insurance premiums, but your driving record is another huge component.
If you’re a safe driver, you’ll pay less for car insurance—easy peasy. On the other hand, Mercedes-Benz drivers with a DUI conviction will pay around $3,501 more each year for coverage. Even a single violation could lead to increased rates, and getting just one speeding ticket can add an average of $3,501 to your yearly premium costs!
Using the table below, you can figure out how much you could save on your Mercedes-Benz insurance by driving more cautiously.
Mercedes-Benz car insurance cost by location
Another key variable in your rates is where you live. Your insurance rates will differ drastically depending on your location, and each state has different average premiums. Mercedes-Benz owners living in Florida will be paying a very different rate from those living in North Dakota.
The table below outlines how your rates will compare to your state’s average costs.
| City | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Atlanta | $3,420 | $1,048 | Compare Prices |
| Brooklyn | $5,534 | $1,384 | Compare Prices |
| Charlotte | $2,772 | $965 | Compare Prices |
| Dallas | $2,720 | $705 | Compare Prices |
| Great Mills | $2,500 | $978 | Compare Prices |
| Houston | $2,896 | $857 | Compare Prices |
| Los Angeles | $4,313 | $1,572 | Compare Prices |
| Phoenix | $2,717 | $905 | Compare Prices |
| Richmond Hill | $5,292 | $1,330 | Compare Prices |
| Smyrna | $3,720 | $1,118 | Compare Prices |
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