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Mercedes-Benz A-Class insurance rates

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The Mercedes-Benz A-Class is a sedan that’s expensive to insure. The expected average cost of auto insurance for the Mercedes-Benz A-Class is $137 a month or $1,644 a year.

With a starting MSRP of $32,800, that makes the price-to-cost ratio 5%, compared to the national average of 3%. However, your actual cost may vary depending on your location, driving history, A-Class trim, options and other factors.

Insurance rates for the Mercedes-Benz A-Class are based on theft rates, vehicle performance, repair costs and other factors that vary between makes and models. Here’s how the A-Class compares to other vehicles.

  • Type of car. The Mercedes-Benz A-Class is a sedan, which tends to be cheaper to insure.
  • Theft. Theft rates for this car are low, which may lower insurance costs.
  • Repairs. Repairs for this car are average, which typically leads to average insurance premiums.
  • Safety ratings. This car has good safety ratings, which typically makes cars cheaper to insure.
  • Fuel type. Cars with gas engines are usually slightly cheaper to insure than other fuel types.
  • Trim. Generally, your insurance goes up when you opt for a pricier trim level or more features upgrades. Popular trim levels for this model include the Base trim, depending on the model year.
  • Coverage. For a sedan, you might consider a policy with your state’s required coverage with high liability limits plus collision and comprehensive coverage. And the more coverage you have, the higher your insurance rates.
  • Warranty. New A-Class come with a three years or 90,000 miles warranty from Mercedes-Benz plus roadside assistance.
  • Manufacturer deals. Find financing deals from Mercedes-Benz by checking with your local dealer.
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
The Zebra
Yes
Yes
Yes
Yes
All 50 states
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Branch
Yes
No
Yes
Yes
AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
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What discounts does the A-Class qualify for?

You could save money on car insurance for your Mercedes-Benz A-Class if it comes equipped with specific safety features.

  • Antilock brake discount
  • Antitheft discount
  • Passive restraint discount
  • Safety device discount

Mercedes-Benz A-Class safety and reliability ratings

The Mercedes-Benz A-Class scores unrated from the National Highway Traffic Safety Association (NHTSA), which means its safety is relatively unknown. However, models of this make generally have low safety ratings, which tends to drive up insurance rates. Cars with high safety ratings are usually cheaper to insure because they’re easier to repair and safer in a car crash.

About this car

Introducing the A-class, Mercedes-Benz’s small luxury sedan. The A 220 sedan starts at $33,950 and sports a 2.0-liter inline 4-turbo engine backed up by 188 horses and a 7-speed dual-clutch automatic, front-wheel drive transmission taking you from zero to 60 in a modest 6.1 seconds. The A 220 4matic has AWD and offers slightly better performance with 5.5 seconds on the zero to 60 acceleration test.

Expect a fuel economy of 25 mpg in the city and 35 mpg for highway driving, and an overall range of approximately 390 miles. Your top speed will be an estimated 145 mph.

And safety never takes a vacation with Mercedes-Benz. Some standard safety features include:

  • Blind-spot monitoring.
  • Rearview camera.
  • Forward collision warning.
  • Driver drowsiness monitoring.
  • Automated emergency braking with pedestrian detection.

Despite this suite of safety features, reviews report it lacks many standard driver-assistance features from its competitors. But drivers will have many available features to add on at cost — and stacking on Mercedes’ extras can get very pricey.

The Mercedes-Benz Intelligent Drive feature in the MBUX infotainment system can detect its environment within 500 meters to stay one step ahead of you, detecting potential road hazards including other vehicles, pedestrians, oncoming traffic, and road and traffic signs. Your car will engage the necessary safety system based on the information it receives.

Bottom line

The Mercedes-Benz A-Class is a sedan with low theft rates and average maintenance, making it expensive to insure. Compare car insurance quotes to find the best price for the coverage you need for your Mercedes-Benz A-Class.

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