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Mercedes-Benz insurance rates

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Average insurance cost for a Mercedes-Benz

As a top luxury brand, Mercedes-Benz prices its vehicles at a premium, and you’ll probably pay handsomely to insure one too. The average insurance cost of a Mercedes-Benz is $208 a month, or $2,499 a year. This is higher than insuring other luxury brands like a Lexus ($2,114 a year on average) or a BMW ($2,234 a year on average).

Find your Mercedes-Benz model

Get car insurance quotes for your Mercedes-Benz car

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Assurance
Optional
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
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How a vehicle from Mercedes-Benz affects insurance costs

The pricier purchase price of a Mercedes-Benz means your insurance will be higher as well because this is a costly car to replace or repair. Other factors that insurance companies consider when determining the cost of insurance include the car’s safety rating and its likelihood of being stolen. These last two factors work in your favor to help balance out the cost of insuring one of these luxury vehicles.

Most insurers will cover the bestselling Mercedes-Benz models. However, you may have fewer options with certain models — such as the Sprinter, some AMG vehicles, vintage cars and high-priced models.

Mercedes-Benz car insurance rates by model

ModelMonthly insurance rateBase car price
AMG GT$220.00$111,200
B250e$220.00$39,900
C-Class$220.00$39,500
CLA-Class$152.00$32,400
CLS-Class$152.00$74,850
E-Class$220.00$52,150
G-Class$220.00$122,400
GLA-Class$227.00$32,850
GLC-Class$220.00$39,150
GLE-Class$227.00$52,000
GLS-Class$227.00$67,050
Metris$220$25,995
S-Class$229$96,600
SL-Class$140$86,950
SLC-Class$220$47,950
Sprinter$227$32,495

Pros and cons of insuring a Mercedes-Benz

Pros

  • Good safety ratings
  • Not commonly targeted by thieves

Cons

  • Costly to repair or replace
  • More than basic coverage is recommended

About the Mercedes-Benz brand

Mercedes-Benz traces its origins to the 19th century, when Carl Benz created the first automobile — the “Motorwagen” — in 1886. In the same year, Gottlieb Daimler and Wilhelm Maybach constructed a petrol-powered stagecoach. The Mercedes-Benz brand was conceived decades later in 1926, through a merger of the companies founded by Daimler and Benz.

Over almost a century, Mercedes-Benz would craft coveted luxury cars and distribute them around the world. In 1963, the large and luxurious Mercedes-Benz 600 put the company in competition with the likes of Rolls-Royce, Bentley and Cadillac. The elegant and well-equipped S-Class collection arrived in the 1970s. And a collaboration with AMG in the 1990s infused Mercedes-Benz models with racecar-like performance improvements.

Today, Mercedes-Benz jostles with BMW, Audi and Lexus for the crown of bestselling luxury brand in the world. It’s the top-selling luxury marque in the United States, buoyed by the popular C-Class, GLE-Class and E-Class models.

Are there any standout Mercedes models?

One of Mercedes’ most luxurious vehicles, the Maybach is the ultimate in comfort. Options include ambient lighting; heated, ventilated and massaging seats; calf rests; and even folding tables for the rear seats. And its distinguished design extends to the vehicle’s performance. Advanced chassis technology, all-wheel drive and a 4.0L biturbo V8 engine make for a powerful, smooth ride.

Prices start at $168,600.

What’s the Mercedes Me program?

Mercedes me allows drivers to access all of their car’s info and suite of connected services, all in one place. Registered users can view their maintenance plan, view manuals and how-to videos, connect to a vehicle-tech expert and more. With the Mercedes me app you can start your engine remotely, lock and unlock the doors and sync with Google Home and Amazon’s Alexa.

Mercedes-Benz car facts

  • Buying a Mercedes-Benz isn’t cheap. At the bottom of the manufacturer’s price range, the entry-level coupe will set you back at least $32,700. And you’ll shell out at least $33,400 for the GLA subcompact SUV. At the upper end, you’ll find options like the AMG GT ($112,400 MSRP) and the Maybach ($168,600 MSRP).
  • For the price you’ll pay, you’ll enjoy a highly secure ride. Mercedes-Benz models score impeccable safety ratings from the Insurance Institute for Highway Safety (IIHS). Many models have received IIHS’ Top Safety Pick+ designation.
  • Mercedes-Benz vehicles are targeted relatively infrequently by car thieves, which tempers insurance costs.
  • You may want more than just minimum liability coverage for your Mercedes-Benz, expanding your protection through an umbrella policy and comprehensive coverage.

Compare Mercedes-Benz competitors

Need help considering some other car manufacturers? Compare all car makes

Bottom line

Mercedes aren’t cheap, and neither is the insurance to cover one, so be sure to shop around to find the best car insurance for you.

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