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Mercedes-Benz CLS-Class insurance rates

Average CLS-Class insurance cost? $270. But style doesn’t have to mean high rates — see Geico.

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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Mercedes-Benz CLS-Class is $270.11 — or $3,241.32 annually. However, your actual costs depend on your driving history, age, ZIP and other specific factors. And some older models may cost less to insure than others depending on which safety features your vehicle has and which insurer you choose.

Model YearProgressiveGeicoState FarmFarmersAverage
2011 Mercedes-Benz CLS-Class$223.26$126.23$229.91$203.48$195.72
2016 Mercedes-Benz CLS-Class$176.42$146.43$287.88$301.77$228.13
2021 Mercedes-Benz CLS-Class$264.27$172.43$305.01$338.73$270.11

How we got these rates

Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
All 50 states and DC
Depends on provider
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.
Quinstreet -
Quinstreet -
Depends on provider
Depends on provider
Depends on provider
All 50 states
loan/lease coverage
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.

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Mercedes-Benz CLS-Class money-saving safety features

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

  • Antilock brakes
  • Stability control
  • Airbags
  • Seatbelt pretensioners
  • Antitheft system

How safe is the Mercedes-Benz CLS-Class?

The Mercedes-Benz CLS-Class has not been evaluated by the National Highway Traffic Safety Administration or the Insurance Institute for Highway Safety for safety ratings.

The Mercedes-Benz CLS-Class model for 2021 includes antilock brakes, stability control and collision prevention assist.

How does the Mercedes-Benz CLS-Class compare to other car models?

The Mercedes-Benz CLS-Class has been around since 2005 and is currently in its second generation. The large luxury car is known for its athletic handling and strong engine options. The Mercedes-Benz CLS-Class has a rear-wheel drive or all-wheel drive.

From a price standpoint, the Mercedes-Benz CLS-Class ranks right in the middle of our list of the 360 priciest car models to insure.

About this car

The Mercedes-Benz CLS 450 4matic Coupe is the only car offered in this model lineup. A business-class vehicle with clean, smooth lines, this midsize luxury sedan exudes comfort and style. And even though it doesn’t officially meet the definition of a coupe with its four-door, five-passenger seating, Mercedes justifies its title based on its higher door height compared to its smaller side-window size and sloping rear window — a common coupe body style.

The CLS features a 3.0-liter inline 6-turbo engine with mild hybrid drive, packing in a modest 362 horses and a 9-speed automatic AWD transmission. It hits 0-60 in 4.8 seconds and can reach a top speed of 155 mph. You’ll get a middle-of-the-road fuel economy of 22 mpg for city driving and 30 mpg on the highway.

Standard safety features include:

  • Blind-spot assist to warn you about vehicles when changing lanes.
  • Forward collision warning triggered if an impact is likely based on braking response time.
  • Driver attention warning alerts if you show signs of fatigue or distraction.
  • Car-to-X communication to automatically transmit and receive safety updates and hazard alerts to and from other vehicles.

The Mercedes’ CLS-class series has had numerous recalls over the years, most recently two recalls in 2019. One was for faulty software that could cause the emergency call system — eCall — to malfunction in some 2013 to 2017 models.

The other recall went out for deteriorating adhesive windshield bonding that could lead to glass detaching from the sliding roof frame, increasing the risk of a crash for specific 2001 t0 2011 models. In 2021, a similar glass-bonding issue arose for particular 2006 models.

The 2022 Mercedes-Benz CLS 450 4matic Coupe has a base price $72,950.

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