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Mercedes insurance cost

Find your Mercedes Benz to see insurance rates. It pays to compare value for coverage across insurers.

We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Mercedes can range from $130.46 to $477.74 — or between $1565.52 and $5,732.88 annually. However, your actual costs depend on your driving history, vehicle model and year, ZIP, plus other factors. And some older models may cost less to insure than others, depending on your vehicle’s safety features and which insurer you choose.

Model YearProgressiveGeicoState FarmFarmersAverage
2016 Mercedes-Benz AMG GT$207.43$273.54$406.88$569.98$364.46
2021 Mercedes-Benz AMG GT$370.62$365.53$332.19$628.28$424.16
2014 Mercedes-Benz B250e$150.08$112.36$209.66$163.28$158.85
2016 Mercedes-Benz B250e$173.09$136.66$212.34$256.72$194.70
2017 Mercedes-Benz B250e$169.92$154.88$215.03$188.83$182.17
2011 Mercedes-Benz C Class$144.08$117.21$202.43$290.98$188.68
2016 Mercedes-Benz C Class$140.25$127.94$225.87$305.28$199.84
2021 Mercedes-Benz C Class$164.08$150.48$262.24$349.35$231.54
2014 Mercedes-Benz CLA-Class$119.57$156.35$208.27$237.50$180.42
2016 Mercedes-Benz CLA-Class$128.58$185.43$225.37$217.57$189.24
2021 Mercedes-Benz CLA-Class$149.25$226.25$292.25$252.57$230.08
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
2011 Mercedes-Benz E-Class$153.58$126.23$199.42$222.95$175.55
2016 Mercedes-Benz E-Class$175.92$146.43$256.88$230.83$202.52
2021 Mercedes-Benz E-Class$226.60$172.43$284.01$263.47$236.63
2011 Mercedes-Benz G-Class$143.75$151.81$247.78$347.13$222.62
2016 Mercedes-Benz G-Class$168.42$210.55$310.60$372.28$265.46
2021 Mercedes-Benz G-Class$199.59$250.74$405.24$415.93$317.88
2015 Mercedes-Benz GLA-Class$123.91$109.49$180.87$191.72$151.50
2016 Mercedes-Benz GLA-Class$135.08$116.19$170.88$198.67$155.21
2021 Mercedes-Benz GLA-Class$118.24$134.63$238.13$235.40$181.60
2016 Mercedes-Benz GLC-Class$135.08$114.28$179.58$188.57$154.38
2021 Mercedes-Benz GLC-Class$118.24$149.26$267.15$217.82$188.12
2011 Mercedes-Benz GLE-Class$121.24$184.46$175.05$160.25
2016 Mercedes-Benz GLE-Class$150.08$126.59$247.43$183.35$176.86
2021 Mercedes-Benz GLE-Class$192.26$144.74$249.80$210.83$199.41
2011 Mercedes-Benz GLS-Class$131.08$123.16$207.49$201.25$165.75
2016 Mercedes-Benz GLS-Class$146.58$152.13$247.43$210.80$189.24
2021 Mercedes-Benz GLS-Class$127.91$184.96$304.44$216.75$208.52
2016 Mercedes-Benz Metris$95.40$103.66$183.20$139.58$130.46
2021 Mercedes-Benz Metris$255.43$111.98$207.45$165.23$185.02
2018 Mercedes-Maybach S 650 Cabriolet$464.21$437.68$450.95
2020 Mercedes-Maybach S 650 Cabriolet$499.86$455.62$477.74
2011 Mercedes-Benz S-Class$208.93$156.11$254.78$251.00$217.71
2016 Mercedes-Benz S-Class$240.77$203.18$331.05$416.08$297.77
2021 Mercedes-Benz S-Class$374.46$207.27$463.47$457.30$375.63
2011 Mercedes-Benz SL-Class$183.09$150.08$257.41$580.42$292.75
2016 Mercedes-Benz SL-Class$184.75$173.09$300.89$600.30$314.76
2020 Mercedes-Benz SL-Class$259.77$169.92$346.50$651.78$356.99
2011 Mercedes-Benz SLC-Class$141.91$112.49$165.84$174.17$148.60
2016 Mercedes-Benz SLC-Class$137.91$138.78$220.39$190.83$171.98
2020 Mercedes-Benz SLC-Class$189.92$155.91$263.49$190.83$200.04
2011 Mercedes-Benz Sprinter$114.41$85.41$168.34$262.37$157.63
2016 Mercedes-Benz Sprinter$101.40$101.94$200.09$285.05$172.12
2021 Mercedes-Benz Sprinter$150.41$114.36$247.53$330.68$210.75

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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

Your rates may differ based on specific details such as your age, location, job type, annual mileage and more.

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 specific models — such as the Sprinter, some AMG vehicles, vintage cars and high-priced models.

Insuring a Mercedes-Benz: Pros and cons

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 competes with BMW, Audi and Lexus for the crown of the world’s bestselling luxury brand. It’s the top-selling luxury marque in the US, buoyed by the popular C-Class, GLE-Class and E-Class models.

Are there any standout Mercedes models?

One of Mercedes’ most sleek and luxurious vehicles, the Mercedes-Maybach S-Class offers the ultimate in comfort. The 2021 Mercedes-Maybach S 580 4matic included features like:

  • Ambient lighting.
  • Heated, ventilated and massaging seats.
  • Calf rests.
  • Voice-controlled dash and infotainment system.
  • Folding tables for the rear seats.

And its distinguished design extends to the vehicle’s performance. Advanced chassis technology, all-wheel drive and a 9-speed automatic, 4.0L twin-turbo V8 496-horsepower engine make for a powerful, smooth ride. And for those who like to cruise with speed, expect a zero to 60 acceleration of 4.7 seconds.

Base price starts at $184,900.

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.

Frequently asked questions about Mercedes-Benz

How we got these rates

To determine our estimated cost, we aggregated quotes from insurance companies using a profile like this:

  • 2018 Mercedes-Benz
  • 10,001 to 15,000 miles driven yearly
  • No accidents in the past five years
  • Antitheft device on vehicle
  • Driver located in New York
  • Good credit

What car-related factors affect the cost of insurance?
A car’s safety record, the cost to repair and maintain the car and the car’s likelihood of being stolen all can affect the price of insurance coverage.

How can I finance a Mercedes-Benz?
Get behind the wheel of a Mercedes-Benz by taking out a car loan from a third-party lender or financing directly through an authorized dealership.

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To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.
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Written by

Publisher

Roslyn McKenna Ayers is insurance manager at ValuePenguin and a former publisher at Finder, specializing in home and auto coverage. Her expertise and analysis has been featured on Bankrate, MSN and Reader's Digest. She holds a BA in writing and communications from Maryville College. See full bio

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