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Mercedes-Benz S-Class insurance rates

Average S-Class insurance cost? $376. But style doesn’t have to mean sky-high rates — see Geico.

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We pulled Mercedes-Benz S-Class car insurance quotes from top insurance companies to find that the average monthly cost to insure a Mercedes-Benz S-Class is $375.63 — or $4,507.56 annually. However, your actual costs depend on your driving history, age, ZIP, annual mileage and other factors. And an older model may score you lower rates.

Model YearProgressiveGeicoState FarmFarmersAverage
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

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
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Why is insurance so expensive for the Mercedes-Benz S-Class?

The Mercedes-Benz S-Class costs more to insure because it’s a high-priced luxury vehicle that requires premium parts and service. This car also lists in the top 10 for the most stolen luxury cars, adding another layer of risk for insurers.

Mercedes-Benz S-Class money-saving safety features

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

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

How safe is the Mercedes-Benz S-Class?

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

The latest model of the Mercedes-Benz S-Class include antilock brakes, stability control and overhead airbags.

From 2009 to 2012, there were over 160 models stolen, according to the National Insurance Crime Bureau (NICB). The car is ranked number 10 in the NICB’s list of the Top 10 Most Stolen Luxury Cars.

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

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

About this car

The Mercedes-Benz S-Class has been around since 1972 and is currently in its sixth generation. It comes available in sedan, coupe and convertible styles.

At a cool starting MSRP of $109,000 the 2021 S500 4matic sedan comes decked out with a 3.0-liter inline 6-turbo 429-horsepower engine including EQ Boost and an electric auxiliary compressor. It can reach 0 to 60 in 4.9 seconds. Expect to get 14 to 16 mpg in the city, 24 to 26 mpg on the highway and

The sedan seats up to five passengers, offers a deliciously stylish and spacious interior plus a state-of-the-art infotainment system that includes a 3D gauge cluster and an eye-popping 12.8-inch OLED touchscreen, but no physical buttons or controls make it difficult to change any settings without looking away from the road. Thank goodness all it takes is a “Hey, Mercedes…” voice command to get you set.

The cabin feels practically soundproof, adding to the comfort brought to you from the ambient lighting, air-fragrance system, extra leg- and headroom and massaging seats. Almost sounds like a vacation…

But what never takes a vacation is safety, and Mercedes-Benz definitely has your back. The S-Class comes fixed with numerous standard safety features that include:

  • Surround-view parking camera system.
  • Hands-free park assist.
  • Blind-spot monitoring.
  • Rear cross-traffic alert.
  • Driver drowsiness monitoring.
  • Front- and rear-collision warning.
  • Automatic emergency braking.
  • Stop-and-go adaptive cruise control.
  • Lane-keep assist.
  • Automatic lane change.
  • Road sign recognition.
  • Adaptive headlights with automatic high beams.
  • Dashcam: a forward-facing camera that can record an accident or other event.
  • Car-to-X communication: allows you to receive alerts from other vehicles about upcoming road hazards.
  • Rearview camera.

Available advanced safety features includes a heads-up display for driving data as an add-on feature.

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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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