When buying a new vehicle, factor in the cost of car insurance as part of your overall budget.
On average, Mercedes-Benz car insurance costs an average of $3,585 a year or $299 monthly, based on CarInsurance.com’s rate analysis. Your exact rates may vary based on the Mercedes-Benz model you drive, model year, your age, driving history and the insurance company you choose.
- The annual average nationwide cost of full coverage car insurance for Mercedes-Benz is $3,585 per year.
- The GLA-Class is the cheapest Mercedes-Benz model to insure.
- Advanced safety features that come standard on Mercedes-Benz models help lower your insurance costs.
Average cost of car insurance for a Mercedes-Benz, by company
Car insurance premiums vary greatly depending on the vehicle’s make. For example, insurance rates differ from one insurer to another because companies use different parameters to assess risk and estimate the likelihood of a claim. Insurers consider factors such as your driving history, location, age and the type of vehicle you drive to calculate insurance rates.
The table below shows Mercedes-Benz car insurance rates by insurance company.
Cost to insure a Mercedes-Benz, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $2,364 | $1,182 | $197 |
| GEICO | $2,968 | $1,484 | $247 |
| Nationwide | $2,993 | $1,496 | $249 |
| State Farm | $3,035 | $1,517 | $253 |
| Progressive | $3,258 | $1,629 | $271 |
| Allstate | $4,369 | $2,185 | $364 |
| Farmers | $5,260 | $2,630 | $438 |
| USAA | $2,908 | $1,454 | $242 |
Mercedes-Benz average insurance rates, by model
Mercedes-Benz GLA-Class car insurance cost
The average car insurance premium for Mercedes-Benz GLA-Class is $244 per month, which translates to $2,932 per year. The most affordable company for a Mercedes-Benz GLA-Class is Travelers with a rate of $157 monthly or $1,889 per year.
Mercedes-Benz GLB-Class car insurance cost
On average, car insurance for a Mercedes-Benz GLB-Class costs $250 a month or $3,006 per year. Travelers has the cheapest car insurance cost for a Mercedes-Benz GLB-Class at $164 per month, equating to $1,964 annually.
Mercedes-Benz GLC-Class car insurance cost
The average car insurance premium for Mercedes-Benz GLC-Class is $251 per month, which translates to $3,009 per year. The most affordable company for a Mercedes-Benz GLC-Class is Travelers with a rate of $158 monthly or $1,899 per year.
Mercedes-Benz GLC-Class Coupe car insurance cost
The average monthly car insurance premium for a Mercedes-Benz GLC-Class Coupe is $267 , which totals $3,204 annually. Travelers offers the cheapest rate at $166 per month or $1,989 annually.
Mercedes-Benz EQB car insurance cost
The average car insurance premium for Mercedes-Benz EQB is $270 per month, which translates to $3,245 per year. The most affordable company for a Mercedes-Benz EQB is Travelers with a rate of $188 monthly or $2,262 per year.
Insurance rates by car model
The average cost of car insurance for a Mercedes-Benz, by driver age
Your age is an important rating factor in determining your Mercedes-Benz car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
According to a study by the Insurance Information Institute, in 2020, young drivers represented just 5.1% of all licensed drivers but were involved in 8.5% of fatal crashes. This data highlights that young drivers are more frequently involved in accidents, leading to increased claims.
Additionally, teens tend to engage in riskier driving behavior compared to older drivers, contributing to higher insurance costs.
The cost of car insurance starts to drop as drivers gain more experience and stays pretty level, assuming no tickets, claims or accidents until the age of 60 when rates start to rise.
In the tables below, see how much it costs to insure a Mercedes-Benz by the driver’s age.
Cost to insure a Mercedes-Benz, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Mercedes-Benz C-Class | $11,604 | $5,802 | $967 |
| 18 | Mercedes-Benz CLA-Class | $11,281 | $5,641 | $940 |
| 18 | Mercedes-Benz CLE-Class | $12,598 | $6,299 | $1,050 |
| 18 | Mercedes-Benz E-Class | $12,844 | $6,422 | $1,070 |
| 18 | Mercedes-Benz E-Class All-Terrain | $13,218 | $6,609 | $1,102 |
| 18 | Mercedes-Benz EQB | $10,568 | $5,284 | $881 |
| 18 | Mercedes-Benz EQS | $15,934 | $7,967 | $1,328 |
| 18 | Mercedes-Benz EQS SUV | $14,031 | $7,016 | $1,169 |
| 18 | Mercedes-Benz G-Class | $17,816 | $8,908 | $1,485 |
| 18 | Mercedes-Benz GLA-Class | $9,696 | $4,848 | $808 |
| 18 | Mercedes-Benz GLB-Class | $9,903 | $4,951 | $825 |
| 18 | Mercedes-Benz GLC-Class | $9,883 | $4,941 | $824 |
| 18 | Mercedes-Benz GLC-Class Coupe | $10,533 | $5,266 | $878 |
| 18 | Mercedes-Benz GLC-Class Hybrid | $10,876 | $5,438 | $906 |
| 18 | Mercedes-Benz GLE-Class | $11,397 | $5,699 | $950 |
| 18 | Mercedes-Benz GLS-Class | $13,178 | $6,589 | $1,098 |
| 18 | Mercedes-Benz S-Class | $18,666 | $9,333 | $1,555 |
| 18 | Mercedes-Benz Sprinter | $9,908 | $4,954 | $826 |
Cost to insure a Mercedes-Benz, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Mercedes-Benz C-Class | $3,559 | $1,779 | $297 |
| 40 | Mercedes-Benz CLA-Class | $3,438 | $1,719 | $286 |
| 40 | Mercedes-Benz CLE-Class | $3,916 | $1,958 | $326 |
| 40 | Mercedes-Benz E-Class | $4,002 | $2,001 | $334 |
| 40 | Mercedes-Benz E-Class All-Terrain | $4,132 | $2,066 | $344 |
| 40 | Mercedes-Benz EQB | $3,245 | $1,622 | $270 |
| 40 | Mercedes-Benz EQS | $4,926 | $2,463 | $411 |
| 40 | Mercedes-Benz EQS SUV | $4,365 | $2,183 | $364 |
| 40 | Mercedes-Benz G-Class | $5,586 | $2,793 | $466 |
| 40 | Mercedes-Benz GLA-Class | $2,932 | $1,466 | $244 |
| 40 | Mercedes-Benz GLB-Class | $3,006 | $1,503 | $250 |
| 40 | Mercedes-Benz GLC-Class | $3,009 | $1,505 | $251 |
| 40 | Mercedes-Benz GLC-Class Coupe | $3,204 | $1,602 | $267 |
| 40 | Mercedes-Benz GLC-Class Hybrid | $3,306 | $1,653 | $276 |
| 40 | Mercedes-Benz GLE-Class | $3,509 | $1,754 | $292 |
| 40 | Mercedes-Benz GLS-Class | $4,108 | $2,054 | $342 |
| 40 | Mercedes-Benz S-Class | $5,895 | $2,947 | $491 |
| 40 | Mercedes-Benz Sprinter | $3,045 | $1,522 | $254 |
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Mercedes-Benz car insurance rates by state
When it comes to car insurance, your location plays a significant role in determining your insurance premiums. Mercedes-Benz car insurance rates vary significantly from one state to another due to factors such as traffic conditions, accident rates, theft/vandalism, weather events and state-specific insurance laws. Find below Mercedes-Benz car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $3,192 | $1,596 | $266 |
| Alabama | $3,054 | $1,527 | $254 |
| Arkansas | $4,326 | $2,163 | $361 |
| Arizona | $3,643 | $1,821 | $304 |
| California | $4,488 | $2,244 | $374 |
| Colorado | $4,118 | $2,059 | $343 |
| Connecticut | $3,958 | $1,979 | $330 |
| Washington, D.C. | $4,646 | $2,323 | $387 |
| Delaware | $3,987 | $1,994 | $332 |
| Florida | $4,061 | $2,031 | $338 |
| Georgia | $3,489 | $1,745 | $291 |
| Hawaii | $1,996 | $998 | $166 |
| Iowa | $3,147 | $1,573 | $262 |
| Idaho | $2,394 | $1,197 | $199 |
| Illinois | $2,966 | $1,483 | $247 |
| Indiana | $2,405 | $1,203 | $200 |
| Kansas | $3,587 | $1,793 | $299 |
| Kentucky | $4,125 | $2,063 | $344 |
| Louisiana | $5,998 | $2,999 | $500 |
| Massachusetts | $2,896 | $1,448 | $241 |
| Maryland | $3,829 | $1,914 | $319 |
| Maine | $2,246 | $1,123 | $187 |
| Michigan | $5,198 | $2,599 | $433 |
| Minnesota | $3,342 | $1,671 | $278 |
| Missouri | $3,545 | $1,772 | $295 |
| Mississippi | $4,040 | $2,020 | $337 |
| Montana | $3,430 | $1,715 | $286 |
| North Carolina | $3,080 | $1,540 | $257 |
| North Dakota | $3,042 | $1,521 | $253 |
| Nebraska | $3,794 | $1,897 | $316 |
| New Hampshire | $2,417 | $1,209 | $201 |
| New Jersey | $3,916 | $1,958 | $326 |
| New Mexico | $3,490 | $1,745 | $291 |
| Nevada | $4,383 | $2,191 | $365 |
| New York | $3,858 | $1,929 | $322 |
| Ohio | $2,364 | $1,182 | $197 |
| Oklahoma | $3,892 | $1,946 | $324 |
| Oregon | $3,062 | $1,531 | $255 |
| Pennsylvania | $3,558 | $1,779 | $297 |
| Rhode Island | $3,668 | $1,834 | $306 |
| South Carolina | $3,973 | $1,986 | $331 |
| South Dakota | $4,221 | $2,110 | $352 |
| Tennessee | $3,165 | $1,582 | $264 |
| Texas | $4,254 | $2,127 | $355 |
| Utah | $2,768 | $1,384 | $231 |
| Virginia | $2,959 | $1,479 | $247 |
| Vermont | $2,414 | $1,207 | $201 |
| Washington | $2,681 | $1,341 | $223 |
| Wisconsin | $3,504 | $1,752 | $292 |
| West Virginia | $3,123 | $1,561 | $260 |
| Wyoming | $2,903 | $1,452 | $242 |
Average car insurance cost for different vehicle makes
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To find affordable Mercedes-Benz car insurance rates, you should opt for a family-friendly vehicle like a small SUV. These models usually include advanced safety features, have smaller engines and are driven by people with children in the car. This makes them more cautious drivers, leading to fewer accidents.
Safety features like airbags, backup cameras, automatic emergency braking and lane departure warnings play a significant role in keeping insurance premiums low. Minivans and compact to midsize SUVs continue to top the list of the most affordable cars to insure.
Pickups and commercial vans also tend to be cheaper to insure than sedans and other vehicle types. They are usually cheaper to repair because the back end of the vehicle is just an empty bed, it doesn’t have seating or other expensive electrical and safety components. Cheaper repairs result in cheaper insurance.
Cheapest Mercedes-Benz models to insure
Opting for smaller, less costly Mercedes-Benz models with modest engines can result in lower insurance costs than choosing sportier or upscale models. Base versions tend to be the most affordable to insure, but premiums increase as you upgrade to higher-level trims.
Models that are popular with families and are loaded with safety features will help keep your premium affordable. Advanced safety features such as automatic emergency braking, a backup camera and blind spot detection can result in a discount on your premium.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren Mckenzie, independent broker/agent with A Plus Insurance. “If you are younger and you choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Mercedes-Benz models to insure
Luxury vehicles and sports cars typically rank among the most expensive vehicles to insure. Luxury cars and sports models often come with higher premiums due to their increased theft risk and higher repair or replacement costs. Meanwhile, larger SUVs can also result in higher insurance rates because of their potential to cause more damage in an accident.
If you’re looking to cut down on your insurance costs, it’s best to avoid these types of vehicles:
- EVs: The high cost of the large batteries in electric vehicles (EVs) can lead to higher insurance premiums. Since battery packs can be as expensive as $20,000 to replace, insurers include this risk when calculating your rate.
- Luxury and sports cars: Luxury and sports cars represent a higher risk due to their hefty purchase prices. These vehicles are built for speed and are equipped with advanced tech features, making repairs or replacements costly. As a result, insurance for these cars tends to be more expensive.
- Favorites of thieves: Insurance companies closely monitor vehicle theft statistics. If your car is popular among thieves, your insurance premiums will be higher. The National Insurance Crime Bureau (NICB) annually publishes a list of the most stolen vehicles. Choosing a car not on this list can help you maintain lower insurance costs.
How to save on car insurance for a Mercedes-Benz
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered and you will save a lot of money on car insurance,” Mckenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” Mckenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Mercedes-Benz discounts on car insurance
One way to save money on your Mercedes-Benz insurance is to make sure that all available discounts are being applied to your policy. Insurers offer a variety of discounts that can dramatically lower your premium.
Discounts can be related to the vehicle you drive or your personal factors. Insurance companies often offer reduced premiums for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warnings and driver alertness monitors.
In addition, you may be able to save a bit of coin by having an anti-theft device installed or driving a brand-new car as some insurers offer a new car discount.
Discounts related to your personal factors can include major discounts such as being a good driver or a good student (if you have a teen on your policy).
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Mercedes-Benz auto insurance.
How does a car’s make affect car insurance rates?
Curious about Mercedes-Benz insurance premiums? The insurance rates vary based on the specific model you choose. Since Mercedes-Benz manufactures various vehicles, the insurance premiums differ accordingly.
Smaller SUVs and minivans are the cheapest vehicle types to insure while luxury models and sporty sedans are more expensive. Pickup trucks tend to fall on the more affordable side of the insurance spectrum – until you get into the luxury trim levels.
Insurance companies accumulate excessive statistical data, revealing that family-friendly vehicles-like SUVs and minivans-are involved in fewer accidents and file fewer claims than sedans and sports cars. This is one reason why they are cheaper to insure. Additionally, luxury vehicles and sports cars are equipped with expensive materials and advanced technology, which drives up repair costs and, as a result, increases insurance premiums.
Make sure you compare car insurance quotes apples to apples for different types of vehicles. A luxury sedan typically costs more to insure than a minivan or mid-size SUV. To make an informed decision, make sure you compare quotes for the same vehicle types and coverage limits.
The same advice should be followed when comparing vehicles from different manufacturers. A luxury German sedan (BMW or Mercedes for example) will be more expensive to insure than a minivan or compact vehicle from another manufacturer, so always compare similar vehicle types and trim levels when shopping for a new vehicle or policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Mercedes-Benz
Mercedes-Benz was founded in the early 20th century by Karl Benz and Gottlieb Daimler. Mercedes-Benz has a deep-rooted history of pioneering technological advancements in the car manufacturing sector, including the invention of the first petrol-powered car. Over the years, it has evolved to offer a diverse line-up of vehicles, ranging from luxury sedans and SUVs to high-performance sports cars.
Final thoughts on Mercedes-Benz insurance costs
Mercedes-Benz offers a diverse range of vehicle models, and the cost to insure them varies based on several factors. Opting for entry-level vehicles with a lower starting price, a smaller engine and plenty of safety features can help keep your insurance premiums affordable. On the other hand, selecting luxury or sporty models may increase the cost of coverage.
You can reduce your insurance costs by regularly comparing coverage options, inquiring about available discounts and choosing the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Mercedes-Benz?
Your driving record is important in determining your Mercedes-Benz’s insurance premium. Generally, a clean driving history results in lower rates, while incidents such as accidents, speeding violations, or DUI charges can significantly raise your premium.
Does the color of my Mercedes-Benz affect the insurance premium?
The color of your Mercedes-Benz does not influence your insurance premium. Insurance companies determine rates based on factors such as the model, age, safety features and driving history, but vehicle color has no impact on the cost.
How does the age of my Mercedes-Benz affect insurance costs?
The age of your Mercedes-Benz can affect your insurance costs. Generally, older models may come with lower premiums due to depreciation, although they might lack modern safety features, which can lead to slightly higher rates. In contrast, newer models typically have higher premiums because they are more costly to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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