If you’re in the market for a new vehicle, you must factor the cost of car insurance into your car budget. Interested in how much car insurance for a Mercedes-Benz costs? Here’s what you need to know.
The average cost of Mercedes-Benz car insurance is $3,284 a year or $274 per month, based on a detailed analysis by CarInsurance.com. Your exact rates may vary based on factors such as your insurance company, vehicle model, age and driving history.
- The annual average nationwide cost of full coverage car insurance for Mercedes-Benz is $3,284 per year.
- The Sprinter 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 can differ significantly based on the make of the vehicle. For instance, car insurance rates vary from one insurance company to another because each company uses its formula to calculate risk and estimate the likelihood of a claim being filed, considering factors such as your driving record, location, age and the type of vehicle you drive.
See how car insurance rates for Mercedes-Benz vehicles compare among different insurers in the table below.
Cost to insure a Mercedes-Benz, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| State Farm | $2,596 | $1,298 | $216 |
| Nationwide | $2,850 | $1,425 | $238 |
| Geico | $2,902 | $1,451 | $242 |
| Progressive | $3,078 | $1,539 | $257 |
| Farmers | $4,116 | $2,058 | $343 |
| Allstate | $4,301 | $2,150 | $358 |
Mercedes-Benz average insurance rates, by model
Mercedes-Benz Sprinter car insurance cost
The average car insurance premium for Mercedes-Benz Sprinter is $217 per month, which translates to $2,606 per year. The most affordable company for a Mercedes-Benz Sprinter is Progressive with a rate of $180 monthly or $2,158 per year.
Mercedes-Benz GLB-Class car insurance cost
The average car insurance premium for Mercedes-Benz GLB-Class is $218 per month, which translates to $2,611 per year. The most affordable company for a Mercedes-Benz GLB-Class is Progressive with a rate of $163 monthly or $1,958 per year.
Mercedes-Benz GLA-Class car insurance cost
The average car insurance premium is $207 per month, which adds up to $2,488 each year for a Mercedes-Benz GLA-Class. State Farm is the cheapest car insurance company, with a monthly rate of $159, which translates to an annual cost of $1,908.
Mercedes-Benz GLC-Class car insurance cost
The average monthly car insurance premium for a Mercedes-Benz GLC-Class is $226, which totals $2,709 annually. Progressive offers the cheapest rate at $174 per month or $2,085 annually.
Mercedes-Benz GLC-Class Coupe car insurance cost
The average car insurance premium for Mercedes-Benz GLC-Class Coupe is $246 per month, which translates to $2,947 per year. The most affordable company for a Mercedes-Benz GLC-Class Coupe is State Farm with a rate of $196 monthly or $2,350 per year.
Insurance rates by car model
The average cost of car insurance for a Mercedes-Benz, by age
The cost of Mercedes-Benz car insurance can vary based on your age. Generally, young drivers face significantly higher premiums compared to those with more driving experience.
In 2020, the Insurance Information Institute reported that young drivers represented only 5.1% of licensed drivers but were involved in 8.5% of fatal crashes. This data clearly shows that young drivers are more frequently involved in accidents, resulting in increased claims. Their tendency to engage in riskier driving behaviors compared to older drivers further contributes to the higher insurance rates.
As drivers gain more experience, car insurance costs usually decrease and remain relatively stable if the driver doesn’t have any tickets, claims or accidents on their record. However, rates tend to rise again after the age of 60. The table below shows how much it costs to insure a Mercedes-Benz based on 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 C-Class | $11,220 | $5,610 | $935 |
| 18 | Mercedes CLA-Class | $10,995 | $5,497 | $916 |
| 18 | Mercedes E-Class | $13,190 | $6,595 | $1,099 |
| 18 | Mercedes E-Class All-Terrain | $12,536 | $6,268 | $1,045 |
| 18 | Mercedes EQB | $10,704 | $5,352 | $892 |
| 18 | Mercedes EQE | $14,368 | $7,184 | $1,197 |
| 18 | Mercedes EQE SUV | $13,525 | $6,763 | $1,127 |
| 18 | Mercedes EQS | $17,660 | $8,830 | $1,472 |
| 18 | Mercedes EQS SUV | $17,098 | $8,549 | $1,425 |
| 18 | Mercedes G-Class | $16,322 | $8,161 | $1,360 |
| 18 | Mercedes GLA-Class | $9,572 | $4,786 | $798 |
| 18 | Mercedes GLB-Class | $10,088 | $5,044 | $841 |
| 18 | Mercedes GLC-Class | $10,260 | $5,130 | $855 |
| 18 | Mercedes GLC-Class Coupe | $11,051 | $5,526 | $921 |
| 18 | Mercedes GLE-Class | $11,861 | $5,931 | $988 |
| 18 | Mercedes GLS-Class | $13,288 | $6,644 | $1,107 |
| 18 | Mercedes S-Class | $18,628 | $9,314 | $1,552 |
| 18 | Mercedes Sprinter | $9,501 | $4,750 | $792 |
Cost to insure a Mercedes-Benz, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Mercedes C-Class | $2,947 | $1,474 | $246 |
| 40 | Mercedes CLA-Class | $2,890 | $1,445 | $241 |
| 40 | Mercedes E-Class | $3,587 | $1,793 | $299 |
| 40 | Mercedes E-Class All-Terrain | $3,513 | $1,756 | $293 |
| 40 | Mercedes EQB | $2,879 | $1,440 | $240 |
| 40 | Mercedes EQE | $3,862 | $1,931 | $322 |
| 40 | Mercedes EQE SUV | $3,639 | $1,819 | $303 |
| 40 | Mercedes EQS | $4,786 | $2,393 | $399 |
| 40 | Mercedes EQS SUV | $4,663 | $2,331 | $389 |
| 40 | Mercedes G-Class | $4,385 | $2,193 | $365 |
| 40 | Mercedes GLA-Class | $2,488 | $1,244 | $207 |
| 40 | Mercedes GLB-Class | $2,611 | $1,306 | $218 |
| 40 | Mercedes GLC-Class | $2,709 | $1,354 | $226 |
| 40 | Mercedes GLC-Class Coupe | $2,947 | $1,474 | $246 |
| 40 | Mercedes GLE-Class | $3,166 | $1,583 | $264 |
| 40 | Mercedes GLS-Class | $3,628 | $1,814 | $302 |
| 40 | Mercedes S-Class | $5,211 | $2,605 | $434 |
| 40 | Mercedes Sprinter | $2,606 | $1,303 | $217 |
Mercedes-Benz car insurance rates by state
When it comes to insuring your Mercedes-Benz, your location can greatly affect your premiums. Rates vary significantly across states due to traffic conditions, accident rates, theft/vandalism, weather incidents and state laws. Below, you’ll find Mercedes-Benz car insurance for all the states in the U.S.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,814 | $1,407 | $234 |
| Alabama | $2,996 | $1,498 | $250 |
| Arkansas | $3,604 | $1,802 | $300 |
| Arizona | $2,965 | $1,482 | $247 |
| California | $4,172 | $2,086 | $348 |
| Colorado | $4,338 | $2,169 | $362 |
| Connecticut | $3,352 | $1,676 | $279 |
| Washington, D.C. | $3,857 | $1,928 | $321 |
| Delaware | $3,025 | $1,513 | $252 |
| Florida | $3,417 | $1,709 | $285 |
| Georgia | $4,003 | $2,001 | $334 |
| Hawaii | $1,809 | $904 | $151 |
| Iowa | $3,050 | $1,525 | $254 |
| Idaho | $2,104 | $1,052 | $175 |
| Illinois | $3,097 | $1,548 | $258 |
| Indiana | $2,942 | $1,471 | $245 |
| Kansas | $3,797 | $1,898 | $316 |
| Kentucky | $4,147 | $2,073 | $346 |
| Louisiana | $5,156 | $2,578 | $430 |
| Massachusetts | $2,868 | $1,434 | $239 |
| Maryland | $3,054 | $1,527 | $255 |
| Maine | $2,291 | $1,146 | $191 |
| Michigan | $4,189 | $2,095 | $349 |
| Minnesota | $3,734 | $1,867 | $311 |
| Missouri | $4,328 | $2,164 | $361 |
| Mississippi | $3,519 | $1,760 | $293 |
| Montana | $3,640 | $1,820 | $303 |
| North Carolina | $2,831 | $1,415 | $236 |
| North Dakota | $3,116 | $1,558 | $260 |
| Nebraska | $3,729 | $1,864 | $311 |
| New Hampshire | $2,487 | $1,243 | $207 |
| New Jersey | $2,883 | $1,441 | $240 |
| New Mexico | $3,376 | $1,688 | $281 |
| Nevada | $2,907 | $1,454 | $242 |
| New York | $2,526 | $1,263 | $210 |
| Ohio | $2,240 | $1,120 | $187 |
| Oklahoma | $3,563 | $1,782 | $297 |
| Oregon | $2,964 | $1,482 | $247 |
| Pennsylvania | $3,388 | $1,694 | $282 |
| Rhode Island | $3,840 | $1,920 | $320 |
| South Carolina | $2,974 | $1,487 | $248 |
| South Dakota | $4,513 | $2,256 | $376 |
| Tennessee | $3,652 | $1,826 | $304 |
| Texas | $4,341 | $2,171 | $362 |
| Utah | $2,612 | $1,306 | $218 |
| Virginia | $2,365 | $1,183 | $197 |
| Vermont | $2,507 | $1,254 | $209 |
| Washington | $2,823 | $1,411 | $235 |
| Wisconsin | $2,621 | $1,311 | $218 |
| West Virginia | $3,099 | $1,550 | $258 |
| Wyoming | $3,620 | $1,810 | $302 |
Average car insurance cost for different vehicle makes
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If you’re looking for affordable Mercedes-Benz car insurance, it’s wise to choose vehicles designed with families in mind, such as small SUVs. These cars typically come equipped with advanced safety features, have smaller engines and are often driven by parents with children onboard. As a result, drivers tend to be more cautious, 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.
Choosing family-friendly models with robust safety features can help lower your insurance costs. Advanced safety technologies like automatic emergency braking, a backup camera and blind spot detection often lead to premium discounts.
“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, a senior agent with A Plus Insurance. “If you are younger and 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
When it comes to insurance costs, luxury vehicles, sports cars and SUVs are often the most expensive. Sports cars and luxury models have higher rates because they’re more frequently targeted by thieves and have high repair costs. SUVs, especially the larger models, come with higher premiums due to their potential to cause more extensive damage in accidents.
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 may be related to the vehicle you drive or your personal factors. Insurance companies typically offer a discount for a vehicle loaded with advanced safety features such as automated emergency braking, lane departure warning and driver alertness monitor.
You may be able to save money by installing an anti-theft device or driving a brand-new car, as some insurers offer discounts for new vehicles. Personal factors, such as being a good driver or a good student (if you have a teen on your policy), can also lead to significant discounts.
“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 Honda auto insurance.
How does a car’s make affect car insurance rates?
Curious how much is Mercedes-Benz insurance? It will depend on which model you choose. Mercedes-Benz builds a variety of different vehicles and the cost to insure them will vary depending on the vehicle type.
Smaller SUVs and minivans are among the least expensive vehicles to insure, while luxury models and sporty sedans come with higher insurance costs. Pickup trucks generally fall on the more affordable side of insurance rates-unless you opt for luxury trim levels.
Insurers collect reams of statistical data, and the numbers show that vehicles that are popular with families (think SUVs and minivans) are in fewer accidents and file fewer claims than drivers of sedans and sports cars which is one reason they are cheaper to insure. Luxury vehicles and sports cars are also bursting with expensive trim materials and technology that pushes up the cost of repairs and insurance.
When comparing car insurance quotes, make sure to compare quotes thoroughly for different types of vehicles. For instance, insuring a luxury sedan generally costs more than insuring a minivan or mid-size SUV. To make an informed decision, be sure to compare quotes for the same vehicle type and coverage levels.
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 lineup of models, and the cost to insure them varies based on several factors. Choosing an entry-level vehicle with a low MSRP, smaller engine and various safety features can help keep your insurance premiums affordable. On the other hand, choosing luxury or sporty models will typically increase the cost of coverage.
Shopping your coverage on a regular basis, asking for discounts and choosing the highest deductible you can easily afford are all great ways to save money on your coverage regardless of which Mercedes-Benz model you drive off the lot.
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 June 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed June 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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