If you’re looking for insurance for your Mercedes-Benz E-Class in 2025, you’re in the right place. Car insurance rates for the Mercedes-Benz E-Class depend on factors like your driving record, location and car model year.
On average, insuring a 2023 Mercedes-Benz E-Class costs around $3,456 annually, but the rates can vary significantly compared to older models. For instance, a 2021 E-Class might cost slightly less, around $3,249 per year, while insuring a 2018 model could be even more budget-friendly at $2,720 annually.
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Mercedes-Benz E-Class.
What is the cost to insure your Mercedes-Benz E-Class in 2025?
The average cost to insure a Mercedes-Benz E-Class is $299 per month or $3,587 annually for a full coverage policy. However, the specific rates may vary based on your age, location, coverage limit, insurance company, and driving history.
Your rates may be higher if you’re a young driver or have a history of accidents. On the other hand, experienced drivers with a clean driving record might pay lower premiums for the same policy. Other factors, such as your state and ZIP code, also influence premiums. Insurance costs also vary by state and ZIP code.
Use the tool below to know car insurance costs based on your state and the car’s make and model.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Mercedes-Benz E-Class
State Farm provides the most affordable car insurance for your Mercedes-Benz E-Class, with an average annual rate of $2,604, or $217 per month, according to CarInsurance.com’s analysis.
The table below shows which insurance companies offer the best rates for your Mercedes-Benz E-Class.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| State Farm | $2,604 | $1,302 | $217 |
| Nationwide | $3,068 | $1,534 | $256 |
| Progressive | $3,211 | $1,606 | $268 |
| Geico | $3,776 | $1,888 | $315 |
| Farmers | $4,284 | $2,142 | $357 |
| Allstate | $4,648 | $2,324 | $387 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Mercedes-Benz E-Class car insurance rates by model year
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 Mercedes-Benz E-Class will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance rates.
Below is a comparison of average annual insurance costs for different model years of the Mercedes-Benz E-Class. This data can give you a clear idea of how insurance premiums change with the vehicle’s age.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $2,285 | $1,142 | $190 |
| 2015 | $2,387 | $1,193 | $199 |
| 2016 | $2,493 | $1,246 | $208 |
| 2017 | $2,665 | $1,332 | $222 |
| 2018 | $2,720 | $1,360 | $227 |
| 2019 | $2,849 | $1,425 | $237 |
| 2020 | $3,021 | $1,510 | $252 |
| 2021 | $3,249 | $1,625 | $271 |
| 2022 | $3,259 | $1,629 | $272 |
| 2023 | $3,456 | $1,728 | $288 |
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Mercedes-Benz E-Class car insurance rates for different trims
The trim level can significantly affect insurance premiums when insuring a Mercedes-Benz E-Class. Each trim has different features, safety equipment and price points, all of which can affect the cost of insurance.
For instance, higher-end trims like the E450 4MATIC, which include advanced technology and luxury features, may have higher insurance premiums than the base model due to the increased replacement and repair costs.
Below is a comparison of average annual insurance costs for different trims of the Mercedes-Benz E-Class.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| E350 4MATIC | $3,512 | $1,756 | $293 |
| E450 4MATIC | $3,662 | $1,831 | $305 |
Mercedes-Benz E-Class insurance rates: State-by-state breakdown
Insurance costs for a Mercedes-Benz E-Class vary widely between states. State laws, average repair expenses and the likelihood of car theft or accidents are all key factors that affect these rates.
Below, you’ll find car insurance rates for the Mercedes-Benz E-Class in different states.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $3,210 | $1,605 | $267 |
| Alabama | $3,319 | $1,660 | $277 |
| Arkansas | $3,887 | $1,944 | $324 |
| Arizona | $3,190 | $1,595 | $266 |
| California | $4,519 | $2,260 | $377 |
| Colorado | $4,726 | $2,363 | $394 |
| Connecticut | $3,655 | $1,828 | $305 |
| Washington, D.C. | $4,222 | $2,111 | $352 |
| Delaware | $3,306 | $1,653 | $275 |
| Florida | $3,619 | $1,809 | $302 |
| Georgia | $4,332 | $2,166 | $361 |
| Hawaii | $1,984 | $992 | $165 |
| Iowa | $3,309 | $1,654 | $276 |
| Idaho | $2,381 | $1,191 | $198 |
| Illinois | $3,325 | $1,662 | $277 |
| Indiana | $3,286 | $1,643 | $274 |
| Kansas | $3,765 | $1,882 | $314 |
| Kentucky | $4,234 | $2,117 | $353 |
| Louisiana | $5,120 | $2,560 | $427 |
| Massachusetts | $3,459 | $1,729 | $288 |
| Maryland | $3,346 | $1,673 | $279 |
| Maine | $2,698 | $1,349 | $225 |
| Michigan | $4,641 | $2,320 | $387 |
| Minnesota | $4,019 | $2,010 | $335 |
| Missouri | $4,672 | $2,336 | $389 |
| Mississippi | $3,695 | $1,847 | $308 |
| Montana | $3,936 | $1,968 | $328 |
| North Carolina | $3,222 | $1,611 | $268 |
| North Dakota | $3,479 | $1,740 | $290 |
| Nebraska | $4,100 | $2,050 | $342 |
| New Hampshire | $2,709 | $1,354 | $226 |
| New Jersey | $3,278 | $1,639 | $273 |
| New Mexico | $3,641 | $1,820 | $303 |
| Nevada | $3,066 | $1,533 | $255 |
| New York | $2,821 | $1,411 | $235 |
| Ohio | $2,559 | $1,279 | $213 |
| Oklahoma | $4,009 | $2,004 | $334 |
| Oregon | $3,182 | $1,591 | $265 |
| Pennsylvania | $3,511 | $1,755 | $293 |
| Rhode Island | $4,491 | $2,246 | $374 |
| South Carolina | $3,129 | $1,564 | $261 |
| South Dakota | $5,172 | $2,586 | $431 |
| Tennessee | $3,728 | $1,864 | $311 |
| Texas | $5,248 | $2,624 | $437 |
| Utah | $2,861 | $1,430 | $238 |
| Virginia | $2,594 | $1,297 | $216 |
| Vermont | $2,757 | $1,378 | $230 |
| Washington | $3,143 | $1,572 | $262 |
| Wisconsin | $2,734 | $1,367 | $228 |
| West Virginia | $3,504 | $1,752 | $292 |
| Wyoming | $4,154 | $2,077 | $346 |
How your age impacts Mercedes-Benz E-Class insurance rates
Younger drivers, especially those under 25, pay higher rates due to their inexperience and higher accident risk. Insurance rates typically decrease as drivers get older and gain more experience but may rise again for senior drivers due to age-related factors.
According to the National Highway Traffic Safety Administration’s (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 died in traffic crashes in 2022.
The table below shows the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $13,190 | $6,595 | $1,099 |
| Adults | $3,587 | $1,793 | $299 |
The bottom line
Knowing how much it costs to insure your Mercedes-Benz E-Class is key to managing your expenses. Insurance costs can change depending on the car’s model year, trim, age and state of residence.
By taking proactive steps like maintaining a clean driving record, taking advantage of discounts and regularly reviewing your insurance needs, you can balance adequate coverage and affordability.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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