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.
A 2023 Mercedes-Benz E-Class typically costs around $3,456 per year to insure, although prices vary widely for older models. For example, a 2021 E-Class costs $3,249 annually, whereas you’ll pay $2,720 annually for a 2018 model (on average).
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 offers the lowest car insurance rates for your Mercedes-Benz E-Class, with an average cost of $2,604 per year or $217 each month, based on CarInsurance.com’s study.
Below is a list of insurance companies that offer affordable 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
Generally, newer models have higher insurance rates due to their higher market value and repair costs. For instance, insuring a 2023 Mercedes-Benz E-Class will likely be more expensive than insuring a 2019 model. However, older models might not have the latest safety features, which can also influence 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 |
Mercedes-Benz E-Class car insurance rates for different trims
A Mercedes-Benz E-Class’s trim level can significantly affect insurance costs. Trims vary in features, safety equipment and overall cost, contributing to different insurance premiums.
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
The cost to insure a Mercedes-Benz E-Class can vary widely from state to state due to differences in state laws, average repair costs and car theft or accident rates.
Find the Mercedes-Benz E-Class car insurance rates for different states in the table below.
| 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
Drivers under 25 often see higher insurance rates due to their inexperience and higher risk of car accidents. As individuals age and get more experience behind the wheel, their rates usually drop. However, for older drivers, insurance costs can increase again due to age-related risks.
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 a Mercedes-Benz E-Class is important for managing your budget. Insurance rates can change based on the car’s model year, trim, age and location.
To save on insurance, try keeping a clean driving record, taking advantage of discounts and reviewing your policy every renewal period. This will help you get the right coverage at an affordable price.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” July 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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