Automobile

Insurance on Mercedes: Everything You Need to Know

Luxury vehicles like the Mercedes-Benz cost more to insure than less expensive cars because of their higher value and cost to repair. With a bit of research, however, it’s possible to find an affordable auto policy if you have your heart set on a high-end vehicle from this legendary manufacturer. Explore this guide before you purchase auto insurance on a Mercedes.

Average Mercedes Insurance Cost

According to data from Finder.com, the average Mercedes driver pays $208 a month or $2499 per year for auto insurance. This is above the average of $2234 for BMW and $2114 for Lexus, its main competitors.

Mercedes Insurance by Model

The website ValuePenguin reports that these Mercedes models have the most affordable cost of insurance for a six-month policy period on average:

  • Convertible, SLC Roadster SLC 300: $1888
  • SUV, GLC Coupe GLC 300: $1626
  • Coupe, C-Class Coupe C 300: $1780
  • Sedan: A-Class Sedan A 220: $1540

    Overall, Mercedes SUVs offer the most affordable insurance cost of all the available body styles. According to ValuePenguin, the average for an SUV insurance policy from the brand is $2049 for six months, $347 less than the average to insure any Mercedes for six months. Convertible Mercedes models cost the most to insure, followed by coupes, then sedans.

    The site also looked at the average six-month cost of coverage for the various classes of Mercedes vehicles: the entry-level A Class, the C Class, the E Class, and the top-of-the-line S Class. The approximate premium of $2851 for a six-month S Class policy is about 85 percent more than the average of $1702 for a policy on a similar A Class vehicle. That’s because the S Class vehicles have more features, larger interior space, and more powerful engines, all of which contribute to a higher cost of repair.

    The website Finder.com reports these average monthly insurance premiums by Mercedes model:

    • $140 for the SL-Class
    • $152 for the CLA-Class or CLS-Class
    • $220 for the AMG GT, Metris, B250e, SLC-Class, E-Class, GLC-Class, G-Class, or C-Class
    • $227 for the Sprinter, GLA-Class, GLS-Class, or GLE-Class
    • $229 for the S-Class

      Mercedes Insurance by Company

      We looked at the cost of insuring a Mercedes by company and found these average six-month premiums:

      • $3083 from Allstate
      • $3651 from Farmers Insurance
      • $2556 from GEICO
      • $2395 from Liberty Mutual
      • $1105 from Progressive
      • $1305 from State Farm

        The Zebra reports that these auto insurance companies offer the most affordable average rates for a six-month policy on a 2018 Mercedes-Benz C Class vehicle as of February 2021:

        • Acuity: $2098
        • Allied: $1762
        • Arbella: $2248
        • Country: $2165
        • Erie: $1324
        • Mercury: $1910
        • Nationwide: $1752
        • Plymouth Rock Insurance: $1917
        • Progressive: $1705
        • State Farm: $1776
        • Tennessee Farmers: $1413
        • USAA: $1959

          These companies offer the most affordable average six-month coverage on a 2017 Mercedes C Class:

          • Allied: $1757
          • Erie: $1131
          • GEICO: $1475
          • Mercury: $1774
          • Nationwide: $1543
          • Oklahoma Farmers Union: $1324
          • Plymouth Rock Insurance: $1805
          • Progressive: $1374
          • State Farm: $1246
          • Tennessee Farmers: $1377
          • Texas Farm Bureau: $1651
          • USAA: $1560

            Shop these companies for the most affordable average six-month policy rates for a 2016 Mercedes C-Class:

            • Allied: $1569
            • Erie: $940
            • GEICO: $1250
            • Mercury: $1633
            • Nationwide: $1426
            • Oklahoma Farmers Union: $1244
            • Plymouth Rock Insurance: $1668
            • Progressive: $1214
            • State Farm: $1385
            • Tennessee Farmers: $1534
            • Texas Farm Bureau: $830
            • USAA: $1340

              Have your eye on a 2015 Mercedes C-Class? The Zebra found that these companies had the most affordable average rates for a six-month policy:

              • Acuity: $1737
              • Allied: $1754
              • Erie: $1095
              • Mercury: $1609
              • Nationwide: $1718
              • Oklahoma Farmers Union: $982
              • Plymouth Rock Insurance: $1603
              • Progressive: $1580
              • State Farm: $1515
              • Tennessee Farmers: $1749
              • Texas Farm Bureau: $769
              • USAA: $1414

                For the 2014 Mercedes-Benz C-Class, these were the cheapest available six-month rates on average:

                • Acuity: $1767
                • Allied: $1572
                • Erie: $877
                • GEICO: $1255
                • Mercury: $1632
                • Nationwide: $1450
                • Plymouth Rock Insurance: $1550
                • Progressive: $1284
                • State Farm: $1197
                • Tennessee Farmers: $1776
                • Texas Farm Bureau: $1238
                • USAA: $1138

                  The Zebra found these average six-month premium rates for the 2013 Mercedes-Benz C-Class:

                  • Acuity: $1475
                  • American Family: $1411
                  • Erie: $739
                  • GEICO: $719
                  • Nationwide: $1134
                  • Plymouth Rock Insurance: $1480
                  • Progressive: $996
                  • State Farm: $961
                  • Tennessee Farmers: $1487
                  • Texas Farm Bureau: $1205
                  • USAA: $922
                  • Vermont Mutual: $1503

                    The average six-month insurance cost for the 2012 Mercedes-Benz C-Class includes these rates by company:

                    • Acuity: $1376
                    • Allstate: $1484
                    • American Family: $1350
                    • Erie: $731
                    • GEICO: $752
                    • Nationwide: $1210
                    • Plymouth Rock Insurance: $1438
                    • Progressive: $1006
                    • State Farm: $940
                    • Texas Farm Bureau: $1173
                    • USAA: $880
                    • Vermont Mutual: $1417

                      You’ll pay these average rates by company for a 2011 Mercedes-Benz C-Class:

                      • American Family: $1246
                      • Erie: $724
                      • GEICO: $743
                      • Nationwide: $1205
                      • Plymouth Rock Insurance: $1396
                      • Progressive: $1142
                      • State Farm: $1097
                      • Tennessee Farmers: $1384
                      • Texas Farm Bureau: $1097
                      • USAA: $878
                      • Vermont Mutual: $1248

                        Cheap Car Insurance Quotes recommends shopping around for a policy if you want affordable insurance on Mercedes. The website notes that because Mercedes does not make exotic vehicles, you can obtain coverage for these models from any standard insurance company. Your personal driver profile is the biggest factor in your Mercedes auto insurance rates, and every insurer has its own method of calculating rates, which is why it’s so important to do comprehensive price comparison research.

                        You can also access insurance directly through Mercedes-Benz Financial Services with Liberty Mutual. While coverage may be more expensive than with other insurers, you benefit from streamlined service with your Mercedes login.

                        Check this out if you need additional information, resources, or guidance on car insurance.

                        Sources:

                        https://www.valuepenguin.com/mercedes-benz-car-insurance

                        https://www.cheapcarinsurancequotes.com/mercedes-benz-c-class-car-insurance/

                        https://www.thezebra.com/auto-insurance/vehicles/mercedes-benz/c-class/

                        https://www.caranddriver.com/car-insurance/

                        https://www.finder.com/car-insurance/mercedes-benz-car-insurance-rates

                        https://www.caranddriver.com/car-insurance/a36064352/mercedes-insurance/

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