Mercedes Car Insurance

Mercedes-Benz Insurance: What it Costs, and How to Save

Mercedes-Benz Insurance: What it Costs, and How to Save

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It’s no surprise that the cost to insure a luxury Mercedes-Benz vehicle can be expensive. Based on the eight models we analyzed for this survey, we found that the average cost of a full-coverage insurance policy for a Mercedes is $4,201 per year for our sample driver.

Cars that are higher in value, like Mercedes, tend to be more expensive to insure because they cost more to repair and replace.

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In comparison to other luxury car brands, the average cost of insurance for the eight Mercedes models we surveyed was $152 more compared to the eight BMW models we analyzed.

Mercedes-Benz insurance cost: by model

Of the eight models we surveyed, the cheapest Mercedes to insure with full coverage is the GLA 250. For a 30-year-old male with no previous incidents, the average cost to insure a Mercedes GLA 250 is $2,318 per year. The most expensive Mercedes model to insure is the AMG GT S, at $8,081 per year.

Cost to insure a Mercedes by model

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It’s important to note that the cost of car insurance may vary significantly based on location, age and driver history. We recommend that you compare rates from multiple insurers to find the best deal.

Rank
Model
Average annual premium
1GLA 250$2,318
2GLC 300$2,601
3GLE 350$3,216
4CLA 250$3,436
5C 300$3,653
6C 63 AMG$5,140
7G550 4MATIC$5,162
8AMG GT S$8,081

Mercedes C300 insurance cost

Across the five model years we considered for this survey, the average cost for a car insurance policy for a Mercedes C300 is $3,653 per year for our 30-year-old male sample driver. This is $548 cheaper than the average of the eight models we surveyed. Younger drivers can expect to pay a lot more for a full-coverage policy, as we found the average cost to be $8,817 per year for an 18-year-old.

Year & Model
Annual cost for a 30-year-old
Annual cost for an 18-year-old
2020 Mercedes C300$4,114$9,888
2019 Mercedes C300$3,864$9,292
2018 Mercedes C300$3,858$9,376
2017 Mercedes C300$3,403$8,196
2016 Mercedes C300$3,027$7,333
Average$3,653$8,817

Mercedes AMG GT S insurance cost

The Mercedes AMG GT S had the most expensive insurance rates out of all eight models surveyed. For our sample driver, we found that the average insurance cost for a Mercedes AMG GT S is $8,081 per year. The average cost to insure an 18-year-old comes in at $19,325 per year.

Year & Model
Annual cost for a 30-year-old
Annual cost for an 18-year-old
2020 Mercedes AMG GT S$9,666$23,239
2019 Mercedes AMG GT S$9,058$21,748
2018 Mercedes AMG GT S$8,143$19,354
2017 Mercedes AMG GT S$7,039$16,876
2016 Mercedes AMG GT S$6,498$15,409
Average$8,081$19,325

With an MSRP of $99,950, the 2020 AMG GT S ranked as the second-most expensive car we surveyed. It fell behind the 2020 G 550, which has an MSRP of $130,900.

Mercedes GLA 250 insurance cost

With an average cost of $2,318 per year for a 30-year-old, the Mercedes GLA 250 offers the cheapest insurance out of all the Mercedes models surveyed. This is $1,883 cheaper than the Mercedes average of $4,201 per year. The average cost for an 18-year-old to insure a GLA 250 is $5,838 per year.

Year & Model
Annual cost for a 30-year-old
Annual cost for an 18-year-old
2020 Mercedes G550 4MATIC$2,812$6,981
2019 Mercedes G550 4MATIC$2,551$6,319
2018 Mercedes G550 4MATIC$2,272$5,577
2017 Mercedes G550 4MATIC$2,144$5,202
2016 Mercedes G550 4MATIC$2,101$5,111
Average$2,318$5,838

Mercedes CLA 250 insurance cost

Our survey of quotes found that the average cost of insurance for the Mercedes CLA 250 is $3,436 per year for a 30-year-old, though insurance rates varied by $1,321 across model years.

Year & Model
Annual cost for a 30-year-old
Annual cost for an 18-year-old
2020 Mercedes CLA 250$5,928$14,132
2019 Mercedes CLA 250$5,524$13,284
2018 Mercedes CLA 250$5,157$12,312
2017 Mercedes CLA 250$4,698$11,268
2016 Mercedes CLA 250$4,391$10,445
Average$3,436$8,338

Mercedes GLC 300 insurance cost

The Mercedes GLC 300 has the second-cheapest insurance rates out of the cars we surveyed, with an average cost of $2,601 per year for a 30-year-old. Drivers of a newer GLC 300 can expect to pay more, as there is a $552 difference between the cost to insure a 2020 model versus a 2016 model.

Year & Model
Annual cost for a 30-year-old
Annual cost for an 18-year-old
2020 Mercedes GLC 300$2,865$7,008
2019 Mercedes GLC 300$2,716$6,638
2018 Mercedes GLC 300$2,708$6,672
2017 Mercedes GLC 300$2,404$5,820
2016 Mercedes GLC 300$2,313$5,604
Average$2,601$6,349

Mercedes GLE 350 insurance cost

On average, it costs a 30-year-old male $3,216 per year to insure a Mercedes GLE 350. This makes the GLE 350 the third-cheapest Mercedes to insure out of the models we surveyed. While the rates for a 30-year-old are very affordable, younger drivers can expect to pay more, as an 18-year-old has to pay on average $7,750 per year.

Year & Model
Annual cost for a 30-year-old
Annual cost for an 18-year-old
2020 Mercedes GLE 350$3,677$8,888
2018 Mercedes GLE 350$3,218$7,792
2017 Mercedes GLE 350$3,049$7,325
2016 Mercedes GLE 350$2,917$6,993
Average$3,216$7,750

2019 model data not available

Mercedes C63 AMG insurance cost

Our survey found that the average cost of insurance for a Mercedes C63 AMG is $5,140 per year for a 30 year-old. This is $939 more than the average cost of insurance for the eight models surveyed. An average full-coverage policy costs $12,288 per year for an 18-year-old driver.

Year & Model
Annual cost for a 30-year-old
Annual cost for an 18-year-old
2020 Mercedes C63 AMG$5,928$14,132
2019 Mercedes C63 AMG$5,524$13,284
2018 Mercedes C63 AMG$5,157$12,312
2017 Mercedes C63 AMG$4,698$11,268
2016 Mercedes C63 AMG$4,391$10,445
Average$5,140$12,288

Mercedes G550 4MATIC insurance cost

Despite having the highest MSRP for the 2020 model, the Mercedes G550 4MATIC has a very similar insurance rate to the C63 AMG. The average cost of insurance for the G wagon is $5,162 per year for a 30-year-old, and $12,112 per year for an 18-year-old.

Unlike the majority of Mercedes we surveyed, the cost to insure a G550 4MATIC does not uniformly decrease for older year models. The most expensive G550 4MATIC to insure is the 2018 model.

Year & Model
Annual cost for a 30-year-old
Annual cost for an 18-year-old
2020 Mercedes G550 4MATIC$5,438$12,736
2019 Mercedes G550 4MATIC$4,935$11,671
2018 Mercedes G550 4MATIC$6,000$13,954
2017 Mercedes G550 4MATIC$5,268$12,400
2016 Mercedes G550 4MATIC$4,170$9,797
Average$5,162$12,112

Methodology

Our two sample drivers were a 30-year-old male and an 18-year-old male. The rates we used for this survey included a full-coverage policy with the following limits:

Coverage
Limits
Bodily injury liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

Our survey used insurance rate data from Quadrant Information Services. The rates used were publicly sourced from insurer filings and should only be used for comparative purposes. Actual quotes for these car models may differ from the estimates provided.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

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