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

The average cost of a full-coverage insurance policy for a Mercedes is $4,505 per year. Expensive cars like Mercedes tend to be more expensive to insure because they cost more to repair and replace.


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Mercedes-Benz insurance cost by model

The cheapest Mercedes to insure is the GLA 250. The average cost to insure a new Mercedes GLA 250 is $3,153 per year for a 30-year-old man with a clean driving history. The most expensive Mercedes model to insure is the AMG GT S, at $6,818 per year.

Cost to insure a Mercedes by model

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Mercedes Benz car insurance cost by model

Model
Annual rates
Monthly rates
GLA 250$3,153$263
GLC 300$3,259$272
GLE 350$3,287$274
CLA 250$3,733$311
C 300$3,901$325
C 63 AMG (2021)$5,190$433
G 63 AMG (2021)$5,504$459
G550 4MATIC$5,697$475
AMG GT (2021)$6,818$568
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Mercedes-Benz insurance cost by company

State Farm offers the cheapest coverage for Mercedes-Benz vehicles, at an average of $2,166 per year for full coverage. That's less than half the overall average, $4,133 per year, and less than a third of the most expensive insurer, Progressive.

Graph showing the average cost of Ford insurance by company

Cost to insure a Mercedes-Benz by company

Company
Annual cost
Monthly cost
State Farm logo
State Farm$2,047$171
Geico WordPress DATA!!! Another change logo
Geico$2,465$205
Nationwide logo
Nationwide$2,531$211
Progressive logo
Progressive$4,248$354
Allstate logo
Allstate$5,152$429
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USAA is only available to members of the military and some military family.

Mercedes C300 insurance cost

The average annual cost for a car insurance policy for a new Mercedes C300 is $3,901 per year for a 30-year-old man. This is more than $500 cheaper than the overall average we found. Younger drivers can expect to pay a lot more for a full-coverage policy, as we found the average cost to be $13,352 per year for an 18-year-old.

Mercedes C300 annual auto insurance rates by year

Year & Model
Annual cost for a 30-year-old
2022 Mercedes C 300$3,901
2021 Mercedes C 300$3,732
2020 Mercedes C 300$3,598
2019 Mercedes C 300$3,556
2018 Mercedes C 300$3,405
2017 Mercedes C 300$3,261
2016 Mercedes C 300$3,104
2015 Mercedes C 300$2,408
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Mercedes AMG GT insurance cost

The Mercedes AMG GT had the most expensive insurance rates we found. The average insurance cost for a 2021 Mercedes AMG GT S is $6,818 per year for a 30-year-old. The average cost to insure an 18-year-old comes in at $22,524 per year.

Mercedes AMG GT annual auto insurance rates by year

Year & Model
Annual cost for a 30-year-old
2021 Mercedes AMG GT$6,818
2020 Mercedes AMG GT$6,405
2019 Mercedes AMG GT$6,175
2018 Mercedes AMG GT$6,495
2017 Mercedes AMG GT$5,725
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With an MSRP of $118,600, the 2021 AMG GT ranked as the second-most expensive car we surveyed. It fell behind the 2021 G 550, which has an MSRP of $131,750.

Mercedes GLA 250 insurance cost

With an average cost of $3,153 per year for a 30-year-old, the Mercedes GLA 250 offers the cheapest insurance out of all the Mercedes models surveyed. This is $1,352 per year cheaper than the Mercedes average of $4,505 per year. The average cost for an 18-year-old to insure a GLA 250 is $10,934 per year.

Mercedes GLA 250 annual auto insurance rates by year

Year & Model
Annual cost for a 30-year-old
2022 Mercedes G550 4MATIC$3,153
2021 Mercedes G550 4MATIC$3,024
2020 Mercedes G550 4MATIC$2,942
2019 Mercedes G550 4MATIC$2,807
2018 Mercedes G550 4MATIC$2,606
2017 Mercedes G550 4MATIC$2,481
2016 Mercedes G550 4MATIC$2,408

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Mercedes CLA 250 insurance cost

Our survey of quotes found that the average cost of insurance for a new Mercedes CLA 250 is $3,733 per year for a 30-year-old, though insurance rates varied by $950 across model years.

Mercedes CLA 250 annual auto insurance rates by year

Year & Model
Annual cost for a 30-year-old
2022 Mercedes CLA 250$3,733
2021 Mercedes CLA 250$3,577
2020 Mercedes CLA 250$3,460
2019 Mercedes CLA 250$3,156
2018 Mercedes CLA 250$3,037
2017 Mercedes CLA 250$2,854
2016 Mercedes CLA 250$2,783
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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 $3,259 per year for a 30-year-old with the newest model. Drivers of a newer GLC 300 can expect to pay more, as there is a $791 difference between the cost to insure a 2022 model versus a 2016 model.

Mercedes GLC 300 annual auto insurance rates by year

Year & Model
Annual cost for a 30-year-old
2022 Mercedes GLC 300$3,259
2021 Mercedes GLC 300$3,123
2020 Mercedes GLC 300$3,029
2019 Mercedes GLC 300$2,944
2018 Mercedes GLC 300$2,794
2017 Mercedes GLC 300$2,590
2016 Mercedes GLC 300$2,468
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Mercedes GLE 350 insurance cost

On average, it costs a 30-year-old male $3,287 per year to insure a new 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 $10,276 per year.

Mercedes GLE 350 annual auto insurance rates by year

Year & Model
Annual cost for a 30-year-old
2022 Mercedes GLE 350$3,287
2021 Mercedes GLE 350$3,401
2020 Mercedes GLE 350$3,318
2018 Mercedes GLE 350$3,153
2017 Mercedes GLE 350$2,999
2016 Mercedes GLE 350$2,832

2019 model data not available

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Mercedes C63 AMG insurance cost

Our survey found that the average cost of insurance for a 2021 Mercedes C63 AMG is $5,190 per year for a 30-year-old. This is $685 more than the average overall. An average full-coverage policy costs $17,711 per year for an 18-year-old driver.

Mercedes C63 AMG annual auto insurance rates by year

Year & Model
Annual cost for a 30-year-old
2021 Mercedes C 63 AMG$5,190
2020 Mercedes C 63 AMG$4,799
2019 Mercedes C 63 AMG$4,629
2018 Mercedes C 63 AMG$4,645
2017 Mercedes C 63 AMG$4,337
2016 Mercedes C 63 AMG$4,161
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Mercedes G550 4MATIC insurance cost

The Mercedes G550 4MATIC has an MSRP of more than $130,000 and one of the highest insurance rates we found among Mercedes. The average cost of insurance for a new G wagon is $5,697 per year for a 30-year-old, and $17,970 per year for an 18-year-old.

Mercedes G550 4MATIC annual auto insurance rates by year

Year & Model
Annual cost for a 30-year-old
2022 Mercedes G550 4MATIC5696.544
2021 Mercedes G550 4MATIC$5,479
2020 Mercedes G550 4MATIC$5,363
2019 Mercedes G550 4MATIC$5,106
2018 Mercedes G550 4MATIC$5,013
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Mercedes G 63 AMG insurance cost

The G 63 AMG is one of the most expensive Mercedes models and among the three most expensive to insure. The 2021 model has an average rate of $5,190 per year for a 30-year-old, cheaper than only the G550 4MATIC and AMG GT.

Mercedes G 63 AMG annual auto insurance rates by year

Year & Model
Annual cost for a 30-year-old
2021 Mercedes G63 AMG$5,504
2020 Mercedes G63 AMG$5,294
2019 Mercedes G63 AMG$5,621
2018 Mercedes G63 AMG$5,146
2017 Mercedes G63 AMG$4,897
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Methodology

Our two sample drivers were a 30-year-old man and an 18-year-old man. 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

Overall average includes the most recent models for which data is available. Average by company includes all available rates for 2021 and 2022 models.

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.