Compare Mercedes Car Insurance Rates [2023]

Mercedes full coverage car insurance costs $181 monthly, making it important to compare Mercedes car insurance rates to find savings. Luxury car insurance is more expensive since luxury cars are expensive to repair and replace.

However, since rates vary by Mercedes model, you could find lower rates with a certain model. For example, while a Mercedes GLC costs $174 monthly for full coverage, you could pay $160 for a Mercedes E300.

Before buying a policy, shop around to find the best auto insurance for Mercedes-Benz with the cheapest rates. Keep reading to learn more about Mercedes car insurance and compare Mercedes car insurance rates by model.

Compare Mercedes Car Insurance Rates

A car’s make and model impact insurance rates (learn about the difference between car make and model). Mercedes is a luxury car manufacturer, so car insurance rates are higher than for less-expensive vehicles. In addition, there’s a significant cost difference between specific Mercedes models. Since these cars cost more to repair, auto insurance companies charge higher rates.

This table shows the average monthly car insurance rates for various Mercedes models:

While liability auto insurance coverage is only around $37 a month, it doesn’t include coverage for damages to your Mercedes. The best full coverage car insurance is about $165 a month. Remember that you may be required to carry full coverage if you have a car loan or lease.

Mercedes GLA 250 Car Insurance Rates

The car insurance rates for a Mercedes GLA 250 are slightly higher than rates for the C300. However, the GLA 250 is an SUV, which typically comes with higher insurance rates. Full coverage car insurance for the GLA 250 is around $170 a month.

Mercedes GLC 300 Car Insurance Rates

Mercedes GLC insurance costs more as an SUV model, so insurance rates are also higher than the GLA 250. Expect full coverage auto insurance to cost around $174 monthly for the GLC 300.

Mercedes CLA 250 Car Insurance Rates

The Mercedes CLA 250 is a coupe, and, as a sports car, car insurance rates are generally more expensive. The CLA 250 is the second most expensive model on our list to insure.

Full coverage for the CLA 250 is around $178 monthly. It’s also important to remember that multiple versions of each model exist. For example, the CLA 250 4MATIC Coupe is more expensive and has higher insurance rates.

Mercedes GLE 350 Car Insurance Rates

The Mercedes GLE 350 is the most expensive model on our list. While this is also an SUV, the MSRP is higher than the GLA 250 and the GLC 300.

As the most expensive Mercedes model on our list, full coverage car insurance for the GLE 350 is around $189 a month.

Factors Affecting Mercedes Car Insurance Rates

Luxury car insurance rates are significantly higher than rates for standard vehicles. The car’s model affects insurance rates since MSRPs and vehicle types vary. For example, sports cars and large SUVs typically have higher insurance rates than sedans.

In addition, other factors affect the cost of car insurance. Your age, driving record, coverage, and ZIP code significantly impact your rates. For example, even if your model’s average Mercedes auto insurance rates are low, a bad driving record can dramatically increase rates.

Young drivers’ car insurance rates can be much higher than rates for adults. So, a young driver insuring a high-end Mercedes pays much more than an adult with a clean driving record. So, it’s vital to compare car insurance rates by age and gender to find an affordable Mercedes policy for you.

Mercedes Car Insurance Savings Tips

While Mercedes auto insurance rates can be expensive, there are ways to get affordable Mercedes car insurance, including:

• Consider your policy. While most Mercedes owners need full coverage, they could raise their car insurance deductible for lower rates. A deductible is what you pay before insurance kicks in. While a high deductible means low rates, ensure you don’t raise it to an amount you can’t afford.
• Locate discounts. Look for eligible car insurance discounts for lower rates. Insurers offer many discounts based on the driver, policy, and vehicle. For example, Mercedes models have excellent safety ratings and features. So, Mercedes drivers could get safety features car insurance discounts.
• Participate in telematics program. Most large insurance companies have usage-based auto insurance programs to monitor driving habits and offer a discount based on safe driving.
• Improve driving habits. Avoid traffic violations, filing car insurance claims, and getting in accidents for lower Mercedes car insurance rates. Most states remove infractions from your driving record in three to five years.
• Shop around. Compare Mercedes car insurance quotes, Mercedes car insurance coverage options, and discounts from multiple companies to find the right coverage for you.

If you follow the Mercedes car insurance savings tips above, it shouldn’t be difficult to find the best car insurance for your Mercedes-Benz.

Comparing Mercedes Car Insurance Rates

Mercedes car insurance is more expensive than average. However, rates depend on the driver and the vehicle model. Cars with a higher MSRP and are costly to repair have higher insurance rates than less expensive models.

Mercedes drivers can save on car insurance by adding discounts, participating in telematics programs, and keeping a clean driving record.

The best way to find affordable Mercedes car insurance is to shop around and determine rates with the Mercedes-Benz premium calculator. Each insurance company charges different rates, so compare Mercedes car insurance rates to find your best deal.