Car insurance for a Mercedes Benz in the United States usually costs more than insurance for many regular cars. On average, most drivers pay between $2,400 and $3,800 per year for full coverage on a Mercedes Benz. That equals about $200 to $315 per month. The final price depends on the model you drive, how old the car is, where you live, your driving record, and the coverage level you choose. Entry level models like the Mercedes Benz C Class cost less to insure, while luxury and performance models like the S Class, AMG trims, or the G Wagon cost much more.
Mercedes Benz vehicles cost more to insure because repair costs are high, parts are expensive, and many models include advanced safety and tech features that raise claim payouts. Insurance companies also consider theft rates, engine power, and replacement value. A newer Mercedes with full coverage will cost more than an older paid off model with liability only coverage.
That said, owning a Mercedes does not mean insurance is always out of reach. Many drivers lower their rates by choosing higher deductibles, using discounts, or switching providers. Some states also have lower average premiums, which helps reduce the total cost.
This guide explains Mercedes Benz insurance costs in detail. You will learn average prices by model, what affects your premium, how Mercedes compares to other luxury brands, and real ways to save money. If you plan to buy a Mercedes or already own one, this article gives clear answers in simple language so you can budget with confidence and avoid overpaying.
Average Mercedes Benz Insurance Cost in the USA
Most insurance studies show that Mercedes Benz vehicles cost 20 to 40 percent more to insure than the national average car.
National averages
- Average full coverage for all cars: about $2,000 per year
- Average full coverage for Mercedes Benz: about $3,000 per year
Average Monthly and Yearly Cost
| Coverage Type | Monthly Cost | Yearly Cost |
| Liability only | $120 to $190 | $1,450 to $2,300 |
| Full coverage | $200 to $315 | $2,400 to $3,800 |
These are national estimates. Your actual rate may be higher or lower.
Mercedes Benz Insurance Cost by Popular Models
Different Mercedes models have very different insurance prices. Below are common estimates for full coverage.
Entry Level and Sedan Models
| Model | Average Monthly Cost | Average Yearly Cost |
| Mercedes C Class | $180 to $230 | $2,200 to $2,750 |
| Mercedes E Class | $210 to $260 | $2,500 to $3,100 |
| Mercedes S Class | $300 to $380 | $3,600 to $4,600 |
SUV Models
| Model | Average Monthly Cost | Average Yearly Cost |
| Mercedes GLA | $190 to $240 | $2,300 to $2,900 |
| Mercedes GLC | $210 to $270 | $2,500 to $3,200 |
| Mercedes GLE | $240 to $310 | $2,900 to $3,700 |
| Mercedes G Wagon | $350 to $500 | $4,200 to $6,000 |
Performance and AMG Models
| Model | Average Monthly Cost | Average Yearly Cost |
| AMG C43 | $260 to $330 | $3,100 to $4,000 |
| AMG E63 | $320 to $420 | $3,800 to $5,000 |
| AMG GT | $400 to $600 | $4,800 to $7,200 |
Why Mercedes Benz Insurance Costs More
Mercedes Benz insurance costs more for several clear reasons.
High Repair Costs
Mercedes vehicles use premium materials and advanced engineering. Repairs require skilled labor and original parts, which cost more than standard parts.
Expensive Replacement Value
Insurance companies pay more if the car is totaled. A higher value car always leads to higher premiums.
Advanced Technology
Features like adaptive cruise control, sensors, and cameras increase repair costs after even small accidents.
Theft Risk
Luxury vehicles have higher theft rates in many metro areas. This raises comprehensive coverage costs.
Performance Power
Many Mercedes models have strong engines. Insurers view faster cars as higher risk.
Mercedes Benz Insurance Cost by State
Where you live matters a lot. Below are estimated full coverage costs by state.
| State | Average Yearly Cost |
| California | $3,200 |
| Texas | $2,900 |
| Florida | $3,600 |
| New York | $3,800 |
| Illinois | $3,100 |
| Ohio | $2,400 |
| North Carolina | $2,300 |
Urban areas with high traffic and theft usually cost more.
How Driver Profile Affects Mercedes Insurance?
Insurance companies price drivers as much as cars.
Age
- Under 25 drivers pay the most
- Drivers aged 30 to 55 pay the least
- Seniors may see higher rates after age 70
Driving Record
- One accident can raise rates 30 to 50 percent
- Speeding tickets raise rates about 20 percent
Credit Score
In many states, good credit lowers insurance costs. Poor credit can double premiums.
Annual Mileage
Lower mileage often means lower risk and lower cost.
Full Coverage vs Liability Only for Mercedes Benz
Full Coverage
Includes liability, collision, and comprehensive. Required if the car is financed or leased.
Liability Only
Covers damage you cause to others. No coverage for your own car.
Cost comparison
- Full coverage costs much more
- Liability only may save money on older Mercedes models
If your Mercedes is paid off and older than 8 years, liability only may make sense.
Mercedes Benz vs Other Luxury Brands Insurance Cost
| Brand | Average Yearly Cost |
| Mercedes Benz | $3,000 |
| BMW | $2,900 |
| Audi | $2,800 |
| Lexus | $2,400 |
| Tesla | $3,400 |
Mercedes costs more than Lexus but is close to BMW and Audi.
How to Lower Mercedes Benz Insurance Cost?
You can reduce your premium with smart choices.
Choose a Higher Deductible
A $1,000 deductible costs less than $500 deductible.
Bundle Insurance
Home and auto bundles save up to 25 percent.
Use Discounts
- Safe driver
- Multi car
- Low mileage
- Anti theft devices
Compare Providers
Rates vary widely between companies.
Consider Usage Based Insurance
If you drive less, this may help. Learn more from our guide on pay as you go car insurance.
Is Mercedes Benz Insurance Worth the Cost?
Mercedes Benz vehicles offer comfort, safety, and status. Insurance costs are higher, but many owners feel the value matches the price. The key is choosing the right coverage and shopping smart.
Mercedes Benz Insurance for Young Drivers
Young drivers pay the highest rates. A 20 year old driver may pay over $5,000 per year. Adding a young driver to a family policy can help lower costs. Learn more in how age affects car insurance prices.
Best Coverage Options for Mercedes Benz Owners
- Bodily injury liability
- Property damage liability
- Collision coverage
- Comprehensive coverage
- Gap insurance for financed vehicles
If you finance a Mercedes, gap insurance can protect you. See is gap insurance worth it.
Frequently Asked Questions
Yes. Mercedes Benz insurance usually costs more than average cars because repair parts are expensive and labor costs are higher.
The Mercedes Benz C Class and Mercedes Benz GLA usually have the lowest insurance costs among Mercedes models.
In most cases, Mercedes Benz insurance costs are slightly higher than BMW, but the difference depends on the model and driver profile.
Yes. You can choose liability only coverage if the car is fully paid off and your state laws allow it.
Yes. Drivers in large cities and high traffic areas usually pay more than drivers in small towns.
Safety features help reduce accident risk, but repair costs still keep premiums higher.
Yes. AMG models have powerful engines and higher repair costs, which leads to higher insurance premiums.
Young drivers pay the highest rates. Adding them to a family policy may help reduce costs.
Final Thoughts
Related Articles
Mercedes Benz car insurance costs more than standard vehicles, but the price depends on the model, your location, and your driving history. Entry level Mercedes models cost less to insure, while luxury and performance models come with higher premiums. You can still lower your insurance bill by choosing the right coverage, using discounts, and comparing quotes from multiple providers. Smart planning helps you enjoy your Mercedes without overpaying for insurance. For drivers who want clear options, fair pricing, and fast comparisons from trusted companies, Alias Insurance helps make Mercedes Benz insurance easier and more affordable.
