Most drivers pay between $220 and $360 per month for full coverage Mercedes Benz. The exact price depends on the model you drive, your age, your driving record, where you live, and the type of coverage you choose. Entry level models like the C Class usually cost less to insure, while luxury SUVs and AMG performance cars cost much more each month.
Mercedes Benz vehicles cost more to insure than many other brands because they are luxury cars. They have higher repair costs, advanced safety technology, expensive parts, and strong engines. Insurance companies look at all these factors when they set your monthly rate. If repairs cost more, the insurance bill also goes up.
For example, a Mercedes C Class may cost around $230 to $260 per month for full coverage. A Mercedes E Class or GLC SUV may cost $270 to $310 per month. High performance models like AMG cars can go above $400 per month in some states. Liability only insurance is cheaper, but most lenders require full coverage if the car is financed or leased.
Your location also plays a big role. Drivers in states like Michigan, Florida, California, and New York often pay more due to higher accident rates and repair costs. Your age matters too. Younger drivers pay more, while drivers over 30 with clean records usually get better monthly prices.
Average Monthly Car Insurance Cost for Mercedes Benz
On average, Mercedes Benz insurance costs more than standard brands like Toyota or Honda.
National Average Cost
| Coverage Type | Average Monthly Cost |
| Liability only | $120 to $160 |
| Full coverage | $220 to $360 |
Full coverage includes liability, collision, and comprehensive insurance. Most Mercedes owners choose this because of the high value of the car.
According to data from the Insurance Information Institute, luxury vehicles cost up to 30 percent more to insure than non luxury cars due to repair and replacement expenses.
Mercedes Benz Insurance Cost by Popular Models
Not all Mercedes models cost the same to insure. Here is a clear breakdown of common models.
Mercedes Benz Sedan Insurance Costs
| Model | Average Monthly Cost |
| C Class | $230 to $260 |
| E Class | $270 to $300 |
| S Class | $330 to $380 |
| CLA Class | $220 to $250 |
| A Class | $210 to $240 |
Smaller sedans cost less because they are cheaper to repair and replace.
Mercedes Benz SUV Insurance Costs
| Model | Average Monthly Cost |
| GLA | $240 to $270 |
| GLC | $260 to $300 |
| GLE | $290 to $340 |
| GLS | $320 to $380 |
| G Wagon | $420 to $520 |
The G Wagon is one of the most expensive Mercedes models to insure due to its high value and repair cost.
Mercedes AMG Insurance Costs
| Model | Average Monthly Cost |
| AMG C43 | $350 to $420 |
| AMG E63 | $420 to $520 |
| AMG GT | $480 to $600 |
AMG models cost more because of speed, performance, and higher accident risk.
Mercedes Benz Insurance Cost by Age
Age is one of the strongest pricing factors.
Monthly Cost by Driver Age
| Age Group | Average Monthly Cost |
| 18 to 20 | $420 to $550 |
| 21 to 24 | $340 to $450 |
| 25 to 29 | $280 to $360 |
| 30 to 45 | $220 to $300 |
| 50 plus | $200 to $270 |
Younger drivers pay more because insurers see them as higher risk.
Mercedes Benz Insurance Cost by State
Your state changes your monthly premium a lot.
States with Higher Mercedes Insurance Costs
- Michigan
- Florida
- California
- New York
- Louisiana
States with Lower Mercedes Insurance Costs
- Ohio
- Idaho
- Vermont
- Maine
- North Dakota
For example, a Mercedes C Class in California may cost $300 per month, while the same car in Ohio may cost $220.
Mercedes Insurance Cost by Driver Age
Mercedes Benz insurance is higher for clear reasons.
Main Cost Factors
- High repair costs
- Luxury replacement parts
- Advanced technology
- Powerful engines
- Higher theft risk
- Expensive sensors and cameras
Even a small accident can cost thousands to repair.
Full Coverage vs Liability Only for Mercedes Benz
Choosing the right coverage matters.
Liability Only
- Covers damage you cause to others
- Cheapest option
- No coverage for your car
- Not allowed for financed vehicles
Full Coverage
- Covers your car and others
- Required for leased or financed cars
- Higher monthly cost
- Best protection for luxury vehicles
Most Mercedes owners choose full coverage for peace of mind.
How Driving Record Affects Mercedes Insurance?
Your record has a big impact.
Clean Record
- Lowest rates
- More discounts
- Stable monthly payments
One Speeding Ticket
- Rate increase of 20 to 30 percent
At Fault Accident
- Rate increase of 40 to 60 percent
DUI
- Rate can double
How to Lower Mercedes Benz Insurance Per Month?
You can still save money even with a luxury car.
Smart Ways to Save
- Compare quotes from multiple companies
- Increase your deductible
- Bundle auto and home insurance
- Maintain a clean driving record
- Install safety and anti theft devices
- Ask for low mileage discounts
Best Coverage Add Ons for Mercedes Benz
Luxury cars need extra protection.
Recommended Add Ons
- Gap insurance
- Rental reimbursement
- Roadside assistance
- New car replacement
- OEM parts coverage
Should You Choose Monthly or Annual Payments?
Monthly payments are easier but cost more overall.
Monthly Payment Pros
- Lower upfront cost
- Flexible budgeting
Annual Payment Pros
- Lower total cost
- Fewer fees
FAQs About Mercedes Benz Insurance Costs
Most drivers pay between $220 and $360 per month depending on the model and location.
Yes. Mercedes costs more than average due to luxury parts and higher repair costs.
The A Class and C Class usually have the lowest insurance rates.
Yes. Drivers under 25 pay much higher monthly premiums.
Some companies offer it, but approval depends on credit and driving history.
Yes. AMG models cost much more due to speed and performance risk.
Final Thoughts
Mercedes Benz insurance costs more per month, but the right coverage protects your investment. Comparing quotes, choosing smart add ons, and keeping a clean driving record can reduce your monthly bill. A luxury car needs strong protection, and making the right insurance choice matters. At the end of the day, using a trusted comparison platform like Alias Insurance helps you find better coverage at a fair monthly price without stress.
