Mercedes-Benz CLS400 Car Insurance Calculator

Learn visually how different factors affect the cost of insurance for a Mercedes-Benz CLS400. Customize driver gender, whether you're married or single, the state and city you live in, and homeowner status to learn how each affects rates. Instantly see why rates change and by how much.

The average estimated car insurance premium for a 2016 Mercedes-Benz CLS400 is $2,436 per year, or about $203 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,436

Cost Per Month

$203

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Mercedes-Benz CLS400 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Mercedes-Benz CLS400.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,436
Average Rate
Your Rate
$2,436

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Mercedes-Benz CLS400.

The 'Average Rate' is a combined value for all Mercedes-Benz CLS400 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 Mercedes-Benz CLS400 is $2,436.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 Mercedes-Benz CLS400 Segment Comparison

The table below compares insurance rates for the 2016 Mercedes-Benz CLS400 against all other models in the midsize luxury car segment. The Mercedes-Benz CLS400 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Mercedes-Benz CLS400, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Mercedes-Benz CLS400.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 Mercedes-Benz CLS400 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$818
2Acura ILX$1,686-$750
3Lexus IS 300$1,792-$644
4Volvo S80$1,834-$602
5Mercedes-Benz C350E$1,842-$594
6Lexus RC 300$1,856-$580
7Audi A3$1,888-$548
8Mercedes-Benz AMG CLA45$1,910-$526
9Lincoln MKZ$1,914-$522
10Lexus ES 300H$1,924-$512
11Audi A6$1,936-$500
12Mercedes-Benz CLA250$1,982-$454
13BMW 528i$2,020-$416
14Lexus GS 350$2,036-$400
15Mercedes-Benz E350$2,062-$374
16Audi S4$2,064-$372
17Mercedes-Benz SLK55 AMG$2,068-$368
18BMW 428xi$2,072-$364
19Jaguar XF$2,084-$352
20Cadillac ELR$2,090-$346
21Mercedes-Benz C450 AMG$2,100-$336
22BMW 428i$2,106-$330
23Audi S5$2,116-$320
24Hyundai Genesis$2,130-$306
25BMW 528xi$2,138-$298
26Infiniti Q50$2,144-$292
27BMW 535xi$2,150-$286
28BMW 435xi$2,174-$262
29Mercedes-Benz E250$2,192-$244
30Mercedes-Benz SL400$2,210-$226
31BMW Active 5$2,218-$218
32BMW 435i$2,224-$212
2016 Midsize Luxury Car Average$2,227-$209
33BMW 535d$2,250-$186
34Mercedes-Benz E400$2,300-$136
35BMW 535i$2,308-$128
36Mercedes-Benz E550$2,320-$116
37Audi S6$2,358-$78
38BMW 550i$2,362-$74
39Mercedes-Benz CLS400$2,436--
40BMW 550xi$2,452$16
41Mercedes-Benz SL550$2,456$20
42BMW 640i$2,490$54
43Audi A7$2,504$68
44BMW 640xi$2,510$74
45BMW M5$2,518$82
46Audi S7$2,522$86
47Tesla Model S$2,590$154
48Mercedes-Benz S550E$2,594$158
49BMW 650xi$2,610$174
50Lexus GS F$2,622$186
51BMW M6$2,796$360
52Mercedes-Benz SL63 AMG$2,876$440
53Mercedes-Benz SL65 AMG$3,584$1,148

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 CLS400 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 Mercedes-Benz CLS400.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 Mercedes-Benz CLS400 Insurance Rates by Trim Level
2016 Mercedes-Benz CLS400 Trim Level Annual Premium Cost Per Month
Coupe$2,426$202
4Matic Coupe$2,444$204

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 Mercedes-Benz CLS400 for different driver ages.

2016 Mercedes-Benz CLS400 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,679$723
17$8,428$702
18$7,587$632
19$6,889$574
20$5,281$440
21$5,037$420
22$4,513$376
23$3,685$307
24$3,488$291
25$2,832$236
30$2,596$216
35$2,500$208
40$2,436$203
45$2,274$190
50$2,152$179
55$2,006$167
60$2,014$168
65$2,150$179
70$2,320$193
75$2,724$227
80$3,358$280

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Mercedes-Benz CLS400 trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Mercedes-Benz CLS400.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Mercedes-Benz CLS400 Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2016 Mercedes-Benz CLS400$2,436$203
2015 Mercedes-Benz CLS400$2,204$184

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Mercedes-Benz CLS400 trim levels for each model year.