2020 Mercedes-Benz CLS450 Car Insurance Calculator

Discover how life choices impact the insurance cost for a 2020 Mercedes-Benz CLS450. Customize rate factors like your marital status, location, homeowner status, and credit rating. Instantly know whether your selection increases or decreases your premium.

The average estimated car insurance premium for a 2020 Mercedes-Benz CLS450 is $2,700 per year, or about $225 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

$2,700

Cost Per Month

$225

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 CLS450 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 2020 Mercedes-Benz CLS450.

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.

$2,700
Average Rate
Your Rate
$2,700

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.

The 'Average Rate' is a combined value for all 2020 Mercedes-Benz CLS450 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 2020 Mercedes-Benz CLS450 is $2,700.

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.

2020 Mercedes-Benz CLS450 Segment Comparison

The table below compares insurance rates for the 2020 Mercedes-Benz CLS450 against all other models in the midsize luxury car segment. The Mercedes-Benz CLS450 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 CLS450, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Mercedes-Benz CLS450.

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

2020 Mercedes-Benz CLS450 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,886-$814
2Lexus RC 300$2,168-$532
3Mercedes-Benz SLC300$2,230-$470
4Lexus ES 350$2,238-$462
5Lincoln MKZ$2,248-$452
6Mercedes-Benz AMG CLA45$2,268-$432
7Jaguar XE$2,272-$428
8Lexus IS 300$2,276-$424
9Audi A3$2,316-$384
10Cadillac CT5$2,354-$346
11Audi S5$2,414-$286
12Lexus GS 350$2,478-$222
13Mercedes-Benz E350$2,488-$212
14Lexus ES 300H$2,526-$174
15Audi S4$2,550-$150
16BMW 530i$2,558-$142
17BMW 540i$2,582-$118
18Mercedes-Benz CLA250$2,598-$102
19Genesis G80$2,604-$96
20Audi A6$2,614-$86
21Mercedes-Benz E450$2,644-$56
22BMW 430i$2,666-$34
23Mercedes-Benz CLS450$2,700--
24Jaguar XF$2,702$2
2020 Midsize Luxury Car Average$2,704$4
25BMW 440i$2,796$96
26Mercedes-Benz AMG C43$2,804$104
27Mercedes-Benz SL450$2,822$122
28Audi RS 5$2,838$138
29Audi S6$2,898$198
30Infiniti Q50$2,926$226
31BMW 530e$2,942$242
32Lexus GS F$3,016$316
33Mercedes-Benz AMG C63$3,056$356
34BMW M550i$3,110$410
35Mercedes-Benz SL550$3,136$436
36Tesla Model S$3,192$492
37Audi A7$3,236$536
38Lexus LC 500H$3,320$620
39Audi S7$3,444$744
40BMW M8$3,448$748
41BMW M5$3,494$794

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.

2020 CLS450 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 Mercedes-Benz CLS450.

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.

2020 Mercedes-Benz CLS450 Insurance Rates by Trim Level
2020 Mercedes-Benz CLS450 Trim Level Annual Premium Cost Per Month
4-Door Coupe$2,668$222
4Matic Coupe$2,732$228

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 2020 Mercedes-Benz CLS450 for different driver ages.

2020 Mercedes-Benz CLS450 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,640$803
17$9,380$782
18$8,477$706
19$7,680$640
20$5,890$491
21$5,616$468
22$5,031$419
23$4,093$341
24$3,879$323
25$3,146$262
30$2,886$241
35$2,770$231
40$2,700$225
45$2,516$210
50$2,380$198
55$2,224$185
60$2,232$186
65$2,386$199
70$2,568$214
75$3,010$251
80$3,722$310

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 CLS450 trim levels.