2022 Mercedes-Benz CLS450 Car Insurance Calculator

Understand how changing risk factors affect the cost of insurance for a 2022 Mercedes-Benz CLS450. Experiment with factors like CLS450 trim level, driving record, policy coverages, and annual miles driven. Instantly see if your choice raised or lower rates and learn why.

The average estimated car insurance premium for a 2022 Mercedes-Benz CLS450 is $2,896 per year, or about $241 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

$2,896

Cost Per Month

$241

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 2022 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.

$2,896
Average Rate
Your Rate
$2,896

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 2022 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 2022 Mercedes-Benz CLS450 is $2,896.

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.

2022 Mercedes-Benz CLS450 Segment Comparison

The table below compares insurance rates for the 2022 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.

2022 Mercedes-Benz CLS450 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,968-$928
2Lexus RC 300$2,370-$526
3Mercedes-Benz AMG CLA35$2,424-$472
4BMW i4$2,438-$458
5Cadillac CT5$2,446-$450
6Audi A3$2,472-$424
7Mercedes-Benz AMG CLA45$2,482-$414
8Mercedes-Benz CLA250$2,494-$402
9Lexus ES 250$2,504-$392
10Lexus IS 300$2,510-$386
11Lexus ES 350$2,518-$378
12Audi S5$2,596-$300
13Audi S4$2,612-$284
14BMW 530i$2,650-$246
15Lexus ES 300h$2,660-$236
16Genesis G80$2,674-$222
17Mercedes-Benz E350$2,676-$220
18BMW 530e$2,702-$194
19BMW 540i$2,708-$188
20BMW M440i$2,720-$176
21Mercedes-Benz E450$2,732-$164
22Audi A6$2,804-$92
23Jaguar XF$2,812-$84
2022 Midsize Luxury Car Average$2,819-$77
24Lexus IS 500$2,846-$50
25BMW 430i$2,876-$20
26Mercedes-Benz CLS450$2,896--
27Infiniti Q50$3,008$112
28Audi RS 5$3,040$144
29Mercedes-Benz AMG C43$3,060$164
30Audi S6$3,082$186
31Mercedes-Benz AMG C63$3,156$260
32Audi A7$3,252$356
33BMW M550i$3,282$386
34Lexus LC 500h$3,348$452
35Tesla Model S$3,408$512
36Audi S7$3,526$630
37BMW M8$3,656$760
38BMW M5$3,696$800

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.

2022 CLS450 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 Mercedes-Benz CLS450 Insurance Rates by Trim Level
2022 Mercedes-Benz CLS450 Trim Level Annual Premium Cost Per Month
4Matic Coupe$2,874$240
4Matic Premium$2,918$243

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 2022 Mercedes-Benz CLS450 for different driver ages.

2022 Mercedes-Benz CLS450 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$10,286$857
17$10,022$835
18$9,084$757
19$8,220$685
20$6,314$526
21$6,020$502
22$5,403$450
23$4,384$365
24$4,162$347
25$3,372$281
30$3,096$258
35$2,970$248
40$2,896$241
45$2,698$225
50$2,548$212
55$2,382$199
60$2,390$199
65$2,554$213
70$2,746$229
75$3,212$268
80$3,966$331

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.