2023 Mercedes-Benz CLS450 Car Insurance Calculator

See and learn how changing risk factors impact the cost of car insurance for a 2023 Mercedes-Benz CLS450. Customize policy discounts, trim level options, driving record, and coverage amounts to learn how each affects rates. Know immediately whether your choice results in cheaper or more expensive rates.

The average estimated car insurance premium for a 2023 Mercedes-Benz CLS450 is $2,968 per year, or about $247 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

$2,968

Cost Per Month

$247

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 2023 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.

$2,968
Average Rate
Your Rate
$2,968

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 2023 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 2023 Mercedes-Benz CLS450 is $2,968.

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.

2023 Mercedes-Benz CLS450 Segment Comparison

The table below compares insurance rates for the 2023 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.

2023 Mercedes-Benz CLS450 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac CT5$2,450-$518
2Lexus ES 350$2,460-$508
3Lexus ES 250$2,472-$496
4Lexus RC 300$2,482-$486
5Mercedes-Benz AMG CLA35$2,488-$480
6Audi A3$2,492-$476
7Mercedes-Benz AMG CLA45$2,546-$422
8Mercedes-Benz CLA250$2,554-$414
9Lexus IS 300$2,568-$400
10Jaguar XF$2,578-$390
11Audi S4$2,628-$340
12BMW i4$2,636-$332
13Mercedes-Benz E350$2,654-$314
14Lexus ES 300h$2,690-$278
15BMW 530i$2,742-$226
16Audi A6$2,798-$170
17Audi S5$2,802-$166
18BMW 540i$2,808-$160
19BMW 430i$2,856-$112
20Lexus IS 500$2,858-$110
21Mercedes-Benz E450$2,886-$82
22Genesis G80$2,892-$76
2023 Midsize Luxury Car Average$2,899-$69
23Mercedes-Benz CLS450$2,968--
24Mercedes-Benz EQE 350$2,988$20
25Audi RS 5$2,996$28
26BMW 530e$3,014$46
27Audi S6$3,044$76
28Mercedes-Benz AMG C43$3,048$80
29BMW M440i$3,052$84
30Mercedes-Benz EQE 500$3,056$88
31Audi A7$3,176$208
32Infiniti Q50$3,180$212
33Lexus LC 500h$3,414$446
34BMW M550i$3,420$452
35Tesla Model S$3,498$530
36Audi S7$3,520$552
37BMW M5$3,624$656
38BMW M8$3,824$856

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.

2023 CLS450 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Mercedes-Benz CLS450 Insurance Rates by Trim Level
2023 Mercedes-Benz CLS450 Trim Level Annual Premium Cost Per Month
4Matic Coupe$2,946$246
4Matic Premium$2,990$249

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 2023 Mercedes-Benz CLS450 for different driver ages.

2023 Mercedes-Benz CLS450 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$10,506$876
17$10,240$853
18$9,289$774
19$8,408$701
20$6,458$538
21$6,162$514
22$5,530$461
23$4,488$374
24$4,262$355
25$3,458$288
30$3,176$265
35$3,044$254
40$2,968$247
45$2,764$230
50$2,612$218
55$2,440$203
60$2,448$204
65$2,616$218
70$2,810$234
75$3,282$274
80$4,050$338

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.