Mercedes-Benz S400 Car Insurance Calculator

Monitor in real-time how different driver, vehicle, and coverage options affect car insurance rates for a Mercedes-Benz S400. Modify options like vehicle usage, gender of the driver, and marital status to learn how rates change. See instantly if rates go up or down and learn why.

The average estimated car insurance premium for a 2013 Mercedes-Benz S400 is $2,152 per year, or about $179 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

$2,152

Cost Per Month

$179

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 S400 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 S400.

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.

$2,152
Average Rate
Your Rate
$2,152

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 S400.

The 'Average Rate' is a combined value for all Mercedes-Benz S400 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 2013 Mercedes-Benz S400 is $2,152.

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.

2013 Mercedes-Benz S400 Segment Comparison

The table below compares insurance rates for the 2013 Mercedes-Benz S400 against all other models in the midsize luxury car segment. The Mercedes-Benz S400 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 S400, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Mercedes-Benz S400.

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

2013 Mercedes-Benz S400 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A3$1,434-$718
2Acura TL$1,458-$694
3Acura ILX$1,492-$660
4Acura TSX$1,532-$620
5Volvo C70$1,558-$594
6Lincoln MKZ$1,578-$574
7Lexus GS 350$1,586-$566
8Lexus ES 350$1,614-$538
9Audi A6$1,618-$534
10Lexus ES 300H$1,640-$512
11Mercedes-Benz SLK55 AMG$1,654-$498
12Mercedes-Benz C350$1,692-$460
13Volvo S80$1,750-$402
14Infiniti G37$1,776-$376
15Audi S5$1,786-$366
16Mercedes-Benz E350$1,800-$352
17BMW 528xi$1,802-$350
18Hyundai Genesis$1,806-$346
19Infiniti M35$1,818-$334
20Jaguar XF$1,822-$330
21Mercedes-Benz E550$1,848-$304
22Mercedes-Benz E400$1,858-$294
23Infiniti M37$1,864-$288
24BMW 535xi$1,886-$266
25BMW 550xi$1,906-$246
26Audi S4$1,912-$240
27BMW 528i$1,914-$238
28BMW Activehybrid 5$1,926-$226
29BMW 535i$1,958-$194
2013 Midsize Luxury Car Average$1,963-$189
30Audi RS 5$1,966-$186
31BMW 550i$1,980-$172
32Jaguar XK$1,996-$156
33Mercedes-Benz SL550$2,010-$142
34Audi S6$2,064-$88
35BMW 640i$2,126-$26
36Mercedes-Benz S400$2,152--
37Audi S7$2,170$18
38Audi A7$2,194$42
39Tesla Model S$2,266$114
40Jaguar XKR$2,298$146
41Mercedes-Benz S350$2,324$172
42BMW M6$2,334$182
43BMW 650xi$2,370$218
44BMW M5$2,380$228
45Mercedes-Benz SL63 AMG$2,572$420
46Mercedes-Benz CL63 AMG$2,820$668
47Mercedes-Benz SLS AMG$2,920$768
48Mercedes-Benz SL65 AMG$3,012$860

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.

2013 S400 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 Mercedes-Benz S400.

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.

2013 Mercedes-Benz S400 Insurance Rates by Trim Level
2013 Mercedes-Benz S400 Trim Level Annual Premium Cost Per Month
Hybrid Sedan$2,152$179

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 2013 Mercedes-Benz S400 for different driver ages.

2013 Mercedes-Benz S400 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,694$641
17$7,449$621
18$6,666$556
19$6,073$506
20$4,648$387
21$4,434$370
22$3,971$331
23$3,259$272
24$3,080$257
25$2,498$208
30$2,290$191
35$2,210$184
40$2,152$179
45$2,012$168
50$1,906$159
55$1,780$148
60$1,784$149
65$1,902$159
70$2,058$172
75$2,426$202
80$2,990$249

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 S400 trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Mercedes-Benz S400.

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 S400 Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2013 Mercedes-Benz S400$2,152$179

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 S400 trim levels for each model year.