Mercedes-Benz S450 Car Insurance Calculator

Discover and learn how different driver and vehicle factors affect the cost of insurance for a Mercedes-Benz S450. Experiment with trim level options, driving record, policy coverages, and annual miles driven to see the impact on rates. Instantly see how much and why your choice impacts rates.

The average estimated car insurance premium for a 2021 Mercedes-Benz S450 is $3,324 per year, or about $277 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

$3,324

Cost Per Month

$277

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 S450 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 S450.

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.

$3,324
Average Rate
Your Rate
$3,324

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 S450.

The 'Average Rate' is a combined value for all Mercedes-Benz S450 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 2021 Mercedes-Benz S450 is $3,324.

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.

2021 Mercedes-Benz S450 Segment Comparison

The table below compares insurance rates for the 2021 Mercedes-Benz S450 against all other models in the large luxury car segment. The Mercedes-Benz S450 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 S450, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Mercedes-Benz S450.

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

2021 Mercedes-Benz S450 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$2,358-$966
2Volvo S90$2,520-$804
3Lexus LS 500H$2,834-$490
4Kia K900$2,888-$436
5Lexus LS 500$2,980-$344
6Mercedes-Benz AMG E53$3,026-$298
7Infiniti Q60$3,038-$286
8Genesis G90$3,046-$278
9Mercedes-Benz AMG CLS53$3,118-$206
10BMW 840i$3,184-$140
2021 Large Luxury Car Average$3,320-$4
11Mercedes-Benz S450$3,324--
12BMW M850i$3,342$18
13BMW 740i$3,456$132
14BMW 850i$3,484$160
15Mercedes-Benz E63 AMG$3,500$176
16Porsche Panamera$3,646$322
17Audi A8$3,704$380
18Mercedes-Benz S560$3,738$414
19BMW 750i$3,754$430
20BMW M760i$4,238$914
21Mercedes-Benz AMG S63$4,532$1,208

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.

2021 S450 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 Mercedes-Benz S450.

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.

2021 Mercedes-Benz S450 Insurance Rates by Trim Level
2021 Mercedes-Benz S450 Trim Level Annual Premium Cost Per Month
Sedan$3,292$274
4Matic Sedan$3,354$280

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 2021 Mercedes-Benz S450 for different driver ages.

2021 Mercedes-Benz S450 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$11,677$973
17$11,415$951
18$10,418$868
19$9,403$784
20$7,243$604
21$6,910$576
22$6,208$517
23$5,020$418
24$4,774$398
25$3,874$323
30$3,562$297
35$3,408$284
40$3,324$277
45$3,088$257
50$2,916$243
55$2,726$227
60$2,736$228
65$2,924$244
70$3,126$261
75$3,640$303
80$4,490$374

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 S450 trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Mercedes-Benz S450.

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 S450 Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2021 Mercedes-Benz S450$3,324$277
2020 Mercedes-Benz S450$3,214$268
2019 Mercedes-Benz S450$2,854$238
2018 Mercedes-Benz S450$2,680$223

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 S450 trim levels for each model year.